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Santander Consumer USA Holdings

NYSE:SC
Snowflake Description

Average dividend payer and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SC
NYSE
$7B
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. The last earnings update was 20 days ago. More info.


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SC Share Price and Events
7 Day Returns
2.2%
NYSE:SC
4%
US Consumer Finance
2.9%
US Market
1 Year Returns
25.8%
NYSE:SC
-0.3%
US Consumer Finance
1.4%
US Market
SC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Santander Consumer USA Holdings (SC) 2.2% 3.3% 22.7% 25.8% 125.4% -8.4%
US Consumer Finance 4% 3.9% 13% -0.3% 51% 21.1%
US Market 2.9% 2.5% 10% 1.4% 38.3% 42%
1 Year Return vs Industry and Market
  • SC outperformed the Consumer Finance industry which returned -0.3% over the past year.
  • SC outperformed the Market in United States of America which returned 1.4% over the past year.
Price Volatility
SC
Industry
5yr Volatility vs Market

SC Value

 Is Santander Consumer USA Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Santander Consumer USA Holdings to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data    Our intrinsic value calculation method has changed recently, learn more here.

Below are the data sources, inputs and calculation used to determine the intrinsic value for Santander Consumer USA Holdings.

NYSE:SC Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 10 analysts.
= Stable Book Value * Return on Equity
= $22.09 * 13.1%
$2.89
Book Value of Equity per Share Weighted future Book Value estimates from 11 analysts. $22.09
Discount Rate (Cost of Equity) See below 14.7%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:SC
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.68
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.684 (1 + (1- 21%) (468.38%))
2.483
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (2 * 5.96%)
14.65%

Discounted Cash Flow Calculation for NYSE:SC using Excess Returns Model Model

The calculations below outline how an intrinsic value for Santander Consumer USA Holdings is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NYSE:SC Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (13.1% – 14.65%) * $22.09)
$-0.35
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.35 / (14.65% - 2.73%)
$-2.93
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $22.09 + $-2.93
$19.16
NYSE:SC Discount to Share Price
Calculation Result
Value per share (USD) From above. $19.16
Current discount Discount to share price of $21.28
= -1 x ($21.28 - $19.16) / $19.16
-11.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Santander Consumer USA Holdings is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Santander Consumer USA Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Santander Consumer USA Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:SC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $2.55
NYSE:SC Share Price ** NYSE (2019-03-15) in USD $21.28
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.36x
United States of America Market PE Ratio Median Figure of 3,054 Publicly-Listed Companies 17.61x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Santander Consumer USA Holdings.

NYSE:SC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:SC Share Price ÷ EPS (both in USD)

= 21.28 ÷ 2.55

8.36x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Santander Consumer USA Holdings is good value based on earnings compared to the US Consumer Finance industry average.
  • Santander Consumer USA Holdings is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Santander Consumer USA Holdings's expected growth come at a high price?
Raw Data
NYSE:SC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 8.36x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 15 Analysts
3.2%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 24 Publicly-Listed Consumer Finance Companies 0.59x
United States of America Market PEG Ratio Median Figure of 2,109 Publicly-Listed Companies 1.47x

*Line of best fit is calculated by linear regression .

NYSE:SC PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 8.36x ÷ 3.2%

2.63x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Santander Consumer USA Holdings is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Santander Consumer USA Holdings's assets?
Raw Data
NYSE:SC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $19.92
NYSE:SC Share Price * NYSE (2019-03-15) in USD $21.28
United States of America Consumer Finance Industry PB Ratio Median Figure of 41 Publicly-Listed Consumer Finance Companies 1.47x
United States of America Market PB Ratio Median Figure of 5,152 Publicly-Listed Companies 1.87x
NYSE:SC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:SC Share Price ÷ Book Value per Share (both in USD)

= 21.28 ÷ 19.92

1.07x

* Primary Listing of Santander Consumer USA Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Santander Consumer USA Holdings is good value based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess Santander Consumer USA Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Santander Consumer USA Holdings has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SC Future Performance

