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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 : 5/10

vs
industry
vs
history
Equity to Asset 0.11
SC's Equity to Asset is ranked higher than
77% of the 2021 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: 0.13
Current: 0.11

0.1
0.13
Interest Coverage 2.05
SC's Interest Coverage is ranked higher than
76% of the 1845 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. SC: 2.05 )
SC' s 10-Year Interest Coverage Range
Min: 1.5   Max: 2.26
Current: 2.05

1.5
2.26
Z-Score: 0.60
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 : 4/10

vs
industry
vs
history
Operating margin (%) 20.50
SC's Operating margin (%) is ranked higher than
62% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.47 vs. SC: 20.50 )
SC' s 10-Year Operating margin (%) Range
Min: 29.83   Max: 47.64
Current: 20.5

29.83
47.64
Net-margin (%) 13.90
SC's Net-margin (%) is ranked higher than
61% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.42 vs. SC: 13.90 )
SC' s 10-Year Net-margin (%) Range
Min: 19.18   Max: 29.23
Current: 13.9

19.18
29.23
ROE (%) 21.73
SC's ROE (%) is ranked higher than
97% of the 2042 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. SC: 21.73 )
SC' s 10-Year ROE (%) Range
Min: 28.55   Max: 69.31
Current: 21.73

28.55
69.31
ROA (%) 2.24
SC's ROA (%) is ranked higher than
96% of the 2045 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. SC: 2.24 )
SC' s 10-Year ROA (%) Range
Min: 3.09   Max: 7.92
Current: 2.24

3.09
7.92
ROC (Joel Greenblatt) (%) 32.60
SC's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2013 Companies
in the Global Specialty Finance industry.

( Industry Median: 77.18 vs. SC: 32.60 )
SC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 105.22   Max: 13086.13
Current: 32.6

105.22
13086.13
» SC's 10-Y Financials

Financials


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

» Details

Guru Trades

SC Guru Trades in

Q1 2014

SC Guru Trades in Q1 2014

Lee Ainslie 4,602,987 sh (New)
Caxton Associates 425,000 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%)
Paul Tudor Jones Sold Out
James Barrow Sold Out
Caxton Associates 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
» 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
Lee Ainslie 2014-09-30 Add 6.65%0.19%$17.6 - $20.12 $ 19.845%11979327
HOTCHKIS & WILEY 2014-09-30 New Buy$17.6 - $20.12 $ 19.845%26700
Lee Ainslie 2014-06-30 Add 144.02%1.83%$18.76 - $24.11 $ 19.84-7%11232360
James Barrow 2014-06-30 Sold Out 0.09%$18.76 - $24.11 $ 19.84-7%0
Lee Ainslie 2014-03-31 New Buy1.6%$22.86 - $25.9 $ 19.84-20%4602987
James Barrow 2014-03-31 New Buy0.09%$22.86 - $25.9 $ 19.84-20%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

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Top Ranked Articles about Santander Consumer USA Holdings Inc

Weekly Insider Sells Highlight: SC, GOOG, TEL, JNPR, ADBE
According to GuruFocus Insider Data, the largest insider sells during the past week were: Santander Consumer USA Holdings Inc., Google Inc., TE Connectivity Ltd., Juniper Networks Inc. and Adobe Systems Inc. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 11.10
SC's P/E(ttm) is ranked higher than
89% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 18.00 vs. SC: 11.10 )
SC' s 10-Year P/E(ttm) Range
Min: 9.62   Max: 17.35
Current: 11.1

9.62
17.35
P/B 2.10
SC's P/B is ranked higher than
63% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.33 vs. SC: 2.10 )
SC' s 10-Year P/B Range
Min: 1.82   Max: 2.93
Current: 2.1

1.82
2.93
P/S 1.54
SC's P/S is ranked higher than
93% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.59 vs. SC: 1.54 )
SC' s 10-Year P/S Range
Min: 1.34   Max: 2.15
Current: 1.54

1.34
2.15
EV-to-EBIT 36.14
SC's EV-to-EBIT is ranked higher than
63% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.57 vs. SC: 36.14 )
SC' s 10-Year EV-to-EBIT Range
Min: 35.2   Max: 44.8
Current: 36.14

