Switch to:
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
SC's Equity to Asset is ranked higher than
64% of the 1578 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. SC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
SC' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.11 Max: 0.13
Current: 0.12
0.1
0.13
Interest Coverage 0.77
SC's Interest Coverage is ranked lower than
71% of the 1429 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.82 vs. SC: 0.77 )
Ranked among companies with meaningful Interest Coverage only.
SC' s Interest Coverage Range Over the Past 10 Years
Min: 0.96  Med: 2.26 Max: 3.18
Current: 0.77
0.96
3.18
F-Score: 5
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 : 6/10

vs
industry
vs
history
Operating margin (%) 26.21
SC's Operating margin (%) is ranked lower than
64% of the 1590 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.86 vs. SC: 26.21 )
Ranked among companies with meaningful Operating margin (%) only.
SC' s Operating margin (%) Range Over the Past 10 Years
Min: 25.27  Med: 35.64 Max: 47.64
Current: 26.21
25.27
47.64
Net-margin (%) 16.33
SC's Net-margin (%) is ranked lower than
71% of the 1593 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.37 vs. SC: 16.33 )
Ranked among companies with meaningful Net-margin (%) only.
SC' s Net-margin (%) Range Over the Past 10 Years
Min: 16  Med: 21.81 Max: 29.23
Current: 16.33
16
29.23
ROE (%) 21.17
SC's ROE (%) is ranked higher than
94% of the 1589 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.01 vs. SC: 21.17 )
Ranked among companies with meaningful ROE (%) only.
SC' s ROE (%) Range Over the Past 10 Years
Min: 24.54  Med: 30.47 Max: 69.31
Current: 21.17
24.54
69.31
ROA (%) 2.47
SC's ROA (%) is ranked higher than
92% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.86 vs. SC: 2.47 )
Ranked among companies with meaningful ROA (%) only.
SC' s ROA (%) Range Over the Past 10 Years
Min: 2.61  Med: 3.42 Max: 7.92
Current: 2.47
2.61
7.92
» SC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2015

SC Guru Trades in Q2 2015

Jim Simons 128,900 sh (New)
Joel Greenblatt 10,529 sh (New)
Paul Tudor Jones 16,400 sh (+70.25%)
Julian Robertson 585,000 sh (unchged)
David Einhorn 2,172,251 sh (unchged)
Ken Heebner Sold Out
HOTCHKIS & WILEY 1,552,391 sh (-21.51%)
Lee Ainslie 10,574,825 sh (-22.08%)
» More
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
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 3.27
SC's P/E(ttm) is ranked higher than
96% of the 2164 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.39 vs. SC: 3.27 )
Ranked among companies with meaningful P/E(ttm) only.
SC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.22  Med: 9.08 Max: 17.35
Current: 3.27
3.22
17.35
Forward P/E 3.70
SC's Forward P/E is ranked higher than
97% of the 1322 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.27 vs. SC: 3.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 3.27
SC's PE(NRI) is ranked higher than
96% of the 1679 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.31 vs. SC: 3.27 )
Ranked among companies with meaningful PE(NRI) only.
SC' s PE(NRI) Range Over the Past 10 Years
Min: 3.22  Med: 9.10 Max: 17.33
Current: 3.27
3.22
17.33
P/B 0.76
SC's P/B is ranked higher than
67% of the 2247 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.01 vs. SC: 0.76 )
Ranked among companies with meaningful P/B only.
SC' s P/B Range Over the Past 10 Years
Min: 0.75  Med: 2.02 Max: 2.93
Current: 0.76
0.75
2.93
P/S 0.65
SC's P/S is ranked higher than
95% of the 2511 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.55 vs. SC: 0.65 )
Ranked among companies with meaningful P/S only.
SC' s P/S Range Over the Past 10 Years
Min: 0.63  Med: 1.54 Max: 2.12
Current: 0.65
0.63
2.12
POCF 0.89
SC's POCF is ranked higher than
91% of the 1518 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.30 vs. SC: 0.89 )
Ranked among companies with meaningful POCF only.
SC' s POCF Range Over the Past 10 Years
Min: 0.87  Med: 1.96 Max: 3.64
Current: 0.89
0.87
3.64
EV-to-EBIT 21.53
SC's EV-to-EBIT is ranked lower than
76% of the 2121 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.36 vs. SC: 21.53 )
Ranked among companies with meaningful EV-to-EBIT only.
SC' s EV-to-EBIT Range Over the Past 10 Years
Min: 21.51  Med: 29.40 Max: 41.3
Current: 21.53
21.51
41.3
EV-to-EBITDA 12.14
SC's EV-to-EBITDA is ranked lower than
55% of the 2129 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.08 vs. SC: 12.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
SC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 12.13  Med: 17.20 Max: 30.2
Current: 12.14
12.13
30.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.89
SC's Dividend Yield is ranked lower than
75% of the 2412 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.03 vs. SC: 1.89 )
Ranked among companies with meaningful Dividend Yield only.
SC' s Dividend Yield Range Over the Past 10 Years
Min: 0.6  Med: 0.77 Max: 1.92
Current: 1.89
0.6
1.92
Yield on cost (5-Year) 1.89
SC's Yield on cost (5-Year) is ranked lower than
77% of the 2446 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.42 vs. SC: 1.89 )
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: 1.92
Current: 1.89
0.6
1.92

