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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 2260 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: 0.12
Current: 0.11

0.1
0.12
Interest Coverage 0.96
SC's Interest Coverage is ranked higher than
64% of the 2143 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.23 vs. SC: 0.96 )
SC' s 10-Year Interest Coverage Range
Min: 0.96   Max: 3.18
Current: 0.96

0.96
3.18
Z-Score: 0.65
WACC vs ROIC
2.86%
2.42%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 23.47
SC's Operating margin (%) is ranked higher than
64% of the 2333 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.19 vs. SC: 23.47 )
SC' s 10-Year Operating margin (%) Range
Min: 25.27   Max: 47.64
Current: 23.47

25.27
47.64
Net-margin (%) 16.39
SC's Net-margin (%) is ranked higher than
63% of the 2333 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.29 vs. SC: 16.39 )
SC' s 10-Year Net-margin (%) Range
Min: 16   Max: 29.23
Current: 16.39

16
29.23
ROE (%) 24.63
SC's ROE (%) is ranked higher than
98% of the 2336 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.96 vs. SC: 24.63 )
SC' s 10-Year ROE (%) Range
Min: 24.54   Max: 32.38
Current: 24.63

24.54
32.38
ROA (%) 2.59
SC's ROA (%) is ranked higher than
95% of the 2341 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. SC: 2.59 )
SC' s 10-Year ROA (%) Range
Min: 2.61   Max: 3.75
Current: 2.59

2.61
3.75
ROC (Joel Greenblatt) (%) 30.52
SC's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 2305 Companies
in the Global Specialty Finance industry.

( Industry Median: 88.52 vs. SC: 30.52 )
SC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.8   Max: 17657.84
Current: 30.52

34.8
17657.84
» SC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

SC Guru Trades in Q1 2014

Jana Partners 150,000 sh (New)
Lee Ainslie 4,602,987 sh (New)
Paul Tudor Jones 27,193 sh (New)
James Barrow 2,515,034 sh (New)
Steven Cohen 381,398 sh (New)
Caxton Associates 425,000 sh (New)
» More
Q2 2014

SC Guru Trades in Q2 2014

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

SC Guru Trades in Q3 2014

HOTCHKIS & WILEY 26,700 sh (New)
Paul Tudor Jones 25,723 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
» 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) 10.50
SC's P/E(ttm) is ranked higher than
89% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 18.60 vs. SC: 10.50 )
SC' s 10-Year P/E(ttm) Range
Min: 8.19   Max: 27.8
Current: 10.5

8.19
27.8
Forward P/E 9.03
SC's Forward P/E is ranked higher than
91% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. SC: 9.03 )
N/A
PE(NRI) 10.50
SC's PE(NRI) is ranked higher than
90% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 18.30 vs. SC: 10.50 )
SC' s 10-Year PE(NRI) Range
Min: 8.21   Max: 27.77
Current: 10.5

8.21
27.77
P/B 2.20
SC's P/B is ranked higher than
55% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.40 vs. SC: 2.20 )
SC' s 10-Year P/B Range
Min: 1.73   Max: 2.93
Current: 2.2

1.73
2.93
P/S 1.72
SC's P/S is ranked higher than
89% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.75 vs. SC: 1.72 )
SC' s 10-Year P/S Range
Min: 1.34   Max: 2.76
Current: 1.72

1.34
2.76
POCF 2.05
SC's POCF is ranked higher than
95% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 79.62 vs. SC: 2.05 )
SC' s 10-Year POCF Range
Min: 1.61   Max: 3.82
Current: 2.05

1.61
3.82
EV-to-EBIT 32.51
SC's EV-to-EBIT is ranked higher than
64% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 20.51 vs. SC: 32.51 )
SC' s 10-Year EV-to-EBIT Range
Min: 31   Max: 38.7
Current: 32.51

31
38.7
Days Sales Outstanding 2.85
SC's Days Sales Outstanding is ranked higher than
98% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. SC: 2.85 )
SC' s 10-Year Days Sales Outstanding Range
Min: 0.92   Max: 49.89
Current: 2.85

0.92
49.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.65
SC's Dividend Yield is ranked lower than
90% of the 2176 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.43 vs. SC: 0.65 )
SC' s 10-Year Dividend Yield Range
Min: 0.65   Max: 0.87
Current: 0.65

0.65
0.87
Dividend Payout 0.07
SC's Dividend Payout is ranked higher than
99% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.67 vs. SC: 0.07 )
SC' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.07
Current: 0.07

Yield on cost (5-Year) 0.70
SC's Yield on cost (5-Year) is ranked lower than
88% of the 2185 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.75 vs. SC: 0.70 )
SC' s 10-Year Yield on cost (5-Year) Range
Min: 0.65   Max: 0.87
Current: 0.7

0.65
0.87

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.40
SC's Price/Tangible Book is ranked higher than
61% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.61 vs. SC: 2.40 )
SC' s 10-Year Price/Tangible Book Range
Min: 1.96   Max: 3.02
Current: 2.4

1.96
3.02
Price/Median PS Value 1.10
SC's Price/Median PS Value is ranked higher than
78% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. SC: 1.10 )
SC' s 10-Year Price/Median PS Value Range
Min: 0.94   Max: 0.94
Current: 1.1

Price/Graham Number 1.00
SC's Price/Graham Number is ranked higher than
77% of the 3110 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.20 vs. SC: 1.00 )
SC' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 0.89
Current: 1

Earnings Yield (Greenblatt) 3.10
SC's Earnings Yield (Greenblatt) is ranked higher than
52% of the 2321 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.40 vs. SC: 3.10 )
SC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 3.2
Current: 3.1

2.6
3.2

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 
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 


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