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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.01
SC's Cash-to-Debt is ranked lower than
100% of the 1495 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.97 vs. SC: 0.01 )
Ranked among companies with meaningful Cash-to-Debt only.
SC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0 Max: N/A
Current: 0.01
Equity-to-Asset 0.14
SC's Equity-to-Asset is ranked higher than
78% of the 1496 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. SC: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
SC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.14
Current: 0.14
0.1
0.14
Interest Coverage 0.66
SC's Interest Coverage is ranked lower than
75% of the 1758 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.61 vs. SC: 0.66 )
Ranked among companies with meaningful Interest Coverage only.
SC' s Interest Coverage Range Over the Past 10 Years
Min: 0.64  Med: 2.26 Max: 3.18
Current: 0.66
0.64
3.18
Piotroski F-Score: 4
Beneish M-Score: -3.29
WACC vs ROIC
4.94%
2.16%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 24.68
SC's Operating Margin % is ranked lower than
65% of the 1511 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.68 vs. SC: 24.68 )
Ranked among companies with meaningful Operating Margin % only.
SC' s Operating Margin % Range Over the Past 10 Years
Min: 24.17  Med: 35.03 Max: 47.64
Current: 24.68
24.17
47.64
Net Margin % 15.98
SC's Net Margin % is ranked lower than
70% of the 1510 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.91 vs. SC: 15.98 )
Ranked among companies with meaningful Net Margin % only.
SC' s Net Margin % Range Over the Past 10 Years
Min: 15.64  Med: 19.41 Max: 29.23
Current: 15.98
15.64
29.23
ROE % 15.80
SC's ROE % is ranked higher than
87% of the 1509 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.30 vs. SC: 15.80 )
Ranked among companies with meaningful ROE % only.
SC' s ROE % Range Over the Past 10 Years
Min: 15.8  Med: 26.47 Max: 69.31
Current: 15.8
15.8
69.31
ROA % 2.02
SC's ROA % is ranked higher than
89% of the 1518 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. SC: 2.02 )
Ranked among companies with meaningful ROA % only.
SC' s ROA % Range Over the Past 10 Years
Min: 2.02  Med: 2.84 Max: 7.92
Current: 2.02
2.02
7.92
3-Year Revenue Growth Rate 7.30
SC's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1316 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.90 vs. SC: 7.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.1 Max: 20
Current: 7.3
0
20
3-Year EBITDA Growth Rate 14.50
SC's 3-Year EBITDA Growth Rate is ranked higher than
72% of the 1228 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.20 vs. SC: 14.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.05 Max: 14.5
Current: 14.5
0
14.5
3-Year EPS without NRI Growth Rate 2.00
SC's 3-Year EPS without NRI Growth Rate is ranked lower than
66% of the 1184 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.30 vs. SC: 2.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -5.6 Max: 3.7
Current: 2
0
3.7
GuruFocus has detected 6 Warning Signs with Santander Consumer USA Holdings Inc $SC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SC's 10-Y Financials

Financials (Next Earnings Date: 2017-04-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SC Guru Trades in Q1 2016

Jim Simons 114,500 sh (New)
Jeremy Grantham 52,900 sh (New)
Paul Tudor Jones 63,400 sh (+268.60%)
HOTCHKIS & WILEY 4,137,702 sh (+144.94%)
Joel Greenblatt 25,091 sh (+39.49%)
Julian Robertson Sold Out
Lee Ainslie Sold Out
» More
Q2 2016

SC Guru Trades in Q2 2016

Steven Cohen 239,900 sh (New)
Andreas Halvorsen 1,054,384 sh (New)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
HOTCHKIS & WILEY 3,991,017 sh (-3.55%)
Jeremy Grantham 49,100 sh (-7.18%)
Joel Greenblatt 22,005 sh (-12.30%)
» More
Q3 2016

SC Guru Trades in Q3 2016

Jim Simons 427,600 sh (New)
Steven Cohen 944,900 sh (+293.87%)
Andreas Halvorsen Sold Out
HOTCHKIS & WILEY 3,774,750 sh (-5.42%)
Joel Greenblatt 20,724 sh (-5.82%)
Jeremy Grantham 27,000 sh (-45.01%)
» More
Q4 2016

SC Guru Trades in Q4 2016

Lee Ainslie 237,340 sh (New)
Jim Simons 748,100 sh (+74.95%)
Steven Cohen 1,505,392 sh (+59.32%)
Jeremy Grantham 28,400 sh (+5.19%)
HOTCHKIS & WILEY 3,631,018 sh (-3.81%)
Joel Greenblatt 17,098 sh (-17.50%)
» More
» Details

Insider Trades

Latest Guru Trades with SC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Specialty Finance    NAICS: 522291    SIC: 6153
Compare:OTCPK:BEVFF » details
Traded in other countries:77S.Germany,
Santander Consumer USA Holdings Inc is engaged in indirect origination of retail installment contracts principally through manufacturer-franchised dealers in connection with their sale of used and new automobiles and light-duty trucks to retail consumers.

