Financial insights of VRM

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest income	171,650
Warehouse credit facility	17,584
Securitization debt	32,966
Total interest expense	50,550
Net interest income	121,100
Realized and unrealized losses, net of recoveries	-97,259
Net interest income (loss) after losses and recoveries	23,841
Servicing income	4,690
Warranties and gap income (loss), net	14,466
Carstory revenue	6,914
Other income	10,377
Total noninterest income	36,447
Compensation and benefits	70,222
Professional fees	11,871
Software and it costs	11,869
Depreciation and amortization	3,350
Interest expense on corporate debt	2,797
Impairment charges	4,156
Other expenses	9,775
Total expenses	114,040
Loss from continuing operations before reorganization items and provision for income taxes	-53,752
(loss) income from continuing operations before provision for income taxes	-53,752
Provision for income taxes from continuing operations	294
Net income (loss) from continuing operations	-54,046
Net income (loss) from discontinued operations	996
Net (loss) income	-53,050

Basic EPS	-10.24
Diluted EPS	-10.24
Basic Average Shares	5,184,175
Diluted Average Shares	5,184,175