 How is Santander Consumer USA Holdings expected to perform in the next 1 to 3 years based on estimates from 15 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
3.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Santander Consumer USA Holdings expected to grow at an attractive rate?
  • Santander Consumer USA Holdings's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Santander Consumer USA Holdings's earnings growth is positive but not above the United States of America market average.
  • Santander Consumer USA Holdings's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:SC Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:SC Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 15 Analysts 3.2%
NYSE:SC Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 15 Analysts 11.7%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 3.7%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:SC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 15 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:SC Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 5,557 1,038 3
2020-12-31 4,990 963 11
2019-12-31 4,758 939 11
NYSE:SC Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 3,822 6,245 916
2018-09-30 3,786 5,142 1,404
2018-06-30 3,742 4,964 1,370
2018-03-31 3,563 4,138 1,286
2017-12-31 3,414 3,941 1,173
2017-09-30 3,306 5,507 657
2017-06-30 3,233 5,373 672
2017-03-31 3,275 5,280 702
2016-12-31 3,300 4,473 766
2016-09-30 3,078 3,902 686
2016-06-30 3,046 3,386 709
2016-03-31 3,090 3,331 790

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Santander Consumer USA Holdings's earnings are expected to grow by 3.2% yearly, however this is not considered high growth (20% yearly).
  • Santander Consumer USA Holdings's revenue is expected to grow by 11.7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:SC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 15 Analyst Estimates (S&P Global) See Below

All data from Santander Consumer USA Holdings Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:SC Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 3.38 3.55 3.20 2.00
2020-12-31 2.84 3.11 2.50 16.00
2019-12-31 2.66 2.85 2.32 16.00
NYSE:SC Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 2.55
2018-09-30 3.89
2018-06-30 3.80
2018-03-31 3.57
2017-12-31 3.26
2017-09-30 1.83
2017-06-30 1.87
2017-03-31 1.96
2016-12-31 2.14
2016-09-30 1.91
2016-06-30 1.98
2016-03-31 2.21

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Santander Consumer USA Holdings is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Santander Consumer USA Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Santander Consumer USA Holdings has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SC Past Performance

  How has Santander Consumer USA Holdings performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Santander Consumer USA Holdings's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Santander Consumer USA Holdings's year on year earnings growth rate has been positive over the past 5 years.
  • Santander Consumer USA Holdings's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Santander Consumer USA Holdings's 1-year earnings growth is negative, it can't be compared to the US Consumer Finance industry average.
Earnings and Revenue History
Santander Consumer USA Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Santander Consumer USA Holdings Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:SC Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 3,821.70 915.93 482.80
2018-09-30 3,786.18 1,403.84 543.02
2018-06-30 3,741.87 1,370.46 557.46
2018-03-31 3,562.99 1,286.48 566.76
2017-12-31 3,413.96 1,172.81 581.02
2017-09-30 3,305.53 656.63 525.31
2017-06-30 3,232.84 671.61 519.19
2017-03-31 3,275.16 701.59 514.64
2016-12-31 3,299.64 766.47 498.22
2016-09-30 3,078.40 685.64 479.70
2016-06-30 3,045.97 708.52 465.71
2016-03-31 3,090.49 789.89 453.34
2015-12-31 3,037.28 824.04 434.04
2015-09-30 3,235.52 996.32 543.68
2015-06-30 3,034.11 939.04 518.55
2015-03-31 2,757.01 830.29 381.26
2014-12-31 2,593.58 725.28 482.64
2014-09-30 2,447.27 711.99 352.43
2014-06-30 2,234.80 644.07 342.78
2014-03-31 1,977.98 570.03 444.42
2013-12-31 1,943.99 722.99 305.06
2013-09-30 1,748.53 702.72 277.63
2013-03-31 1,777.82 751.21 237.32
2012-12-31 1,747.71 715.00 225.16

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Santander Consumer USA Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Santander Consumer USA Holdings used its assets less efficiently than the US Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Santander Consumer USA Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Santander Consumer USA Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Santander Consumer USA Holdings has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SC Health

 How is Santander Consumer USA Holdings's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Santander Consumer USA Holdings's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Santander Consumer USA Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Santander Consumer USA Holdings's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Santander Consumer USA Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is not covered by short term assets, assets are 0.8x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Santander Consumer USA Holdings Company Filings, last reported 2 months ago.

