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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.01
SC's Cash-to-Debt is ranked lower than
100% of the 1639 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.05 vs. SC: 0.01 )
Ranked among companies with meaningful Cash-to-Debt only.
SC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.01
Current: 0.01
0
0.01
Equity-to-Asset 0.14
SC's Equity-to-Asset is ranked higher than
78% of the 1624 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. SC: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
SC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.14
Current: 0.14
0.1
0.14
Debt-to-Equity 5.57
SC's Debt-to-Equity is ranked lower than
97% of the 1247 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.63 vs. SC: 5.57 )
Ranked among companies with meaningful Debt-to-Equity only.
SC' s Debt-to-Equity Range Over the Past 10 Years
Min: 5.29  Med: 6.93 Max: 8.72
Current: 5.57
5.29
8.72
Debt-to-EBITDA 14.45
SC's Debt-to-EBITDA is ranked lower than
82% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.03 vs. SC: 14.45 )
Ranked among companies with meaningful Debt-to-EBITDA only.
SC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 11.12  Med: 14.14 Max: 16.44
Current: 14.45
11.12
16.44
Interest Coverage 0.48
SC's Interest Coverage is ranked lower than
84% of the 1562 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.72 vs. SC: 0.48 )
Ranked among companies with meaningful Interest Coverage only.
SC' s Interest Coverage Range Over the Past 10 Years
Min: 0.48  Med: 2.26 Max: 3.18
Current: 0.48
0.48
3.18
Beneish M-Score: -3.19
WACC vs ROIC
4.92%
1.86%
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 % 21.03
SC's Operating Margin % is ranked lower than
74% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 32.07 vs. SC: 21.03 )
Ranked among companies with meaningful Operating Margin % only.
SC' s Operating Margin % Range Over the Past 10 Years
Min: 21.03  Med: 35.03 Max: 47.64
Current: 21.03
21.03
47.64
Net Margin % 14.90
SC's Net Margin % is ranked lower than
75% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.99 vs. SC: 14.90 )
Ranked among companies with meaningful Net Margin % only.
SC' s Net Margin % Range Over the Past 10 Years
Min: 14.9  Med: 19.41 Max: 29.23
Current: 14.9
14.9
29.23
ROE % 12.97
SC's ROE % is ranked higher than
76% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. SC: 12.97 )
Ranked among companies with meaningful ROE % only.
SC' s ROE % Range Over the Past 10 Years
Min: 12.97  Med: 26.47 Max: 69.31
Current: 12.97
12.97
69.31
ROA % 1.76
SC's ROA % is ranked higher than
84% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. SC: 1.76 )
Ranked among companies with meaningful ROA % only.
SC' s ROA % Range Over the Past 10 Years
Min: 1.76  Med: 2.84 Max: 7.92
Current: 1.76
1.76
7.92
3-Year Revenue Growth Rate 7.30
SC's 3-Year Revenue Growth Rate is ranked higher than
65% of the 1479 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.20 vs. SC: 7.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.1 Max: 20
Current: 7.3
0
20
3-Year EBITDA Growth Rate 14.50
SC's 3-Year EBITDA Growth Rate is ranked higher than
70% of the 1396 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.90 vs. SC: 14.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.05 Max: 14.5
Current: 14.5
0
14.5
3-Year EPS without NRI Growth Rate 2.00
SC's 3-Year EPS without NRI Growth Rate is ranked lower than
63% of the 1354 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. SC: 2.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -5.6 Max: 3.7
Current: 2
0
3.7
GuruFocus has detected 9 Warning Signs with Santander Consumer USA Holdings Inc SC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SC's 30-Y Financials

Financials (Next Earnings Date: 2017-10-27)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

SC Guru Trades in Q3 2016

Jim Simons 427,600 sh (New)
Steven Cohen 944,900 sh (+293.87%)
Andreas Halvorsen Sold Out
HOTCHKIS & WILEY 3,774,750 sh (-5.42%)
Joel Greenblatt 20,724 sh (-5.82%)
Jeremy Grantham 27,000 sh (-45.01%)
» More
Q4 2016

