Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States.
Reasonable growth potential second-rate dividend payer.
Share Price & News
How has Santander Consumer USA Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 77S has not had significant price volatility in the past 3 months.
7 Day Return
DE Consumer Finance
1 Year Return
DE Consumer Finance
Return vs Industry: 77S underperformed the German Consumer Finance industry which returned -25% over the past year.
Return vs Market: 77S underperformed the German Market which returned 8.8% over the past year.
Price Volatility Vs. Market
How volatile is Santander Consumer USA Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Santander Consumer USA Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 77S (€15.7) is trading above our estimate of fair value (€12.02)
Significantly Below Fair Value: 77S is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 77S is poor value based on its PE Ratio (23.3x) compared to the XE Consumer Finance industry average (6.7x).
PE vs Market: 77S is poor value based on its PE Ratio (23.3x) compared to the German market (21.6x).
Price to Earnings Growth Ratio
PEG Ratio: 77S is good value based on its PEG Ratio (0.2x)
Price to Book Ratio
PB vs Industry: 77S is overvalued based on its PB Ratio (1.2x) compared to the XE Consumer Finance industry average (0.9x).
How is Santander Consumer USA Holdings forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 77S's forecast earnings growth (100.1% per year) is above the savings rate (0.2%).
Earnings vs Market: 77S's earnings (100.1% per year) are forecast to grow faster than the German market (24.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: 77S's revenue (9.7% per year) is forecast to grow faster than the German market (5.9% per year).
High Growth Revenue: 77S's revenue (9.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 77S's Return on Equity is forecast to be low in 3 years time (13.6%).
How has Santander Consumer USA Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 77S has high quality earnings.
Growing Profit Margin: 77S's current net profit margins (7.5%) are lower than last year (23.4%).
Past Earnings Growth Analysis
Earnings Trend: 77S's earnings have grown by 0.5% per year over the past 5 years.
Accelerating Growth: 77S's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 77S had negative earnings growth (-70.8%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.1%).
Return on Equity
High ROE: 77S's Return on Equity (5.7%) is considered low.
How is Santander Consumer USA Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: 77S's short term assets ($30.3B) exceed its short term liabilities ($2.2B).
Long Term Liabilities: 77S's short term assets ($30.3B) do not cover its long term liabilities ($40.1B).
Debt to Equity History and Analysis
Debt Level: 77S's debt to equity ratio (832.4%) is considered high.
Reducing Debt: 77S's debt to equity ratio has increased from 721.4% to 832.4% over the past 5 years.
Debt Coverage: 77S's debt is not well covered by operating cash flow (9.5%).
Interest Coverage: Insufficient data to determine if 77S's interest payments on its debt are well covered by EBIT.
What is Santander Consumer USA Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 77S's dividend (4.55%) is higher than the bottom 25% of dividend payers in the German market (1.24%).
High Dividend: 77S's dividend (4.55%) is in the top 25% of dividend payers in the German market (3.77%)
Stability and Growth of Payments
Stable Dividend: 77S has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: 77S has only been paying a dividend for 7 years, and since then payments have fallen.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (106%), 77S's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 77S's dividends in 3 years are forecast to be well covered by earnings (45.3% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mahesh Aditya (57 yo)
Mr. Mahesh Aditya was named President and CEO of Santander Consumer USA Inc. in December 2019. He joined Santander Holdings USA, Inc. in March 2017 as US Chief Operating Officer and was named US Chief Risk ...
CEO Compensation Analysis
Compensation vs Market: Mahesh's total compensation ($USD1.43M) is below average for companies of similar size in the German market ($USD3.53M).
Compensation vs Earnings: Insufficient data to compare Mahesh's compensation with company performance.
|Chief Financial Officer||0.92yr||US$1.40m||0.012% |
|Executive VP & Head of Operations||2.83yrs||US$2.26m||0.014% |
|Chief Legal Officer||4.92yrs||US$1.37m||0.013% |
|Chief Risk Officer||2.42yrs||US$1.19m||0.0014% |
|Chief Technology Officer||2.5yrs||US$2.31m||0.0065% |
|Head of Investor Relations||no data||no data||no data|
|Executive Vice President of Sales and Marketing||13.58yrs||no data||no data|
|Chief Human Resources Officer||1.92yrs||no data||0.0018% |
|Executive VP and Head of Digital & Service for Others||1.42yrs||no data||0.0069% |
|Head of Chrysler Capital & Auto Relationships||1.08yrs||no data||0.0065% |
|Executive VP and Head of Decision Sciences & Model Development||0.42yr||no data||no data|
Experienced Management: 77S's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.
|Independent Director||3.75yrs||US$240.00k||0.0039% |
|Honorary Chairman||no data||no data||no data|
|Independent Director||3.75yrs||US$260.00k||0.0039% |
|Independent Director||5.08yrs||US$260.00k||0.0049% |
|Independent Vice Chairman of the Board||no data||US$280.00k||0.0053% |
|Independent Chairman of the Board||4.08yrs||US$670.00k||0.0043% |
|Independent Director||0.58yr||no data||0.00039% |
|Director||5.08yrs||no data||no data|
|Director||5.08yrs||no data||no data|
Experienced Board: 77S's board of directors are considered experienced (3.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 77S insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Santander Consumer USA Holdings Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Santander Consumer USA Holdings Inc.
- Ticker: 77S
- Exchange: DB
- Founded: 1995
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$6.108b
- Listing Market Cap: US$5.190b
- Shares outstanding: 315.68m
- Website: https://www.santanderconsumerusa.com
Number of Employees
- Santander Consumer USA Holdings Inc.
- 1601 Elm Street
- Suite 800
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SC||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Jan 2014|
|77S||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 2014|
Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. It offers vehicle financial products and services, inc ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/11 21:08|
|End of Day Share Price||2020/08/11 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.