NYSE:SC Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 7,018.36 35,021.02 483.12
2018-09-30 7,141.22 33,681.63 534.10
2018-06-30 7,045.73 32,128.74 802.94
2018-03-31 6,726.02 31,502.92 1,091.74
2017-12-31 6,465.70 31,328.37 901.19
2017-09-30 5,885.23 30,736.92 709.68
2017-06-30 5,678.73 31,775.78 564.13
2017-03-31 5,419.00 31,611.44 667.34
2016-12-31 5,238.62 31,431.68 359.16
2016-09-30 5,117.66 31,889.05 157.23
2016-06-30 4,876.71 31,998.15 172.56
2016-03-31 4,589.55 31,584.79 112.43
2015-12-31 4,432.55 30,470.16 95.25
2015-09-30 4,451.98 30,337.49 165.29
2015-06-30 4,245.45 30,664.67 60.43
2015-03-31 3,771.54 29,837.59 76.60
2014-12-31 3,526.22 27,928.24 108.84
2014-09-30 3,303.21 26,910.36 113.76
2014-06-30 3,102.26 26,231.92 93.08
2014-03-31 2,908.02 25,429.43 159.50
2013-12-31 2,686.83 23,335.68 40.41
2013-09-30 2,569.16 22,757.23 53.48
2013-03-31 2,578.57 16,591.13 4.02
2012-12-31 2,239.47 16,301.30 70.89
  • Santander Consumer USA Holdings's level of debt (499%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (868.6% vs 499% today).
  • Debt is not well covered by operating cash flow (17.8%, less than 20% of total debt).
  • Unable to confirm if the interest payments on Santander Consumer USA Holdings's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Santander Consumer USA Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Santander Consumer USA Holdings has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SC Dividends

 What is Santander Consumer USA Holdings's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.76%
Current annual income from Santander Consumer USA Holdings dividends. Estimated to be 4.11% next year.
If you bought $2,000 of Santander Consumer USA Holdings shares you are expected to receive $75 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Santander Consumer USA Holdings's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).
  • Santander Consumer USA Holdings's dividend is above the markets top 25% of dividend payers in United States of America (3.64%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:SC Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 15 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 13 Stocks 1.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2005 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:SC Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.84 2.00
2020-12-31 0.92 13.00
2019-12-31 0.84 13.00
NYSE:SC Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2018-10-31 0.800 4.183
2018-07-31 0.800 3.969
2018-07-25 0.800 4.092
2018-01-31 0.200 1.125
2017-11-02 0.120 0.677
2017-10-27 0.120 0.722
2017-08-02 0.120 0.840
2016-05-05 0.000 0.000
2016-04-27 0.000 0.000
2016-03-31 0.000 0.000
2016-01-27 0.000 0.000
2015-10-29 0.000 0.000
2015-08-10 0.000 0.000
2015-07-30 0.000 0.000
2015-04-29 0.000 0.000
2015-04-28 0.000 0.000
2015-03-02 0.000 0.000
2015-02-03 0.000 0.000
2014-11-04 0.000 0.000
2014-05-01 0.600 3.134
2014-03-06 0.000 0.000
2014-01-24 1.420 5.625
2014-01-23 1.420 5.750

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Santander Consumer USA Holdings has been paying a dividend for less than 10 years.
  • Santander Consumer USA Holdings has only been paying a dividend for 5 years, and since then dividends per share have fallen.
Current Payout to shareholders
What portion of Santander Consumer USA Holdings's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (5.1x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (3.8x coverage).
X
Income/ dividend checks
We assess Santander Consumer USA Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Santander Consumer USA Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Santander Consumer USA Holdings has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SC Management

 What is the CEO of Santander Consumer USA Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Scott Powell
COMPENSATION $620,198
AGE 56
TENURE AS CEO 1.6 years
CEO Bio

