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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 : 4/10

vs
industry
vs
history
Equity to Asset 0.11
SC's Equity to Asset is ranked higher than
54% of the 1337 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. SC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
SC' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.11 Max: 0.13
Current: 0.11
0.1
0.13
Interest Coverage 0.96
SC's Interest Coverage is ranked lower than
64% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.62 vs. SC: 0.96 )
Ranked among companies with meaningful Interest Coverage only.
SC' s 10-Year Interest Coverage Range
Min: 0.96  Med: 2.05 Max: 3.18
Current: 0.96
0.96
3.18
F-Score: 5
WACC vs ROIC
2.93%
3.04%
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 (%) 29.46
SC's Operating margin (%) is ranked lower than
51% of the 1405 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.01 vs. SC: 29.46 )
Ranked among companies with meaningful Operating margin (%) only.
SC' s 10-Year Operating margin (%) Range
Min: 25.27  Med: 35.64 Max: 47.64
Current: 29.46
25.27
47.64
Net-margin (%) 20.13
SC's Net-margin (%) is ranked lower than
55% of the 1405 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.75 vs. SC: 20.13 )
Ranked among companies with meaningful Net-margin (%) only.
SC' s 10-Year Net-margin (%) Range
Min: 16  Med: 21.81 Max: 29.23
Current: 20.13
16
29.23
ROE (%) 29.13
SC's ROE (%) is ranked higher than
96% of the 1407 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.30 vs. SC: 29.13 )
Ranked among companies with meaningful ROE (%) only.
SC' s 10-Year ROE (%) Range
Min: 24.54  Med: 30.47 Max: 69.31
Current: 29.13
24.54
69.31
ROA (%) 3.12
SC's ROA (%) is ranked higher than
93% of the 1416 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.84 vs. SC: 3.12 )
Ranked among companies with meaningful ROA (%) only.
SC' s 10-Year ROA (%) Range
Min: 2.61  Med: 3.42 Max: 7.92
Current: 3.12
2.61
7.92
ROC (Joel Greenblatt) (%) 33.91
SC's ROC (Joel Greenblatt) (%) is ranked lower than
73% of the 1398 Companies
in the Global Specialty Finance industry.

( Industry Median: 76.67 vs. SC: 33.91 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.8  Med: 3698.47 Max: 13086.13
Current: 33.91
34.8
13086.13
» SC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

SC Guru Trades in Q2 2014

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

SC Guru Trades in Q3 2014

Paul Tudor Jones 25,723 sh (New)
HOTCHKIS & WILEY 26,700 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
Q1 2015

SC Guru Trades in Q1 2015

David Einhorn 2,172,251 sh (New)
Ken Heebner 1,655,000 sh (New)
HOTCHKIS & WILEY 1,977,891 sh (+0.60%)
Julian Robertson 585,000 sh (unchged)
Lee Ainslie 13,572,219 sh (-6.09%)
Paul Tudor Jones 9,633 sh (-48.66%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 8.80
SC's P/E(ttm) is ranked higher than
80% of the 1259 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.20 vs. SC: 8.80 )
Ranked among companies with meaningful P/E(ttm) only.
SC' s 10-Year P/E(ttm) Range
Min: 8.07  Med: 10.00 Max: 17.35
Current: 8.8
8.07
17.35
Forward P/E 8.01
SC's Forward P/E is ranked higher than
82% of the 710 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.18 vs. SC: 8.01 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 8.90
SC's PE(NRI) is ranked higher than
79% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.20 vs. SC: 8.90 )
Ranked among companies with meaningful PE(NRI) only.
SC' s 10-Year PE(NRI) Range
Min: 8.09  Med: 9.99 Max: 17.33
Current: 8.9
8.09
17.33
P/B 2.20
SC's P/B is ranked lower than
91% of the 1359 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.10 vs. SC: 2.20 )
Ranked among companies with meaningful P/B only.
SC' s 10-Year P/B Range
Min: 1.73  Med: 2.16 Max: 2.93
Current: 2.2
1.73
2.93
P/S 1.78
SC's P/S is ranked higher than
78% of the 1388 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.94 vs. SC: 1.78 )
Ranked among companies with meaningful P/S only.
SC' s 10-Year P/S Range
Min: 1.32  Med: 1.66 Max: 2.12
Current: 1.78
1.32
2.12
POCF 2.01
SC's POCF is ranked higher than
83% of the 923 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.67 vs. SC: 2.01 )
Ranked among companies with meaningful POCF only.
SC' s 10-Year POCF Range
Min: 1.61  Med: 2.01 Max: 3.64
Current: 2.01
1.61
3.64
EV-to-EBIT 26.76
SC's EV-to-EBIT is ranked lower than
80% of the 1271 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.91 vs. SC: 26.76 )
Ranked among companies with meaningful EV-to-EBIT only.
SC' s 10-Year EV-to-EBIT Range
Min: 26.3  Med: 33.10 Max: 41.3
Current: 26.76
26.3
41.3
Days Sales Outstanding 42.84
SC's Days Sales Outstanding is ranked lower than
61% of the 775 Companies
in the Global Specialty Finance industry.

