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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.01
SC's Cash-to-Debt is ranked lower than
100% of the 1592 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.23 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: N/A
Current: 0.01
Equity-to-Asset 0.14
SC's Equity-to-Asset is ranked higher than
78% of the 1591 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
Interest Coverage 0.55
SC's Interest Coverage is ranked lower than
77% of the 1515 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.69 vs. SC: 0.55 )
Ranked among companies with meaningful Interest Coverage only.
SC' s Interest Coverage Range Over the Past 10 Years
Min: 0.55  Med: 2.26 Max: 3.18
Current: 0.55
0.55
3.18
Beneish M-Score: -3.46
WACC vs ROIC
4.59%
1.92%
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 : 6/10

vs
industry
vs
history
Operating Margin % 22.63
SC's Operating Margin % is ranked lower than
66% of the 1606 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.37 vs. SC: 22.63 )
Ranked among companies with meaningful Operating Margin % only.
SC' s Operating Margin % Range Over the Past 10 Years
Min: 22.63  Med: 35.03 Max: 47.64
Current: 22.63
22.63
47.64
Net Margin % 15.08
SC's Net Margin % is ranked lower than
71% of the 1605 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.70 vs. SC: 15.08 )
Ranked among companies with meaningful Net Margin % only.
SC' s Net Margin % Range Over the Past 10 Years
Min: 15.08  Med: 19.41 Max: 29.23
Current: 15.08
15.08
29.23
ROE % 13.90
SC's ROE % is ranked higher than
84% of the 1603 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.58 vs. SC: 13.90 )
Ranked among companies with meaningful ROE % only.
SC' s ROE % Range Over the Past 10 Years
Min: 13.9  Med: 26.47 Max: 69.31
Current: 13.9
13.9
69.31
ROA % 1.82
SC's ROA % is ranked higher than
86% of the 1612 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. SC: 1.82 )
Ranked among companies with meaningful ROA % only.
SC' s ROA % Range Over the Past 10 Years
Min: 1.82  Med: 2.84 Max: 7.92
Current: 1.82
1.82
7.92
3-Year Revenue Growth Rate 7.30
SC's 3-Year Revenue Growth Rate is ranked higher than
65% of the 1354 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
72% of the 1256 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.40 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
66% of the 1226 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 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 4 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


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

» Details

Guru Trades

Q2 2016

SC Guru Trades in Q2 2016

Steven Cohen 239,900 sh (New)
Andreas Halvorsen 1,054,384 sh (New)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
HOTCHKIS & WILEY 3,991,017 sh (-3.55%)
Jeremy Grantham 49,100 sh (-7.18%)
Joel Greenblatt 22,005 sh (-12.30%)
» More
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
» 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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Business Description

Industry: Banks » Specialty Finance    NAICS: 522291    SIC: 6153
Compare:NYSE:ESNT, OTCPK:FNMA, NYSE:HTH, NAS:TREE, NYSE:NSM, OTCPK:FMCC, NYSE:WD, NYSE:KREF, OTCPK:FNLIF, NYSE:HTGC, NYSE:GSBD, NYSE:PHH, OTCPK:EQGPF, NYSE:EFC, OTCPK:HMCBF, NYSE:PFSI, NAS:ATAX, NYSE:AI, NYSE:OCN, AMEX:IMH » details
Traded in other countries:77S.Germany,
Headquarter Location:USA
Santander Consumer USA Holdings Inc is engaged in indirect origination and securitization of retail installment contracts principally through manufacturer-franchised dealers in connection with their sale of used and new vehicles to retail consumers.

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.

Ratios

vs
industry
vs
history
PE Ratio 6.10
SC's PE Ratio is ranked higher than
90% of the 1510 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.59 vs. SC: 6.10 )
Ranked among companies with meaningful PE Ratio only.
SC' s PE Ratio Range Over the Past 10 Years
Min: 4.18  Med: 7.55 Max: 15.67
Current: 6.1
4.18
15.67
Forward PE Ratio 5.86
SC's Forward PE Ratio is ranked higher than
95% of the 839 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.93 vs. SC: 5.86 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 6.10
SC's PE Ratio without NRI is ranked higher than
89% of the 1477 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.63 vs. SC: 6.10 )
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: 7.55 Max: 15.67
Current: 6.1
4.18
15.67
PB Ratio 0.77
SC's PB Ratio is ranked higher than
67% of the 1611 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.20 vs. SC: 0.77 )
Ranked among companies with meaningful PB Ratio only.
SC' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.73 Max: 2.93
Current: 0.77
0.71
2.93
PS Ratio 0.90
SC's PS Ratio is ranked higher than
92% of the 1586 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.40 vs. SC: 0.90 )
Ranked among companies with meaningful PS Ratio only.
SC' s PS Ratio Range Over the Past 10 Years
Min: 0.64  Med: 1.35 Max: 2.09
Current: 0.9
0.64
2.09
Price-to-Operating-Cash-Flow 0.79
SC's Price-to-Operating-Cash-Flow is ranked higher than
92% of the 940 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.82 vs. SC: 0.79 )
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: 0.77  Med: 1.7 Max: 3.7
Current: 0.79
0.77
3.7
EV-to-EBIT 33.51
SC's EV-to-EBIT is ranked lower than
87% of the 1668 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.52 vs. SC: 33.51 )
Ranked among companies with meaningful EV-to-EBIT only.
SC' s EV-to-EBIT Range Over the Past 10 Years
Min: 24.2  Med: 29.4 Max: 35.1
Current: 33.51
24.2
35.1
EV-to-EBITDA 15.89
SC's EV-to-EBITDA is ranked lower than
66% of the 1685 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.29 vs. SC: 15.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
SC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 15.82  Med: 17.5 Max: 25.1
Current: 15.89
15.82
25.1
PEG Ratio 1.40
SC's PEG Ratio is ranked lower than
52% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.43 vs. SC: 1.40 )
Ranked among companies with meaningful PEG Ratio only.
SC' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.62
Current: 1.4
0
1.62