Mr. Scott E. Powell has been the Chief Executive Officer of United States at Banco Santander, S.A. since March 03, 2015 and serves as its Country Head. Mr. Powell is the Chief Executive Officer of Santander Consumer USA (SC). He was appointed Chief Executive Officer of Santander Consumer in August of 2017. He served as the Chief Executive Officer of Santander Bank, N. A. (the “Bank”) since July 30, 2015 until August 27, 2017. He has been the Chief Executive Officer and President of Santander Holdings USA, Inc. since March 2015. He is responsible for managing Santander’s business units in the United States, and he leads SC, which is Santander’s largest US subsidiary. He joined Santander in March 2015. He has more than three decades of experience working in retail banking, risk management and consumer and auto lending. He served as President at the Bank from July 30, 2015 to June 27, 2017. He served a variety of senior positions at JPMorgan Chase. He served as the Chief Executive Officer of Consumer banking and Retail Investments at JPMorgan Chase & Co. from January 23, 2007 to May 2010, Head of Consumer Lending businesses from March 2005 to December 2006 and also served as its Head of Consumer Banking. He served as Chief Risk Officer of Consumer at JPMorgan Chase & Co from 2004 to February 2005. He served as Head of Home Lending Default at JPMorgan Chase & Co from July 2011 to February 2012 and served as its Head of Banking and Consumer Lending Operations from June 2010 to June 2011. He was responsible for sub-prime mortgages and home equity and community-development loans at JP Morgan Chase. He served as the Head of Chase Auto and Student Finance and Head of Home Finance for JPMorgan Chase & Co. He served as a Co-Chief Executive Officer of Home-Loan Unit of JPMorgan Chase & Co. since January 2005. He served as the President of Retail Lending at Bank One Corporation from May 16, 2003 to June 2004. He served at Bank One Corp as the Chief Risk Officer for Retail and Credit Card from Citigroup Inc.'s global consumer group from February 2002 to April 2003. He served as the Chief Credit Officer of Home-Loan Unit at JP Morgan Chase & Co. He served for 14 years at Citigroup/Citibank in a variety of risk management roles. He served as an Executive Chairman of National Flood Services Inc. He has been a Director of Santander Consumer USA Holdings Inc. since September 14, 2016. Mr. Powell has been a Director of Santander Holdings USA, Inc. since March 2015. He serves as a Director of the Phipps Houses and The END Fund in New York City. Mr. Powell holds a B.A. from the University of Minnesota and an M.B.A. from the University of Maryland. He currently serves on the Board of Directors of The Financial Services Roundtable and is a Member of the Supervisory Board of The Clearing House.

CEO Compensation
  • Insufficient data for Scott to compare compensation growth.
  • Scott's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Santander Consumer USA Holdings management team in years:

1.5
Average Tenure
56
Average Age
  • The average tenure for the Santander Consumer USA Holdings management team is less than 2 years, this suggests a new team.
Management Team

Scott Powell

TITLE
President
COMPENSATION
$620K
AGE
56
TENURE
1.6 yrs

Juan Alvarez de Soto

TITLE
Chief Financial Officer
COMPENSATION
$338K
AGE
47
TENURE
1.5 yrs

Christopher Pfirrman

TITLE
Chief Legal Officer
COMPENSATION
$1M
AGE
58
TENURE
3.5 yrs

Rich Morrin

TITLE
President of Chrysler Capital & Auto Relationships
COMPENSATION
$2M
AGE
48
TENURE
1.5 yrs

Sandra Broderick

TITLE
Executive VP & Head of Operations
AGE
60
TENURE
1.4 yrs

Reza Leaali

TITLE
Chief Technology Officer
AGE
59
TENURE
1.1 yrs

Evan Black

TITLE
Head of Investor Relations

Matt Fitzgerald

TITLE
Executive Vice President of Sales and Marketing
TENURE
12.2 yrs

Mikenzie Sari

TITLE
Chief Human Resources Officer
TENURE
0.5 yrs

Joshua Baer

TITLE
Chief Risk Officer
AGE
43
TENURE
1 yrs
Board of Directors Tenure

Average tenure and age of the Santander Consumer USA Holdings board of directors in years:

