Vroom, Inc. (VRM) Fair Value 2026

VRM · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.0 /10

32 fundamental signals · 1 models active

Value Trap Risk

WARN (47/100)

Quick Summary — As of 2026-08-28, Vroom, Inc. (VRM) trades at $9.18. QOC: 5.0/10. Value Trap Risk: 47/100 (WARN). 1/13 models active.

Key Facts

Ticker
VRM
Price
$9.18
Quality Score
5.0/10
Value Trap Risk
47/100
Models Active
1/13
Last Updated
Strength: FTNN Topology suggests +300.9% upside with 7% confidence
Risk: Value Trap score of 47 suggests caution despite apparent undervaluation

What Fair Value Does Each Model Give VRM?

1 Intrinsic Value Models vs. Current Price ($9.18)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Low Conviction
 $36.80 +300.9%

All Models Active

All 1 models are displayed above.

What Is Vroom, Inc. (VRM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Vroom, Inc. is potentially undervalued at its current price of $9.18. Based on our 13-model framework, Vroom, Inc.'s intrinsic value is estimated at a median fair value of $36.80 — representing +300.9% implied upside — with 1 out of 1 active models confirming this thesis.

What Do the Models Say About VRM?

1 of 13 models are currently active for VRM. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does VRM Rank in Credit Services?

Among 54 Credit Services stocks, VRM ranks #47 by Quality of Company score. CirclFi's QOC score of 5.0/10 evaluates 32 fundamental signals. A score of 5.0 reflects mixed fundamentals.

See all Most Undervalued Credit Services Stocks →

As a lending environment, Vroom, Inc. operates in a sector where CET1 capital ratio is a critical driver of valuation. Investors evaluating VRM should weigh these sector-specific dynamics alongside our model-derived fair values.

Is VRM a Value Trap?

CirclFi's Value Trap algorithm assigns VRM a score of 47/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for Vroom, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Vroom, Inc. is rated at 5.0/10. This moderate-tier score shows mixed signals across our quality framework with notable weaknesses.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every VRM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across VRM's 1 active models, average confidence is 7%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Vroom, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

LULufax Holding LtdQOC 5.3SUIGSUI Group Holdings LimitedQOC 5.0FOAFinance of America Companies Inc.QOC 5.6SPSTSuperstar Platforms, Inc.QOC 4.4KLARKlarna Group plcQOC 5.6STQNStrategic Acquisitions, Inc.QOC 4.3LXLexinFintech Holdings Ltd.QOC 9.0ECPGEncore Capital Group, Inc.QOC 7.8HTTHigh Templar Tech LimitedQOC 7.2JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: LU · SUIG · FOA · SPST · KLAR · STQN · LX · ECPG · HTT · JFIN · MA

Which Other Stocks Have a Similar Quality Score to VRM?

7 companies across all industries closest to VRM’s Quality of Company score of 5.0/10.

STAIScanTech AI Systems Inc.QOC 5.0ATYRaTyr Pharma, Inc.QOC 5.0PVLPermianville Royalty TrustQOC 5.0CHNRChina Natural Resources, Inc.QOC 5.0RTBRTB Digital, Inc.QOC 5.0CADLCandel Therapeutics, Inc.QOC 5.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: STAI · ATYR · PVL · CHNR · RTB · CADL · NVDA

Where Does VRM Sit in CirclFi's Credit Services Rankings?

VRM is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Vroom, Inc.’s Valuation?

What is Vroom, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Vroom, Inc. (VRM). The Quality of Company score is 5.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is VRM overvalued or undervalued right now?

At $9.18, 1 of 1 active models suggest VRM may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits Vroom, Inc.'s business model in Credit Services.

What does a Quality of Company score of 5.0 mean for VRM?

Vroom, Inc.'s QOC of 5.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on VRM?

CirclFi analyzes VRM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is VRM a value trap in 2026?

Vroom, Inc.'s Value Trap score is 47/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Vroom, Inc. (VRM) a Quality of Company score of 5.0/10 across 32 fundamental signals as of 2026-08-28.” Source: circlfi.com/stock/VRM/ · Methodology
Primary sources for this VRM valuation
  • Financial statements: Vroom, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001580864) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for VRM as of ; valuations recomputed .