Do analysts prefer XYF or VRM?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score X Financial 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 Vroom 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00

Which has higher earnings and valuation, XYF or VRM?

X Financial has higher revenue and earnings than Vroom. Vroom is trading at a lower price-to-earnings ratio than X Financial, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio X Financial $1.09B 0.19 $209.43M $3.45 1.57 Vroom $178.83M 0.30 -$7.96M -$11.12 N/A

Is XYF or VRM more profitable?

X Financial has a net margin of 15.06% compared to Vroom's net margin of -32.38%. X Financial's return on equity of 14.38% beat Vroom's return on equity. Company Net Margins Return on Equity Return on Assets X Financial 15.06% 14.38% 7.93% Vroom -32.38% -47.65% -5.59%

Do analysts recommend CPSS or VRM?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Consumer Portfolio Services 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 Vroom 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00

Do analysts recommend JFIN or VRM?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Jiayin Group 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00 Vroom 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00

Which has better earnings and valuation, JFIN or VRM?

Jiayin Group has higher revenue and earnings than Vroom. Vroom is trading at a lower price-to-earnings ratio than Jiayin Group, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Jiayin Group $889.76M 0.14 $219.61M $2.52 0.96 Vroom $178.83M 0.30 -$7.96M -$11.12 N/A

Is JFIN or VRM more profitable?

Jiayin Group has a net margin of 17.79% compared to Vroom's net margin of -32.38%. Jiayin Group's return on equity of 21.67% beat Vroom's return on equity. Company Net Margins Return on Equity Return on Assets Jiayin Group 17.79% 21.67% 11.33% Vroom -32.38% -47.65% -5.59%

Do analysts recommend YRD or VRM?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Yirendai 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00 Vroom 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00

Which has preferable earnings & valuation, YRD or VRM?

Yirendai has higher revenue and earnings than Vroom. Yirendai is trading at a lower price-to-earnings ratio than Vroom, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Yirendai $817.84M 0.12 $7.80M -$1.18 N/A Vroom $178.83M 0.30 -$7.96M -$11.12 N/A

Is YRD or VRM more profitable?

Yirendai has a net margin of -14.35% compared to Vroom's net margin of -32.38%. Yirendai's return on equity of -7.58% beat Vroom's return on equity. Company Net Margins Return on Equity Return on Assets Yirendai -14.35% -7.58% -5.21% Vroom -32.38% -47.65% -5.59%

Do analysts prefer VRM or CIRC?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Vroom 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00 Atlantic International 1 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 1 Strong Buy rating(s) 2.33

Vroom (VRM) Competitors

$10.28 +0.42 (+4.26%)

As of 08/21/2026 04:00 PM Eastern

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VRM vs. XYF, CPSS, JFIN, YRD, and CIRC

Should you buy Vroom stock or one of its competitors? Vroom's main competitors and comparable companies include X Financial (XYF), Consumer Portfolio Services (CPSS), Jiayin Group (JFIN), Yirendai (YRD), and Atlantic International (CIRC). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Vroom compare to X Financial?

X Financial (NYSE:XYF) and Vroom (NASDAQ:VRM) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, valuation, risk, analyst recommendations, institutional ownership, earnings, profitability and media sentiment.

X Financial has higher revenue and earnings than Vroom. Vroom is trading at a lower price-to-earnings ratio than X Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
X Financial	$1.09B	0.19	$209.43M	$3.45	1.57
Vroom	$178.83M	0.30	-$7.96M	-$11.12	N/A

X Financial has a net margin of 15.06% compared to Vroom's net margin of -32.38%. X Financial's return on equity of 14.38% beat Vroom's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
X Financial	15.06%	14.38%	7.93%
Vroom	-32.38%	-47.65%	-5.59%

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
X Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Vroom	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00

X Financial has a beta of 0.46, indicating that its stock price is 54% less volatile than the broader market. Comparatively, Vroom has a beta of 1.23, indicating that its stock price is 23% more volatile than the broader market.

In the previous week, X Financial had 1 more articles in the media than Vroom. MarketBeat recorded 1 mentions for X Financial and 0 mentions for Vroom. X Financial's average media sentiment score of 0.00 equaled Vroom'saverage media sentiment score.

Company	Overall Sentiment
X Financial	Neutral
Vroom	Neutral

1.2% of X Financial shares are held by institutional investors. Comparatively, 25.8% of Vroom shares are held by institutional investors. 31.6% of X Financial shares are held by insiders. Comparatively, 2.9% of Vroom shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

X Financial beats Vroom on 10 of the 13 factors compared between the two stocks.

