Sifting through countless of stocks in the Consumer Finance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Vroom, Inc., CarGurus or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Vroom, Inc., CarGurus and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Vroom, Inc., CarGurus and Inc.

Vroom, Inc., through its subsidiaries, operates as an automotive finance company. It offers vehicle financing to its customers through third party dealers under the UACC brand. The company also provides an artificial intelligence-powered analytics and digital services platform for automotive dealers, automotive financial services companies, and automotive industry. The company was formerly known as Auto America, Inc. and changed its name to Vroom, Inc. in July 2015. Vroom, Inc. was incorporated in 2012 and is based in Fort Worth, Texas.

CarGurus, Inc. operates an online automotive platform for buying and selling vehicles in the United States and internationally. The company offers dealer subscription fees, advertising from auto manufacturers and other brand advertisers, and partnerships with financing services companies. It provides an online automotive marketplace that connects large audience of car shoppers with extensive network of dealers, anchoring integrated suite of products. It also offers Digital Deal which allows consumers the option to start their vehicle purchase process online for eligible listings; Dealership Mode which provides consumers with on-the-lot support during visits to participating dealers through the CarGurus app; Sell My Car – Top Dealer Offers which allows dealers to make tailored trade-in offers; and IMV Scan enables dealers to scan a VIN using their smartphone to access IMV data; and PriceVantage, an advanced pricing software powered by machine learning that leverages real-time consumer demand. In addition, the company provides auto manufacturers and others advertiser products, such as brand reinforcement, category sponsorship, automobile segment exclusivity, and consumer segment exposure; Autolist, an online automotive marketplace through mobile applications and a website; and PistonHeads which is an automotive marketplace, auction platform, and editorial site for automotive enthusiasts. The company was formerly known as CarGurus LLC and changed its name to CarGurus, Inc. in June 2015. CarGurus, Inc. was founded in 2005 and is headquartered in Boston, Massachusetts.

Latest Consumer Finance and Vroom, Inc., CarGurus, Inc. Stock News

As of July 31, 2026, Vroom, Inc. had a $39.2 million market capitalization, compared to the Consumer Finance median of $1.2 million. Vroom, Inc.’s stock is down 62.3% in 2026, up 5.6% in the previous five trading days and down 72.54% in the past year.

Currently, Vroom, Inc. does not have a price-earnings ratio. Vroom, Inc.’s trailing 12-month revenue is $210.4 million with a -31.5% net profit margin. Year-over-year quarterly sales growth most recently was -10.6%. There are no analysts providing consensus earnings estimates for the current fiscal year. Vroom, Inc. does not currently pay a dividend.

As of July 31, 2026, CarGurus, Inc. had a $3.3 billion market cap, putting it in the 61st percentile of all stocks. CarGurus, Inc.’s stock is down 5.5% in 2026, up 8.6% in the previous five trading days and up 9.85% in the past year.

Currently, CarGurus, Inc.’s price-earnings ratio is 24.3. CarGurus, Inc.’s trailing 12-month revenue is $938.3 million with a 15.9% net profit margin. Year-over-year quarterly sales growth most recently was 14.8%. Analysts expect adjusted earnings to reach $2.522 per share for the current fiscal year. CarGurus, Inc. does not currently pay a dividend.

How We Compare Vroom, Inc., CarGurus and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Vroom, Inc., CarGurus and Inc.’s stock grades to see how they measure up against one another.

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Vroom, Inc., CarGurus and Inc. Stock Value Grades

Company	Ticker	Value
Vroom, Inc.	VRM	A
CarGurus, Inc.	CARG	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Vroom, Inc. has a Value Score of 93, which is Deep Value. CarGurus, Inc. has a Value Score of 46, which is Average.

The Value Stock Winner: Vroom, Inc.

As you can clearly see from the Value Grade breakdown above, Vroom, Inc. is considered to have better value than CarGurus, Inc.. For investors who focus solely on a company’s valuation, Vroom, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Vroom, Inc., CarGurus and Inc. Growth Grades

Company	Ticker	Growth
Vroom, Inc.	VRM	F
CarGurus, Inc.	CARG	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Vroom, Inc. has a Growth Score of 4, which is Very Weak. CarGurus, Inc. has a Growth Score of 83, which is Very Strong.

The Growth Grade Winner: CarGurus, Inc.

As you can clearly see from the Growth Grade breakdown above, CarGurus, Inc. has a more attractive growth grade than Vroom, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, CarGurus, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Vroom, Inc., CarGurus and Inc.’s Momentum Grades

Company	Ticker	Momentum
Vroom, Inc.	VRM	F
CarGurus, Inc.	CARG	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Vroom, Inc. has a Momentum Score of 6, which is Very Weak. CarGurus, Inc. has a Momentum Score of 45, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Vroom, Inc., CarGurus or Inc. has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Vroom, Inc., CarGurus or Inc. is the better investment when it comes to momentum.

Other Vroom, Inc., CarGurus and Inc. Grades

In addition to Growth, Value and Momentum, A+ Investor also provides grades for Estimate Revisions and Quality.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Vroom, Inc., CarGurus and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Vroom, Inc., CarGurus or Inc. Stock?

Overall, Vroom, Inc. stock has a Value Score of 93, Growth Score of 4 and Momentum Score of 6.

CarGurus, Inc. stock has a Value Score of 46, Growth Score of 83 and Momentum Score of 45.

Comparing Vroom, Inc., CarGurus and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.