Vroom (VRM) Debt Ratio (2019 - 2026)

Vroom (VRM) posted Debt Ratio of 0.38 for Q1 2026, up 72.81% sequentially from 0.22 in Q4 2025, and up 95.79% YoY from 0.19 in Q1 2025.

Vroom (VRM) Debt Ratio (2019 - 2026) Analysis & Trends

Vroom (VRM) has 8 years of Debt Ratio data on file, last reported at 0.38 in Q1 2026.

  • Quarterly Debt Ratio rose 95.79% year-over-year to 0.38 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.38 (up 95.79% YoY) and the FY2025 annual result came in at 0.22, down 16.96% from the prior year.
  • Debt Ratio advanced to 0.38 in Q1 2026 per VRM's latest filing, from 0.22 in the prior quarter.
  • The five-year high for Debt Ratio was 0.51 in Q2 2022, with the low at 0.0 in Q1 2024.
  • Average Debt Ratio over 5 years is 0.27, with a median of 0.27 recorded in 2024.
  • Year-over-year, Debt Ratio tumbled 99.98% in 2024 and jumped 277340.55% in 2025.
  • Vroom's Debt Ratio stood at 0.22 in 2022, then soared by 87.16% to 0.41 in 2023, then slumped by 35.23% to 0.27 in 2024, then fell by 16.96% to 0.22 in 2025, then jumped by 72.81% to 0.38 in 2026.
  • Business Quant data shows VRM's Debt Ratio at 0.38 in Q1 2026, 0.22 in Q4 2025, and 0.07 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.25
2 Mastercard 465.55 Bn 455.34 Bn - 0.36
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.01
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.12
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.18
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.02
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 0.60
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 3.53
10 Vroom 40,250.00 -132.76 Mn - 0.38

Historic Data

Download Data
DateValue
Mar 31, 2026 0.38
Dec 31, 2025 0.22
Sep 30, 2025 0.07
Jun 30, 2025 0.11
Mar 31, 2025 0.19
Dec 31, 2024 0.27
Sep 30, 2024 0.05
Jun 30, 2024 0.10
Mar 31, 2024 0.00
Dec 31, 2023 0.41
Sep 30, 2023 0.45
Jun 30, 2023 0.43
Mar 31, 2023 0.43
Dec 31, 2022 0.22
Sep 30, 2022 0.37
Jun 30, 2022 0.51
Mar 31, 2022 0.35
Dec 31, 2021 0.47
Sep 30, 2021 0.44
Dec 31, 2020 0.19