How does Vroom compare to Consumer Portfolio Services?

Consumer Portfolio Services (NASDAQ:CPSS) and Vroom (NASDAQ:VRM) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, profitability, analyst recommendations, valuation, institutional ownership, media sentiment, risk and dividends.

Consumer Portfolio Services has a beta of 1.13, suggesting that its share price is 13% more volatile than the broader market. Comparatively, Vroom has a beta of 1.23, suggesting that its share price is 23% more volatile than the broader market.

In the previous week, Consumer Portfolio Services had 2 more articles in the media than Vroom. MarketBeat recorded 2 mentions for Consumer Portfolio Services and 0 mentions for Vroom. Consumer Portfolio Services' average media sentiment score of 0.61 beat Vroom's score of 0.00 indicating that Consumer Portfolio Services is being referred to more favorably in the media.

Company	Overall Sentiment
Consumer Portfolio Services	Positive
Vroom	Neutral

47.6% of Consumer Portfolio Services shares are held by institutional investors. Comparatively, 25.8% of Vroom shares are held by institutional investors. 63.7% of Consumer Portfolio Services shares are held by insiders. Comparatively, 2.9% of Vroom shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Consumer Portfolio Services has higher revenue and earnings than Vroom. Vroom is trading at a lower price-to-earnings ratio than Consumer Portfolio Services, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Consumer Portfolio Services	$208.84M	0.96	$19.33M	$0.92	10.11
Vroom	$178.83M	0.30	-$7.96M	-$11.12	N/A

Consumer Portfolio Services has a net margin of 4.78% compared to Vroom's net margin of -32.38%. Consumer Portfolio Services' return on equity of 6.91% beat Vroom's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Consumer Portfolio Services	4.78%	6.91%	0.54%
Vroom	-32.38%	-47.65%	-5.59%

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Consumer Portfolio Services	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Vroom	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00

Summary

Consumer Portfolio Services beats Vroom on 13 of the 14 factors compared between the two stocks.

How does Vroom compare to Jiayin Group?

Jiayin Group (NASDAQ:JFIN) and Vroom (NASDAQ:VRM) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, valuation, analyst recommendations, media sentiment and dividends.

Jiayin Group has a beta of 0.96, suggesting that its stock price is 4% less volatile than the broader market. Comparatively, Vroom has a beta of 1.23, suggesting that its stock price is 23% more volatile than the broader market.

Jiayin Group has a net margin of 17.79% compared to Vroom's net margin of -32.38%. Jiayin Group's return on equity of 21.67% beat Vroom's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Jiayin Group	17.79%	21.67%	11.33%
Vroom	-32.38%	-47.65%	-5.59%

Jiayin Group has higher revenue and earnings than Vroom. Vroom is trading at a lower price-to-earnings ratio than Jiayin Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$889.76M	0.14	$219.61M	$2.52	0.96
Vroom	$178.83M	0.30	-$7.96M	-$11.12	N/A

44.1% of Jiayin Group shares are owned by institutional investors. Comparatively, 25.8% of Vroom shares are owned by institutional investors. 51.2% of Jiayin Group shares are owned by insiders. Comparatively, 2.9% of Vroom shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

In the previous week, Jiayin Group had 4 more articles in the media than Vroom. MarketBeat recorded 4 mentions for Jiayin Group and 0 mentions for Vroom. Jiayin Group's average media sentiment score of 0.00 equaled Vroom'saverage media sentiment score.

Company	Overall Sentiment
Jiayin Group	Neutral
Vroom	Neutral

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jiayin Group	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00
Vroom	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00

Summary

Jiayin Group beats Vroom on 10 of the 12 factors compared between the two stocks.

How does Vroom compare to Yirendai?

Yirendai (NYSE:YRD) and Vroom (NASDAQ:VRM) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, valuation, dividends, profitability, institutional ownership, risk, analyst recommendations and media sentiment.

In the previous week, Yirendai had 2 more articles in the media than Vroom. MarketBeat recorded 2 mentions for Yirendai and 0 mentions for Vroom. Yirendai's average media sentiment score of 0.00 equaled Vroom'saverage media sentiment score.