SC Guru Trades in Q4 2016

Lee Ainslie 237,340 sh (New)
Jim Simons 748,100 sh (+74.95%)
Steven Cohen 1,505,392 sh (+59.32%)
Jeremy Grantham 28,400 sh (+5.19%)
HOTCHKIS & WILEY 3,631,018 sh (-3.81%)
Joel Greenblatt 17,098 sh (-17.50%)
» More
Q1 2017

SC Guru Trades in Q1 2017

Steven Cohen 2,370,000 sh (+57.43%)
Joel Greenblatt 18,701 sh (+9.38%)
HOTCHKIS & WILEY 3,801,644 sh (+4.70%)
Lee Ainslie Sold Out
Jim Simons Sold Out
Jeremy Grantham 17,500 sh (-38.38%)
» More
Q2 2017

SC Guru Trades in Q2 2017

Jim Simons 865,600 sh (New)
Steven Cohen 2,629,804 sh (+10.96%)
Jeremy Grantham Sold Out
HOTCHKIS & WILEY 3,778,561 sh (-0.61%)
Joel Greenblatt 17,839 sh (-4.61%)
» 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
HOTCHKIS & WILEY 2017-06-30 Reduce -0.61%$11.17 - $13.34 $ 15.3927%3,778,561
Joel Greenblatt 2017-06-30 Reduce -4.61%$11.17 - $13.34 $ 15.3927%17,839
HOTCHKIS & WILEY 2017-03-31 Add 4.70%0.01%$12.81 - $14.97 $ 15.3911%3,801,644
Joel Greenblatt 2017-03-31 Add 9.38%$12.81 - $14.97 $ 15.3911%18,701
HOTCHKIS & WILEY 2016-12-31 Reduce -3.81%0.01%$10.93 - $14.84 $ 15.3917%3,631,018
Joel Greenblatt 2016-12-31 Reduce -17.50%$10.93 - $14.84 $ 15.3917%17,098
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Specialty Finance    NAICS: 522291    SIC: 6153
Compare:NSE:LICHSGFIN, NSE:PNBHOUSING, NYSE:ESNT, HKSE:03360, OTCPK:FNMA, BOM:511288, NAS:TREE, BOM:535789, BOM:511072, NYSE:HTH, NYSE:NSM, OTCPK:FMCC, XKLS:1171, NYSE:WD, LSE:PAG, HKSE:00056, TSX:FN, NYSE:TRTX, NYSE:KREF, BOM:511196 » details
Traded in other countries:77S.Germany,
Headquarter Location:USA
Santander Consumer USA Holdings Inc is a consumer finance company. Its core business is the indirect origination of retail installment contracts, through manufacturer-franchised dealers with their sale of new and used vehicles to retail consumer.

Santander Consumer USA Holdings Inc is a US-based consumer finance company focused on vehicle finance and third-party servicing. Its core business is the indirect origination of retail installment contracts, principally through manufacturer-franchised dealers in connection with their sale of new and used vehicles to retail consumers. The company operates its business in one reportable segment i.e. Consumer Finance which 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 marine vehicles. It also includes personal loan and point-of-sale financing operations. The company's revenue consists of lease payment received, installments and other income.

