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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 : 4/10

vs
industry
vs
history
Equity to Asset 0.12
NYSE:SC's Equity to Asset is ranked higher than
64% of the 1610 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. NYSE:SC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:SC' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.11 Max: 0.13
Current: 0.12
0.1
0.13
Interest Coverage 0.83
NYSE:SC's Interest Coverage is ranked lower than
69% of the 1563 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.70 vs. NYSE:SC: 0.83 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:SC' s Interest Coverage Range Over the Past 10 Years
Min: 0.83  Med: 2.26 Max: 3.18
Current: 0.83
0.83
3.18
F-Score: 4
M-Score: -2.64
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 (%) 20.90
NYSE:SC's Operating margin (%) is ranked lower than
72% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.84 vs. NYSE:SC: 20.90 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:SC' s Operating margin (%) Range Over the Past 10 Years
Min: 20.9  Med: 33.02 Max: 47.64
Current: 20.9
20.9
47.64
Net-margin (%) 14.02
NYSE:SC's Net-margin (%) is ranked lower than
75% of the 1652 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.27 vs. NYSE:SC: 14.02 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:SC' s Net-margin (%) Range Over the Past 10 Years
Min: 14.02  Med: 20.68 Max: 29.23
Current: 14.02
14.02
29.23
ROE (%) 17.20
NYSE:SC's ROE (%) is ranked higher than
87% of the 1648 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.34 vs. NYSE:SC: 17.20 )
Ranked among companies with meaningful ROE (%) only.
NYSE:SC' s ROE (%) Range Over the Past 10 Years
Min: 17.2  Med: 29.09 Max: 69.31
Current: 17.2
17.2
69.31
ROA (%) 2.04
NYSE:SC's ROA (%) is ranked higher than
86% of the 1659 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.88 vs. NYSE:SC: 2.04 )
Ranked among companies with meaningful ROA (%) only.
NYSE:SC' s ROA (%) Range Over the Past 10 Years
Min: 2.04  Med: 3.15 Max: 7.92
Current: 2.04
2.04
7.92
Revenue Growth (3Y)(%) 21.10
NYSE:SC's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1350 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.20 vs. NYSE:SC: 21.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NYSE:SC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8 Max: 21.1
Current: 21.1
0
21.1
EBITDA Growth (3Y)(%) 14.10
NYSE:SC's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1237 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.00 vs. NYSE:SC: 14.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NYSE:SC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -8 Max: 14.1
Current: 14.1
0
14.1
EPS Growth (3Y)(%) 3.70
NYSE:SC's EPS Growth (3Y)(%) is ranked lower than
62% of the 1213 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 vs. NYSE:SC: 3.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NYSE:SC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -13.2 Max: 3.7
Current: 3.7
0
3.7
» NYSE:SC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-29)


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

» Details

Guru Trades

Q3 2015

SC Guru Trades in Q3 2015

David Einhorn 3,823,180 sh (+76.00%)
Jim Simons 171,800 sh (+33.28%)
Lee Ainslie 11,528,660 sh (+9.02%)
Paul Tudor Jones 17,400 sh (+6.10%)
Julian Robertson Sold Out
Joel Greenblatt 10,394 sh (-1.28%)
HOTCHKIS & WILEY 1,494,991 sh (-3.70%)
» More
Q4 2015

SC Guru Trades in Q4 2015

Julian Robertson 1,126,000 sh (New)
Joel Greenblatt 17,988 sh (+73.06%)
Lee Ainslie 14,116,046 sh (+22.44%)
HOTCHKIS & WILEY 1,689,291 sh (+13.00%)
David Einhorn Sold Out
Jim Simons Sold Out
Paul Tudor Jones 17,200 sh (-1.15%)
» More
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)
Jim Simons Sold Out
Paul Tudor Jones 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
» 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
Compare:NYSE:ESNT, NYSE:HTH, OTCPK:FNMA, NYSE:NSM, OTCPK:HMCBF, NYSE:TSLX, NAS:TREE, OTCPK:FMCC, NYSE:HTGC, NYSE:WD, NYSE:GSBD, OTCPK:EQGPF, NYSE:EFC, NYSE:OCN, NYSE:PFSI, NAS:ATAX, NYSE:AI, NAS:MRCC, NAS:MRLN, 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
P/E(ttm) 5.93
SC's P/E(ttm) is ranked higher than
88% of the 1513 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.26 vs. SC: 5.93 )
Ranked among companies with meaningful P/E(ttm) only.
SC' s P/E(ttm) Range Over the Past 10 Years
Min: 4.49  Med: 9.08 Max: 17.46
Current: 5.93
4.49
17.46
Forward P/E 4.96
SC's Forward P/E is ranked higher than
97% of the 369 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.63 vs. SC: 4.96 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 5.93
SC's PE(NRI) is ranked higher than
89% of the 1515 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.28 vs. SC: 5.93 )
Ranked among companies with meaningful PE(NRI) only.
SC' s PE(NRI) Range Over the Past 10 Years
Min: 4.49  Med: 9.08 Max: 17.46
Current: 5.93
4.49
17.46
P/B 0.95
SC's P/B is ranked higher than
61% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.06 vs. SC: 0.95 )
Ranked among companies with meaningful P/B only.
SC' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 1.88 Max: 2.93
Current: 0.95
0.71
2.93
P/S 0.82
SC's P/S is ranked higher than
93% of the 1606 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.98 vs. SC: 0.82 )
Ranked among companies with meaningful P/S only.
SC' s P/S Range Over the Past 10 Years
Min: 0.63  Med: 1.45 Max: 2.12
Current: 0.82
0.63
2.12
POCF 1.31
SC's POCF is ranked higher than
89% of the 920 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.22 vs. SC: 1.31 )
Ranked among companies with meaningful POCF only.
SC' s POCF Range Over the Past 10 Years
Min: 0.9  Med: 1.86 Max: 3.64
Current: 1.31
0.9
3.64
EV-to-EBIT 32.73
SC's EV-to-EBIT is ranked lower than
86% of the 1243 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.80 vs. SC: 32.73 )
Ranked among companies with meaningful EV-to-EBIT only.
SC' s EV-to-EBIT Range Over the Past 10 Years
Min: 26.1  Med: 32.1 Max: 40.3
Current: 32.73
26.1
40.3
EV-to-EBITDA 17.99
SC's EV-to-EBITDA is ranked lower than
71% of the 1243 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.39 vs. SC: 17.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
SC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.6  Med: 18.6 Max: 30.8
Current: 17.99
15.6
30.8

Buy Back

vs
industry
vs
history
Yield on cost (5-Year) 2.03
SC's Yield on cost (5-Year) is ranked lower than
72% of the 2538 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.43 vs. SC: 2.03 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.6  Med: 0.77 Max: 2.03
Current: 2.03
0.6
2.03
3-Year Average Share Buyback Ratio -1.10
SC's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1052 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.00 vs. SC: -1.10 )
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: -1.1 Max: 0
Current: -1.1
-12.4
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
SC's Price/Tangible Book is ranked higher than
63% of the 1590 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.13 vs. SC: 0.97 )
Ranked among companies with meaningful Price/Tangible Book only.
SC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.97 Max: 3.02
Current: 0.97
0.84
3.02
Price/Median PS Value 0.57
SC's Price/Median PS Value is ranked higher than
93% of the 1494 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.04 vs. SC: 0.57 )
Ranked among companies with meaningful Price/Median PS Value only.
SC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.49  Med: 1.02 Max: 1.44
Current: 0.57
0.49
1.44
Price/Graham Number 0.51
SC's Price/Graham Number is ranked higher than
80% of the 1398 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.85 vs. SC: 0.51 )
Ranked among companies with meaningful Price/Graham Number only.
SC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.44  Med: 0.93 Max: 1.52
Current: 0.51
0.44
1.52
Earnings Yield (Greenblatt) (%) 3.10
SC's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1619 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.70 vs. SC: 3.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 3.1 Max: 3.8
Current: 3.1
2.5
3.8

More Statistics

Revenue (TTM) (Mil) $5,270
EPS (TTM) $ 2.04
Short Percentage of Float6.82%
52-Week Range $8.54 - 22.54
Shares Outstanding (Mil)358.15

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 5,254 5,617 6,054
EPS ($) 2.29 2.45 2.85
EPS w/o NRI ($) 2.29 2.45 2.85
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.36 0.91
» More Articles for NYSE:SC

Headlines

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Weekly CEO Sells Highlight: Santander Consumer USA Holdings, Sketchers, Avery Dennison, Infinera May 03 2015 
Six Positions Giving Us Great Returns in 2014 Jan 14 2015 

More From Other Websites
Here's Why Santander Consumer USA Stock Gained 10% Sep 26 2016
Santander Consumer USA (SC) Jumps: Stock Goes Up 9.7% Sep 26 2016
[$$] Santander Consumer USA to Restate Financial Reports Sep 23 2016
[$$] Santander's US unit admits to accounting errors Sep 23 2016
Santander Consumer USA Holdings Inc. Provides Update on Filings Sep 23 2016
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Results of Operations and Financial... Sep 23 2016
Santander Consumer USA Holdings Inc. Provides Update on Filings Sep 23 2016
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Change in Directors or Principal Officers,... Sep 16 2016
Santander To Remain At Current Levels, Vetr Crowd Says Sep 16 2016
Santander Consumer USA Holdings, Inc. breached its 50 day moving average in a Bearish Manner : SC-US... Sep 16 2016
[$$] Bayer Monsanto deal requires jumbo financing Sep 14 2016
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Sep 07 2016
Santander Holdings USA, Inc. Provides Update on Form 10-Q Filing Aug 30 2016
Santander's Red-Flag Machine Aug 25 2016
Santander Consumer USA Holdings Inc. Provides Update on Form 10-Q Filing Aug 23 2016
Santander Consumer USA Holdings Inc. Provides Update on Form 10-Q Filing Aug 23 2016
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a... Aug 16 2016
ETF’s with exposure to Santander Consumer USA Holdings, Inc. : August 9, 2016 Aug 09 2016
Santander Consumer USA Holdings, Inc. breached its 50 day moving average in a Bullish Manner : SC-US... Aug 08 2016

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