Company	Overall Sentiment
Yirendai	Neutral
Vroom	Neutral

2.0% of Yirendai shares are held by institutional investors. Comparatively, 25.8% of Vroom shares are held by institutional investors. 42.2% of Yirendai shares are held by insiders. Comparatively, 2.9% of Vroom shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Yirendai has higher revenue and earnings than Vroom. Yirendai is trading at a lower price-to-earnings ratio than Vroom, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Yirendai	$817.84M	0.12	$7.80M	-$1.18	N/A
Vroom	$178.83M	0.30	-$7.96M	-$11.12	N/A

Yirendai has a beta of 1.13, indicating that its stock price is 13% more volatile than the broader market. Comparatively, Vroom has a beta of 1.23, indicating that its stock price is 23% more volatile than the broader market.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yirendai	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00
Vroom	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00

Yirendai has a net margin of -14.35% compared to Vroom's net margin of -32.38%. Yirendai's return on equity of -7.58% beat Vroom's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Yirendai	-14.35%	-7.58%	-5.21%
Vroom	-32.38%	-47.65%	-5.59%

Summary

Yirendai beats Vroom on 8 of the 12 factors compared between the two stocks.

How does Vroom compare to Atlantic International?

Vroom (NASDAQ:VRM) and Atlantic International (NASDAQ:CIRC) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, earnings, media sentiment, analyst recommendations, risk, dividends, institutional ownership and profitability.

Vroom has higher earnings, but lower revenue than Atlantic International. Vroom is trading at a lower price-to-earnings ratio than Atlantic International, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Vroom	$178.83M	0.30	-$7.96M	-$11.12	N/A
Atlantic International	$799.87M	0.07	-$59.43M	-$2.11	N/A

Atlantic International has a net margin of -19.39% compared to Vroom's net margin of -32.38%. Atlantic International's return on equity of 0.00% beat Vroom's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Vroom	-32.38%	-47.65%	-5.59%
Atlantic International	-19.39%	N/A	-28.58%

Vroom has a beta of 1.23, meaning that its share price is 23% more volatile than the broader market. Comparatively, Atlantic International has a beta of 0.81, meaning that its share price is 19% less volatile than the broader market.

In the previous week, Atlantic International had 3 more articles in the media than Vroom. MarketBeat recorded 3 mentions for Atlantic International and 0 mentions for Vroom. Atlantic International's average media sentiment score of 0.58 beat Vroom's score of 0.00 indicating that Atlantic International is being referred to more favorably in the news media.

Company	Overall Sentiment
Vroom	Neutral
Atlantic International	Positive

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Vroom	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00
Atlantic International	1 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.33

25.8% of Vroom shares are held by institutional investors. 2.9% of Vroom shares are held by insiders. Comparatively, 7.6% of Atlantic International shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

Atlantic International beats Vroom on 10 of the 15 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding VRM and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

VRM vs. The Competition

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Metric	Vroom	Consumer Finance Industry	Finance Sector	NASDAQ Exchange
Market Cap	$51.61M	$7.33B	$13.49B	$12.77B
Dividend Yield	N/A	12.28%	5.89%	11.08%
P/E Ratio	-0.92	9.18	29.61	24.24
Price / Sales	0.30	78.65	511.92	129.21
Price / Cash	N/A	11.64	38.31	53.23
Price / Book	0.54	2.75	2.18	6.38
Net Income	-$7.96M	$442.63M	$1.31B	$348.73M
7 Day Performance	-6.11%	-0.51%	-0.30%	0.08%
1 Month Performance	46.23%	0.82%	1.79%	2.91%
1 Year Performance	-64.15%	8.88%	10.34%	17.19%

Vroom Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
VRM Vroom	0.2939 of 5 stars	$10.28 +4.3%	N/A	-62.8%	$51.61M	$178.83M	N/A	1,682	Gap Up
XYF X Financial	1.9171 of 5 stars	$5.34 +0.7%	N/A	-63.8%	$211.85M	$1.09B	1.55	420	Upcoming Earnings
CPSS Consumer Portfolio Services	1.4094 of 5 stars	$9.16 -0.3%	N/A	+12.5%	$198.09M	$208.84M	9.96	740
JFIN Jiayin Group	1.2414 of 5 stars	$2.33 +5.0%	N/A	-81.7%	$119.31M	$889.76M	0.92	1,155	News Coverage Upcoming Earnings Analyst Downgrade Gap Up
YRD Yirendai	0.9929 of 5 stars	$1.17 -1.7%	N/A	-81.3%	$104.11M	$817.84M	N/A	3,800	Analyst Forecast Gap Up

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This page (NASDAQ:VRM) was last updated on 8/22/2026 by MarketBeat.com Staff.

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Vroom (VRM) Competitors