Ratios

vs
industry
vs
history
PE Ratio 8.07
SC's PE Ratio is ranked higher than
82% of the 1528 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.62 vs. SC: 8.07 )
Ranked among companies with meaningful PE Ratio only.
SC' s PE Ratio Range Over the Past 10 Years
Min: 4.18  Med: 7.45 Max: 15.67
Current: 8.07
4.18
15.67
Forward PE Ratio 7.69
SC's Forward PE Ratio is ranked higher than
95% of the 372 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.77 vs. SC: 7.69 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 8.07
SC's PE Ratio without NRI is ranked higher than
82% of the 1531 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.75 vs. SC: 8.07 )
Ranked among companies with meaningful PE Ratio without NRI only.
SC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.18  Med: 7.45 Max: 15.67
Current: 8.07
4.18
15.67
PB Ratio 1.00
SC's PB Ratio is ranked higher than
65% of the 1636 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. SC: 1.00 )
Ranked among companies with meaningful PB Ratio only.
SC' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.28 Max: 2.93
Current: 1
0.71
2.93
PS Ratio 1.24
SC's PS Ratio is ranked higher than
90% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.44 vs. SC: 1.24 )
Ranked among companies with meaningful PS Ratio only.
SC' s PS Ratio Range Over the Past 10 Years
Min: 0.64  Med: 1.18 Max: 2.09
Current: 1.24
0.64
2.09
Price-to-Free-Cash-Flow 127.22
SC's Price-to-Free-Cash-Flow is ranked lower than
98% of the 890 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.78 vs. SC: 127.22 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 93.8  Med: 108.97 Max: 129.59
Current: 127.22
93.8
129.59
Price-to-Operating-Cash-Flow 1.06
SC's Price-to-Operating-Cash-Flow is ranked higher than
93% of the 957 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.35 vs. SC: 1.06 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.76  Med: 1.45 Max: 3.7
Current: 1.06
0.76
3.7
EV-to-EBIT 38.27
SC's EV-to-EBIT is ranked lower than
90% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.71 vs. SC: 38.27 )
Ranked among companies with meaningful EV-to-EBIT only.
SC' s EV-to-EBIT Range Over the Past 10 Years
Min: 24.2  Med: 30.6 Max: 38.3
Current: 38.27
24.2
38.3
EV-to-EBITDA 16.81
SC's EV-to-EBITDA is ranked lower than
66% of the 1254 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.38 vs. SC: 16.81 )
Ranked among companies with meaningful EV-to-EBITDA only.
SC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.9  Med: 17.4 Max: 25.1
Current: 16.81
15.9
25.1
EV-to-Revenue 8.07
SC's EV-to-Revenue is ranked lower than
82% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.22 vs. SC: 8.07 )
Ranked among companies with meaningful EV-to-Revenue only.
SC' s EV-to-Revenue Range Over the Past 10 Years
Min: 6.6  Med: 7.5 Max: 8.3
Current: 8.07
6.6
8.3
PEG Ratio 1.90
SC's PEG Ratio is ranked lower than
58% of the 831 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.52 vs. SC: 1.90 )
Ranked among companies with meaningful PEG Ratio only.
SC' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.98
Current: 1.9
0
1.98

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 2.03
SC's 5-Year Yield-on-Cost % is ranked lower than
73% of the 2723 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.29 vs. SC: 2.03 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.03
3-Year Average Share Buyback Ratio -1.20
SC's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1129 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.20 vs. SC: -1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.4  Med: -1.15 Max: 0
Current: -1.2
-12.4
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.99
SC's Price-to-Tangible-Book is ranked higher than
66% of the 1630 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. SC: 0.99 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.78  Med: 1.52 Max: 3.02
Current: 0.99
0.78
3.02
Price-to-Median-PS-Value 1.02
SC's Price-to-Median-PS-Value is ranked higher than
60% of the 1469 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.16 vs. SC: 1.02 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1.06 Max: 1.76
Current: 1.02
0.63
1.76
Price-to-Graham-Number 0.60
SC's Price-to-Graham-Number is ranked higher than
77% of the 1429 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.95 vs. SC: 0.60 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 0.7 Max: 1.44
Current: 0.6
0.42
1.44
Earnings Yield (Greenblatt) % 2.61
SC's Earnings Yield (Greenblatt) % is ranked lower than
68% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.51 vs. SC: 2.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.6  Med: 3.3 Max: 4.1
Current: 2.61
2.6
4.1

More Statistics

Revenue (TTM) (Mil) $4,583.30
EPS (TTM) $ 1.90
Beta1.49
Short Percentage of Float5.12%
52-Week Range $10.76 - 15.87
Shares Outstanding (Mil)359.55

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 3,356 3,495 4,904
EPS ($) 1.76 2.00 2.29
EPS without NRI ($) 1.76 2.00 2.29
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.03 0.50 0.90

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

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