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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
SC's Equity to Asset is ranked higher than
64% of the 1653 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: 0.12
Current: 0.12
0.1
0.12
Interest Coverage 0.92
SC's Interest Coverage is ranked lower than
65% of the 1537 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.64 vs. SC: 0.92 )
Ranked among companies with meaningful Interest Coverage only.
SC' s Interest Coverage Range Over the Past 10 Years
Min: 0.95  Med: 2.16 Max: 3.18
Current: 0.92
0.95
3.18
F-Score: 4
M-Score: -3.08
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 (%) 23.68
SC's Operating margin (%) is ranked lower than
69% of the 1671 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.24 vs. SC: 23.68 )
Ranked among companies with meaningful Operating margin (%) only.
SC' s Operating margin (%) Range Over the Past 10 Years
Min: 24.3  Med: 32.74 Max: 47.64
Current: 23.68
24.3
47.64
Net-margin (%) 15.77
SC's Net-margin (%) is ranked lower than
73% of the 1674 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.66 vs. SC: 15.77 )
Ranked among companies with meaningful Net-margin (%) only.
SC' s Net-margin (%) Range Over the Past 10 Years
Min: 15.64  Med: 20.50 Max: 29.23
Current: 15.77
15.64
29.23
ROE (%) 20.20
SC's ROE (%) is ranked higher than
91% of the 1669 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.48 vs. SC: 20.20 )
Ranked among companies with meaningful ROE (%) only.
SC' s ROE (%) Range Over the Past 10 Years
Min: 20.63  Med: 28.55 Max: 69.31
Current: 20.2
20.63
69.31
ROA (%) 2.35
SC's ROA (%) is ranked higher than
89% of the 1679 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. SC: 2.35 )
Ranked among companies with meaningful ROA (%) only.
SC' s ROA (%) Range Over the Past 10 Years
Min: 2.4  Med: 3.09 Max: 7.92
Current: 2.35
2.4
7.92
Revenue Growth (3Y)(%) 21.10
SC's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1364 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.90 vs. SC: 21.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.00 Max: 21.1
Current: 21.1
0
21.1
EBITDA Growth (3Y)(%) 14.10
SC's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1261 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.40 vs. SC: 14.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -2.30 Max: 14.1
Current: 14.1
0
14.1
EPS Growth (3Y)(%) 3.70
SC's EPS Growth (3Y)(%) is ranked lower than
62% of the 1246 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 vs. SC: 3.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -13.30 Max: 3.7
Current: 3.7
0
3.7
» SC's 10-Y Financials

Financials


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

» Details

Guru Trades

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

Joel Greenblatt 10,529 sh (New)
Jim Simons 128,900 sh (New)
Paul Tudor Jones 16,400 sh (+70.25%)
David Einhorn 2,172,251 sh (unchged)
Julian Robertson 585,000 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
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
» 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) 5.80
SC's P/E(ttm) is ranked higher than
91% of the 1567 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.61 vs. SC: 5.80 )
Ranked among companies with meaningful P/E(ttm) only.
SC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.98  Med: 9.32 Max: 22.63
Current: 5.8
3.98
22.63
Forward P/E 5.66
SC's Forward P/E is ranked higher than
96% of the 365 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.66 vs. SC: 5.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 5.80
SC's PE(NRI) is ranked higher than
90% of the 1567 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.57 vs. SC: 5.80 )
Ranked among companies with meaningful PE(NRI) only.
SC' s PE(NRI) Range Over the Past 10 Years
Min: 3.98  Med: 9.31 Max: 22.63
Current: 5.8
3.98
22.63
P/B 1.07
SC's P/B is ranked higher than
58% of the 1635 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.04 vs. SC: 1.07 )
Ranked among companies with meaningful P/B only.
SC' s P/B Range Over the Past 10 Years
Min: 0.74  Med: 1.96 Max: 2.93
Current: 1.07
0.74
2.93
P/S 0.93
SC's P/S is ranked higher than
93% of the 1630 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.93 vs. SC: 0.93 )
Ranked among companies with meaningful P/S only.
SC' s P/S Range Over the Past 10 Years
Min: 0.63  Med: 1.50 Max: 2.12
Current: 0.93
0.63
2.12
POCF 1.22
SC's POCF is ranked higher than
89% of the 970 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.10 vs. SC: 1.22 )
Ranked among companies with meaningful POCF only.
SC' s POCF Range Over the Past 10 Years
Min: 0.84  Med: 1.92 Max: 3.64
Current: 1.22
0.84
3.64
EV-to-EBIT 28.31
SC's EV-to-EBIT is ranked lower than
82% of the 1501 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.32 vs. SC: 28.31 )
Ranked among companies with meaningful EV-to-EBIT only.
SC' s EV-to-EBIT Range Over the Past 10 Years
Min: 24.4  Med: 28.90 Max: 40.3
Current: 28.31
24.4
40.3
EV-to-EBITDA 16.96
SC's EV-to-EBITDA is ranked lower than
67% of the 1503 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.32 vs. SC: 16.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
SC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15  Med: 18.50 Max: 30.8
Current: 16.96
15
30.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
SC's Price/Tangible Book is ranked higher than
59% of the 1627 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.11 vs. SC: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
SC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.32  Med: 1.65 Max: 1.97
Current: 1.12
1.32
1.97
Price/Median PS Value 0.61
SC's Price/Median PS Value is ranked higher than
95% of the 1530 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.02 vs. SC: 0.61 )
Ranked among companies with meaningful Price/Median PS Value only.
SC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.72  Med: 0.85 Max: 0.98
Current: 0.61
0.72
0.98
Price/Graham Number 0.54
SC's Price/Graham Number is ranked higher than
80% of the 1455 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.82 vs. SC: 0.54 )
Ranked among companies with meaningful Price/Graham Number only.
SC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 0.78 Max: 0.92
Current: 0.54
0.64
0.92
Earnings Yield (Greenblatt) (%) 3.55
SC's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 1641 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.90 vs. SC: 3.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 3.45 Max: 4.1
Current: 3.55
2.5
4.1

More Statistics

Revenue(Mil) $5246
EPS $ 2.30
Short Percentage of Float7.89%
52-Week Range $8.54 - 26.83
Shares Outstanding(Mil)358.04

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 3,768 4,155 6,606
EPS($) 2.21 2.30 2.87
EPS without NRI($) 2.21 2.30 2.87

Business Description

Industry: Banks » Specialty Finance
Compare:BOM:500010, JSE:SBV, NYSE:ALLY, BOM:535789, BOM:500253 » 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.
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