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.79
SC's Price/Tangible Book is ranked higher than
70% of the 2191 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.08 vs. SC: 0.79 )
Ranked among companies with meaningful Price/Tangible Book only.
SC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.73  Med: 2.17 Max: 3.02
Current: 0.79
1.73
3.02
Price/Median PS Value 0.42
SC's Price/Median PS Value is ranked higher than
95% of the 2108 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.94 vs. SC: 0.42 )
Ranked among companies with meaningful Price/Median PS Value only.
SC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.89  Med: 1.02 Max: 1.36
Current: 0.42
0.89
1.36
Price/Graham Number 0.39
SC's Price/Graham Number is ranked higher than
86% of the 2062 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. SC: 0.39 )
Ranked among companies with meaningful Price/Graham Number only.
SC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.73  Med: 0.93 Max: 1.51
Current: 0.39
0.73
1.51
Earnings Yield (Greenblatt) (%) 4.65
SC's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1519 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.20 vs. SC: 4.65 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 3.40 Max: 4.65
Current: 4.65
2.4
4.65

More Statistics

Revenue(Mil) $5304
EPS $ 2.92
Short Percentage of Float9.34%
52-Week Range $9.04 - 26.83
Shares Outstanding(Mil)357.90

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 3,867 4,309 6,845
EPS($) 2.42 2.58 3.10
EPS without NRI($) 2.42 2.58 3.10

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

Articles On GuruFocus.com
David Einhorn's Best Performing Stocks Year to Date Oct 05 2015 
How the Coming Credit Bust Can Make You Rich Sep 07 2015 
Eight Bridges Capital Management's July 2015 Investor Letter Sep 01 2015 
Ken Heebner's stocks trading with low P/E Jun 17 2015 
David Einhorn's Top 5 New Stock Buys May 19 2015 
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 
Weekly Insider Sells Highlight: SC, GOOG, TEL, JNPR, ADBE Feb 03 2014 

More From Other Websites
Santander Consumer USA Holdings Inc. Announces Approximately $900 Million in Asset Sales Related to... Feb 01 2016
Santander Consumer USA Holdings Inc. Announces Approximately $900 Million in Asset Sales Related to... Feb 01 2016
[$$] J.P. Morgan Acquires Nearly $1 Billion Worth of Lending Club Loans Feb 01 2016
Santander Consumer USA Holdings, Inc. Earnings Analysis: Q4, 2015 By the Numbers Feb 01 2016
Stock Updates on Mortgage Investment -- Ally Financial, Ocwen Financial, Santander Consumer USA... Feb 01 2016
Santander Consumer USA downgraded by BofA/Merrill Feb 01 2016
Edited Transcript of SC earnings conference call or presentation 27-Jan-16 2:00pm GMT Jan 27 2016
The 52-Week Low Club for Wednesday Jan 27 2016
Santander Consumer (SC) Q4 Earnings: Revenue Down Y/Y Jan 27 2016
Q4 2015 Santander Consumer USA Holdings Inc Earnings Release - Before Market Open Jan 27 2016
Santander Consumer USA Holdings Inc. Reports Fourth Quarter and Full Year 2015 Results Jan 27 2016
Santander Consumer misses 4Q profit forecasts Jan 27 2016
Santander Consumer misses 4Q profit forecasts Jan 27 2016
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Results of Operations and Financial... Jan 27 2016
Santander Consumer USA Holdings Inc. Reports Fourth Quarter and Full Year 2015 Results Jan 27 2016
Can Santander Consumer (SC) Maintain its Earnings Streak? Jan 25 2016
Santander Holdings USA Declares Quarterly Dividend On Preferred Stock Jan 14 2016
RoadLoans Teams with Trustpilot for Independent Customer Reviews and Opportunities for Service Dec 16 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK