In Q1 2026, Vroom, Inc. reinforced its operational focus on United Auto Credit Corporation (UACC) and CarStory following the full exit from ecommerce vehicle sales in 2024 and a successful debt restructuring in early 2025. UACC continues to serve the non-prime auto finance market through a broad dealer network, while CarStory provides AI-powered analytics to automotive dealers. Despite macroeconomic challenges impacting credit performance, Vroom aims to grow via expanded dealer penetration and enhanced data-driven underwriting, balancing growth opportunities against risks from economic cyclicality and capital structure constraints.