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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 : 6/10

vs
industry
vs
history
Equity to Asset 0.11
SC's Equity to Asset is ranked higher than
76% of the 2028 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.09 vs. SC: 0.11 )
SC' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.12
Current: 0.11

0.1
0.12
Interest Coverage 0.96
SC's Interest Coverage is ranked higher than
64% of the 1861 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.28 vs. SC: 0.96 )
SC' s 10-Year Interest Coverage Range
Min: 0.96   Max: 3.18
Current: 0.96

0.96
3.18
Z-Score: 0.65
WACC vs ROIC
2.88%
2.42%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 23.47
SC's Operating margin (%) is ranked higher than
66% of the 2053 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.72 vs. SC: 23.47 )
SC' s 10-Year Operating margin (%) Range
Min: 25.27   Max: 47.64
Current: 23.47

25.27
47.64
Net-margin (%) 16.39
SC's Net-margin (%) is ranked higher than
65% of the 2053 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.65 vs. SC: 16.39 )
SC' s 10-Year Net-margin (%) Range
Min: 16   Max: 29.23
Current: 16.39

16
29.23
ROE (%) 24.63
SC's ROE (%) is ranked higher than
98% of the 2058 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.74 vs. SC: 24.63 )
SC' s 10-Year ROE (%) Range
Min: 24.54   Max: 69.31
Current: 24.63

24.54
69.31
ROA (%) 2.59
SC's ROA (%) is ranked higher than
97% of the 2060 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. SC: 2.59 )
SC' s 10-Year ROA (%) Range
Min: 2.61   Max: 7.92
Current: 2.59

2.61
7.92
ROC (Joel Greenblatt) (%) 30.52
SC's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 2017 Companies
in the Global Specialty Finance industry.

( Industry Median: 80.18 vs. SC: 30.52 )
SC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.8   Max: 13086.13
Current: 30.52

34.8
13086.13
» SC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

SC Guru Trades in Q1 2014

Lee Ainslie 4,602,987 sh (New)
Caxton Associates 425,000 sh (New)
Jana Partners 150,000 sh (New)
James Barrow 2,515,034 sh (New)
Paul Tudor Jones 27,193 sh (New)
Steven Cohen 381,398 sh (New)
» More
Q2 2014

SC Guru Trades in Q2 2014

Lee Ainslie 11,232,360 sh (+144.02%)
Caxton Associates Sold Out
Paul Tudor Jones Sold Out
James Barrow Sold Out
Jana Partners Sold Out
» More
Q3 2014

SC Guru Trades in Q3 2014

HOTCHKIS & WILEY 26,700 sh (New)
Paul Tudor Jones 25,723 sh (New)
Lee Ainslie 11,979,327 sh (+6.65%)
» More
Q4 2014

SC Guru Trades in Q4 2014

Julian Robertson 585,000 sh (New)
HOTCHKIS & WILEY 1,966,191 sh (+7264.01%)
Lee Ainslie 14,452,986 sh (+20.65%)
Paul Tudor Jones 18,762 sh (-27.06%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Julian Robertson 2014-12-31 New Buy2.3%$16.85 - $20.28 $ 21.9319%585000
Lee Ainslie 2014-12-31 Add 20.65%0.75%$16.85 - $20.28 $ 21.9319%14452986
HOTCHKIS & WILEY 2014-12-31 Add 7264.01%0.13%$16.85 - $20.28 $ 21.9319%1966191
Lee Ainslie 2014-09-30 Add 6.65%0.19%$17.6 - $20.12 $ 21.9316%11979327
HOTCHKIS & WILEY 2014-09-30 New Buy$17.6 - $20.12 $ 21.9316%26700
Lee Ainslie 2014-06-30 Add 144.02%1.83%$18.76 - $24.11 $ 21.933%11232360
James Barrow 2014-06-30 Sold Out 0.09%$18.76 - $24.11 $ 21.933%0
Lee Ainslie 2014-03-31 New Buy1.6%$22.86 - $25.9 $ 21.93-11%4602987
James Barrow 2014-03-31 New Buy0.09%$22.86 - $25.9 $ 21.93-11%2515034
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.20
SC's P/E(ttm) is ranked higher than
86% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.80 vs. SC: 10.20 )
SC' s 10-Year P/E(ttm) Range
Min: 8.19   Max: 17.35
Current: 10.2