( Industry Median: 33.80 vs. SC: 42.84 )
Ranked among companies with meaningful Days Sales Outstanding only.
SC' s 10-Year Days Sales Outstanding Range
Min: 0.92  Med: 20.63 Max: 49.89
Current: 42.84
0.92
49.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.59
SC's Dividend Yield is ranked lower than
95% of the 2216 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.60 vs. SC: 0.59 )
Ranked among companies with meaningful Dividend Yield only.
SC' s 10-Year Dividend Yield Range
Min: 0.57  Med: 0.76 Max: 0.87
Current: 0.59
0.57
0.87
Dividend Payout 0.05
SC's Dividend Payout is ranked higher than
97% of the 1297 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.33 vs. SC: 0.05 )
Ranked among companies with meaningful Dividend Payout only.
SC' s 10-Year Dividend Payout Range
Min: 0.22  Med: 0.22 Max: 0.22
Current: 0.05
Yield on cost (5-Year) 0.59
SC's Yield on cost (5-Year) is ranked lower than
94% of the 2229 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.07 vs. SC: 0.59 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SC' s 10-Year Yield on cost (5-Year) Range
Min: 0.55  Med: 0.76 Max: 0.87
Current: 0.59
0.55
0.87

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.27
SC's Price/Tangible Book is ranked lower than
89% of the 1337 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.18 vs. SC: 2.27 )
Ranked among companies with meaningful Price/Tangible Book only.
SC' s 10-Year Price/Tangible Book Range
Min: 1.96  Med: 2.17 Max: 3.02
Current: 2.27
1.96
3.02
Price/Median PS Value 1.08
SC's Price/Median PS Value is ranked higher than
50% of the 1195 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.08 vs. SC: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
SC' s 10-Year Price/Median PS Value Range
Min: 0.83  Med: 0.95 Max: 1.26
Current: 1.08
0.83
1.26
Price/Graham Number 0.94
SC's Price/Graham Number is ranked lower than
60% of the 1086 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.86 vs. SC: 0.94 )
Ranked among companies with meaningful Price/Graham Number only.
SC' s 10-Year Price/Graham Number Range
Min: 0.89  Med: 0.92 Max: 1.52
Current: 0.94
0.89
1.52
Earnings Yield (Greenblatt) (%) 3.70
SC's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 1390 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. SC: 3.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.4  Med: 3.00 Max: 3.8
Current: 3.7
2.4
3.8

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:77S.Germany,
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.
» More Articles for SC

Headlines

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SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of Class Action Against Santander Consume Oct 23 2014 
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Weekly Insider Sells Highlight: SC, GOOG, TEL, JNPR, ADBE Feb 03 2014 

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