Santander Consumer USA Holdings Inc a Delaware corporation incorporated in 1995. It is a technology-driven consumer finance company providing vehicle finance and unsecured consumer lending products. The Company is engaged in indirect origination of retail installment contracts through manufacturer-franchised dealers in connection with its sale of used and new automobiles and light-duty trucks to retail consumers. Its Consumer Finance includes vehicle financial products and services, including retail installment contracts, vehicle leases, and dealer loans, as well as financial products and services related to motorcycles, RVs, and watercraft. It also includes unsecured personal loan and point-of-sale financing operations. The Company offers auto financing products and services to Chrysler customers and dealers under the Chrysler Capital brand. These products and services include consumer retail installment contracts and leases, as well as dealer loans for inventory, construction, real estate, working capital and revolving lines of credit. It also originates vehicle loans through a web-based direct lending program, purchases vehicle retail installment contracts from other lenders, and services automobile and recreational and marine vehicle portfolios for other lenders. The Company also began originating and acquiring unsecured consumer loans. The Company faces competition from national and regional banks, credit unions, independent financial institutions, and the affiliated finance companies of automotive manufacturers. The Company business is subject to various U.S. Federal laws, including the Truth-in-Lending, Truth-in-Savings, Equal Credit Opportunity, Fair Credit Reporting, Fair Debt Collection Practices Service Members Civil Relief, and Unfair and Deceptive Practices Acts, as well as various state laws.

Ratios

vs
industry
vs
history
PE Ratio 6.23
SC's PE Ratio is ranked higher than
89% of the 1941 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.56 vs. SC: 6.23 )
Ranked among companies with meaningful PE Ratio only.
SC' s PE Ratio Range Over the Past 10 Years
Min: 4.18  Med: 7.81 Max: 15.67
Current: 6.23
4.18
15.67
Forward PE Ratio 6.35
SC's Forward PE Ratio is ranked higher than
94% of the 526 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.33 vs. SC: 6.35 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 6.23
SC's PE Ratio without NRI is ranked higher than
89% of the 1635 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.25 vs. SC: 6.23 )
Ranked among companies with meaningful PE Ratio without NRI only.
SC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.18  Med: 7.81 Max: 15.67
Current: 6.23
4.18
15.67
PB Ratio 0.88
SC's PB Ratio is ranked higher than
69% of the 1810 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. SC: 0.88 )
Ranked among companies with meaningful PB Ratio only.
SC' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.76 Max: 2.93
Current: 0.88
0.71
2.93
PS Ratio 1.00
SC's PS Ratio is ranked higher than
93% of the 1833 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.32 vs. SC: 1.00 )
Ranked among companies with meaningful PS Ratio only.
SC' s PS Ratio Range Over the Past 10 Years
Min: 0.64  Med: 1.37 Max: 2.09
Current: 1
0.64
2.09
Price-to-Operating-Cash-Flow 1.07
SC's Price-to-Operating-Cash-Flow is ranked higher than
93% of the 1096 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.62 vs. SC: 1.07 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.9  Med: 1.78 Max: 3.7
Current: 1.07
0.9
3.7
EV-to-EBIT 30.32
SC's EV-to-EBIT is ranked lower than
87% of the 1558 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.64 vs. SC: 30.32 )
Ranked among companies with meaningful EV-to-EBIT only.
SC' s EV-to-EBIT Range Over the Past 10 Years
Min: 24.2  Med: 29.3 Max: 34.3
Current: 30.32
24.2
34.3
EV-to-EBITDA 15.80
SC's EV-to-EBITDA is ranked lower than
70% of the 1576 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.00 vs. SC: 15.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
SC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.69  Med: 17.5 Max: 25.1
Current: 15.8
15.69
25.1
PEG Ratio 1.62
SC's PEG Ratio is ranked lower than
55% of the 780 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.43 vs. SC: 1.62 )
Ranked among companies with meaningful PEG Ratio only.
SC' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.62
Current: 1.62
0
1.62

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 2.03
SC's 5-Year Yield-on-Cost % is ranked lower than
71% of the 2649 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.27 vs. SC: 2.03 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.03
3-Year Average Share Buyback Ratio -1.20
SC's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1010 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.60 vs. SC: -1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.4  Med: -1.15 Max: 0
Current: -1.2
-12.4
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.93
SC's Price-to-Tangible-Book is ranked higher than
69% of the 1798 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.25 vs. SC: 0.93 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.89  Med: 1.31 Max: 2
Current: 0.93
0.89
2
Price-to-Median-PS-Value 0.73
SC's Price-to-Median-PS-Value is ranked higher than
92% of the 1693 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.15 vs. SC: 0.73 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.7  Med: 0.81 Max: 1.09
Current: 0.73
0.7
1.09
Price-to-Graham-Number 0.51
SC's Price-to-Graham-Number is ranked higher than
84% of the 1556 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.93 vs. SC: 0.51 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 0.63 Max: 0.93
Current: 0.51
0.49
0.93
Earnings Yield (Greenblatt) % 3.28
SC's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 2086 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.41 vs. SC: 3.28 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.9  Med: 3.4 Max: 4.1
Current: 3.28
2.9
4.1

More Statistics

Revenue (TTM) (Mil) $4,795
EPS (TTM) $ 2.13
Beta1.22
Short Percentage of Float4.40%
52-Week Range $8.61 - 15.47
Shares Outstanding (Mil)359.10

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 3,507 3,723 5,144
EPS ($) 2.06 2.24 2.55
EPS without NRI ($) 2.06 2.24 2.55
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.20 0.70 1.00
» More Articles for SC

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