35.2
44.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.76
SC's Dividend Yield is ranked lower than
89% of the 1880 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.31 vs. SC: 0.76 )
SC' s 10-Year Dividend Yield Range
Min: 0.73   Max: 0.87
Current: 0.76

0.73
0.87
Dividend Payout 0.08
SC's Dividend Payout is ranked higher than
97% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.61 vs. SC: 0.08 )
SC' s 10-Year Dividend Payout Range
Min: 0.22   Max: 0.22
Current: 0.08

Yield on cost (5-Year) 0.80
SC's Yield on cost (5-Year) is ranked lower than
85% of the 1893 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.58 vs. SC: 0.80 )
SC' s 10-Year Yield on cost (5-Year) Range
Min: 0.73   Max: 0.87
Current: 0.8

0.73
0.87

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.18
SC's Price/Tangible Book is ranked higher than
65% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.60 vs. SC: 2.18 )
SC' s 10-Year Price/Tangible Book Range
Min: 1.95   Max: 3.02
Current: 2.18

1.95
3.02
Price/Median PS Value 0.98
SC's Price/Median PS Value is ranked higher than
87% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. SC: 0.98 )
SC' s 10-Year Price/Median PS Value Range
Min: 0.88   Max: 1.36
Current: 0.98

0.88
1.36
Price/Graham Number 1.03
SC's Price/Graham Number is ranked higher than
77% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.18 vs. SC: 1.03 )
SC' s 10-Year Price/Graham Number Range
Min: 0.92   Max: 1.52
Current: 1.03

0.92
1.52
Earnings Yield (Greenblatt) 2.80
SC's Earnings Yield (Greenblatt) is ranked higher than
59% of the 2006 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. SC: 2.80 )
SC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 2.8
Current: 2.8

2.2
2.8

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

Headlines

Articles On GuruFocus.com
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of Class Action Against Santander Consume Oct 23 2014 
Kessler Topaz Meltzer & Check, LLP Reminds Santander Consumer USA Holdings, Inc. (SC) Shareholders o Oct 15 2014 
Weekly Insider Sells Highlight: SC, GOOG, TEL, JNPR, ADBE Feb 03 2014 

More From Other Websites
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Other Events Dec 18 2014
NYS Department of Financial Services subpoenas auto lenders Dec 11 2014
Santander says not considering buyout of U.S. auto finance unit Dec 09 2014
One Reason Santander Consumer USA (SC) Stock Is Up Today Dec 09 2014
Fitch To Withdraw Ratings Of Santander Holdings USA And Santander Bank Dec 04 2014
Santander Names T. Timothy Ryan, Jr. As Chairman Of Santander Holdings USA And Santander Bank, N.A. Dec 01 2014
Morgan Stanley Feels More Positive On Santander Consumer Following Investor Day Nov 20 2014
UPDATE: Bank Of America Downgrades Santander Consumer Following Investor Day Nov 20 2014
More U.S. borrowers fall behind on their car loans in 3rd qtr Nov 19 2014
Santander Consumer USA (SC) Crumbles: Stock Falls by 7.1% Nov 19 2014
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Regulation FD Disclosure, Financial... Nov 18 2014
SANTANDER CONSUMER USA HOLDINGS INC. Financials Nov 11 2014
Santander Consumer USA (SC) Stock Falling Today After Analyst Downgrades Nov 05 2014
[video]Analysts' Actions: Discovery, Domino's Pizza, Estee Lauder, Time Nov 05 2014
Will Capital One Financial (COF) Stock Be Hurt Today by Subprime Auto Finance Probe? Nov 04 2014
Santander Consumer USA (SC) Stock Down After Earnings Miss Nov 04 2014
Santander Consumer USA Holdings Inc. reports third quarter 2014 net income of $191.4 million, or... Nov 04 2014
Q3 2014 Santander Consumer USA Holdings Inc Earnings Release - Time Not Supplied Nov 04 2014
Santander Consumer USA Holdings Inc. reports third quarter 2014 net income of $191.4 million, or... Nov 04 2014
SANTANDER CONSUMER USA HOLDINGS INC. Files SEC form 8-K, Results of Operations and Financial... Nov 04 2014

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