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 2.03
SC's 5-Year Yield-on-Cost % is ranked lower than
72% of the 2649 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.31 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
54% of the 1042 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.80 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 0.80
SC's Price-to-Tangible-Book is ranked higher than
68% of the 1576 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.27 vs. SC: 0.80 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.76  Med: 1.73 Max: 3.02
Current: 0.8
0.76
3.02
Price-to-Median-PS-Value 0.68
SC's Price-to-Median-PS-Value is ranked higher than
90% of the 1462 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.14 vs. SC: 0.68 )
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: 0.54  Med: 1.01 Max: 1.53
Current: 0.68
0.54
1.53
Price-to-Graham-Number 0.46
SC's Price-to-Graham-Number is ranked higher than
83% of the 1364 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.96 vs. SC: 0.46 )
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: 0.75 Max: 1.44
Current: 0.46
0.42
1.44
Earnings Yield (Greenblatt) % 3.00
SC's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 2207 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.95 vs. SC: 3.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.9  Med: 3.4 Max: 4.1
Current: 3
2.9
4.1

More Statistics

Revenue (TTM) (Mil) $4,654
EPS (TTM) $ 1.95
Beta1.37
Short Percentage of Float5.46%
52-Week Range $9.49 - 15.47
Shares Outstanding (Mil)359.42

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 3,412 3,601 4,915
EPS ($) 1.99 2.18 2.30
EPS without NRI ($) 1.99 2.18 2.30
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.20 0.70 1.00
» More Articles for SC

Headlines

Articles On GuruFocus.com
Santander Holdings USA Declares Quarterly Dividend On Preferred Stock Apr 19 2017 
Low P/E Stocks Gurus Are Buying Feb 01 2017 
DEADLINE ALERT: Hagens Berman Reminds Santander Consumer USA Holdings Inc. Investors of May 17, 2016 May 10 2016 
General Motors Among Undervalued and Low PE Stocks Apr 06 2016 
Julian Robertson Buys 8 New Stakes in 4th Quarter Mar 09 2016 
Low P/E Stocks With Wide Margin of Safety Mar 07 2016 
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 

More From Other Websites
Auto lender Santander checked income on just 8% of subprime loans bundled into bonds May 24 2017
Trouble Brews in Subprime Auto Loan Market May 22 2017
Auto Lender Santander Checked Income on Just 8% in Subprime ABS May 22 2017
Moody's: Reg AB II data may shed light on differing performance of US subprime auto ABS issuers May 17 2017
Edited Transcript of SC earnings conference call or presentation 26-Apr-17 1:00pm GMT Apr 27 2017
Santander Consumer (SC) Beats Q1 Earnings & Revenue Estimates Apr 26 2017
Santander Consumer beats 1Q profit forecasts Apr 26 2017
Santander Consumer USA Holdings Inc. Reports First Quarter 2017 Results Apr 26 2017
Will Santander Consumer (SC) Disappoint Yet Again in Q1? Apr 25 2017
Is Santander Consumer a Great Stock for Value Investors? Apr 25 2017
Santander Holdings USA Declares Quarterly Dividend On Preferred Stock Apr 19 2017
U.S. Supreme Court hesitant to expand debt collection abuse law Apr 18 2017
Analyst: Last year marked the top of the auto sector Apr 03 2017
Fund Manager From 'The Big Short' Warns On Subprime Auto Loan Concerns Apr 02 2017
Santander to pay $26M to settle sub-prime auto loan case Mar 30 2017
The 10 most overused words on LinkedIn and when spoiled kids learned about the real world Mar 29 2017
Santander Consumer settles with states over subprime auto charges Mar 29 2017
Santander to pay $25.9 million to resolve subprime auto loan probes Mar 29 2017
Lifshitz & Miller LLP Announces Investigation of Aratana Therapeutics, Inc., FXCM Inc., Innocoll... Mar 24 2017
Santander (SC) to Improve Compliance Program Per Fed's Order Mar 24 2017

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