8.19
17.35
Forward P/E 8.87
SC's Forward P/E is ranked higher than
93% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.42 vs. SC: 8.87 )
N/A
PE(NRI) 10.20
SC's PE(NRI) is ranked higher than
86% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.80 vs. SC: 10.20 )
SC' s 10-Year PE(NRI) Range
Min: 8.21   Max: 17.33
Current: 10.2

8.21
17.33
P/B 2.16
SC's P/B is ranked higher than
62% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.32 vs. SC: 2.16 )
SC' s 10-Year P/B Range
Min: 1.73   Max: 2.93
Current: 2.16

1.73
2.93
P/S 1.68
SC's P/S is ranked higher than
92% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.63 vs. SC: 1.68 )
SC' s 10-Year P/S Range
Min: 1.34   Max: 2.15
Current: 1.68

1.34
2.15
POCF 2.01
SC's POCF is ranked higher than
95% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 77.89 vs. SC: 2.01 )
SC' s 10-Year POCF Range
Min: 1.61   Max: 3.64
Current: 2.01

1.61
3.64
EV-to-EBIT 29.97
SC's EV-to-EBIT is ranked higher than
65% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.45 vs. SC: 29.97 )
SC' s 10-Year EV-to-EBIT Range
Min: 31   Max: 44.8
Current: 29.97

31
44.8
Days Sales Outstanding 2.85
SC's Days Sales Outstanding is ranked higher than
82% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. SC: 2.85 )
SC' s 10-Year Days Sales Outstanding Range
Min: 0.92   Max: 49.89
Current: 2.85

0.92
49.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.70
SC's Dividend Yield is ranked lower than
89% of the 1919 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.40 vs. SC: 0.70 )
SC' s 10-Year Dividend Yield Range
Min: 0.65   Max: 0.87
Current: 0.7

0.65
0.87
Dividend Payout 0.07
SC's Dividend Payout is ranked higher than
97% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.60 vs. SC: 0.07 )
SC' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.07
Current: 0.07

Yield on cost (5-Year) 0.70
SC's Yield on cost (5-Year) is ranked lower than
85% of the 1931 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.40 vs. SC: 0.70 )
SC' s 10-Year Yield on cost (5-Year) Range
Min: 0.65   Max: 0.87
Current: 0.7

0.65
0.87

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.24
SC's Price/Tangible Book is ranked higher than
64% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.51 vs. SC: 2.24 )
SC' s 10-Year Price/Tangible Book Range
Min: 1.96   Max: 3.02
Current: 2.24

1.96
3.02
Price/Median PS Value 1.09
SC's Price/Median PS Value is ranked higher than
78% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.24 vs. SC: 1.09 )
SC' s 10-Year Price/Median PS Value Range
Min: 0.97   Max: 0.97
Current: 1.09

Price/Graham Number 1.00
SC's Price/Graham Number is ranked higher than
73% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. SC: 1.00 )
SC' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 0.89
Current: 1

Earnings Yield (Greenblatt) 3.30
SC's Earnings Yield (Greenblatt) is ranked higher than
57% of the 2041 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. SC: 3.30 )
SC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 3.2
Current: 3.3

2.2
3.2

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:77S.Germany,
Santander Consumer USA Holdings Inc a Delaware corporation was 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.
» More Articles for SC

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Weekly Insider Sells Highlight: SC, GOOG, TEL, JNPR, ADBE Feb 03 2014 


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SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 10-K, Annual Report Mar 02 2015
Santander names Scott Powell CEO of Santander Holdings USA, Inc. Mar 02 2015
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U.S. prosecutors say pursuing '08 crisis cases, eye auto loans Feb 03 2015
Santander Consumer tops 4Q profit forecasts Feb 03 2015
Santander Consumer tops 4Q profit forecasts Feb 03 2015
Santander Consumer (SC) Beats on Q4 Earnings, Revenues Up Y/Y - Tale of the Tape Feb 03 2015
Q4 2014 Santander Consumer USA Holdings Inc Earnings Release - Time Not Supplied Feb 03 2015
Santander Consumer USA Holdings Inc. Reports Fourth Quarter and Full Year 2014 Results Feb 03 2015
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