3
Average Tenure
64
Average Age
  • The average tenure for the Santander Consumer USA Holdings board of directors is less than 3 years, this suggests a new board.
Board of Directors

Bill Rainer

TITLE
Chairman of the Board
COMPENSATION
$670K
AGE
72
TENURE
2.7 yrs

Scott Powell

TITLE
President
COMPENSATION
$620K
AGE
56
TENURE
2.5 yrs

Stephen Ferriss

TITLE
Vice Chairman of the Board
COMPENSATION
$262K
AGE
72

Gonzalo de Las Milla

TITLE
Honorary Chairman
AGE
78

Bob McCarthy

TITLE
Director
COMPENSATION
$260K
AGE
64
TENURE
3.7 yrs

Bill Muir

TITLE
Director
COMPENSATION
$241K
AGE
64
TENURE
2.3 yrs

Vik Hill

TITLE
Director
AGE
54
TENURE
3.7 yrs

Javier Maldonado Trinchant

TITLE
Director
AGE
56
TENURE
3.7 yrs

José Doncel Razola

TITLE
Director
AGE
57
TENURE
3.3 yrs

Ede Holiday

TITLE
Director
COMPENSATION
$193K
AGE
66
TENURE
2.3 yrs
Who owns this company?
Recent Insider Trading
  • Santander Consumer USA Holdings insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
05. Mar 19 Sell Richard Morrin Individual 01. Mar 19 01. Mar 19 -17,546 $20.65 $-362,360
01. Aug 18 Sell Lisa VanRoekel Individual 30. Jul 18 30. Jul 18 -8,819 $19.61 $-172,914
01. Aug 18 Sell Richard Morrin Individual 30. Jul 18 30. Jul 18 -26,096 $19.46 $-507,828
X
Management checks
We assess Santander Consumer USA Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Santander Consumer USA Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SC News

Simply Wall St News

Have Insiders Been Selling Santander Consumer USA Holdings Inc. (NYSE:SC) Shares This Year?

Unfortunately, there are also plenty of examples of share prices declining precipitously after insiders have sold shares. … Over the last year we saw more insider selling of Santander Consumer USA Holdings shares, than buying. … It is certainly not great to see that insiders have sold shares in the company

Simply Wall St -

Does Santander Consumer USA Holdings Inc's (NYSE:SC) PE Ratio Signal A Buying Opportunity?

Santander Consumer USA Holdings Inc (NYSE:SC) is trading with a trailing P/E of 5, which is lower than the industry average of 11.9. … While SC might seem like an attractive stock to buy, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions. … Check out our latest analysis for Santander Consumer USA Holdings

Simply Wall St -

Why Santander Consumer USA Holdings Inc (NYSE:SC) Is An Attractive Investment

I've been keeping an eye on Santander Consumer USA Holdings Inc (NYSE:SC) because I'm attracted to its fundamentals. … Looking at the company as a whole, as a potential stock investment, I believe SC has a lot to offer. … that has been a rockstar for income investors, currently trading at an attractive share price

Simply Wall St -

Only 2 Days Left Before Santander Consumer USA Holdings Inc (NYSE:SC) Will Start Trading Ex-Dividend, Should Investors Buy?

To qualify for the dividend check of US$0.20 per share, investors must have owned the shares prior to 03 August 2018, which is the last day the company's management will finalize their list of shareholders to which they will send dividend payments. … Investors looking for higher income-generating stocks to add to their portfolio should keep reading, as I examine Santander Consumer USA Holdings's latest financial data to analyse its dividend characteristics. … If you are a dividend investor, you should always assess these five key metrics:?

Simply Wall St -

Is It The Right Time To Buy Santander Consumer USA Holdings Inc (NYSE:SC)?

Santander Consumer USA Holdings Inc (NYSE:SC), a consumer finance company based in United States,. … As a mid-cap stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … Let’s examine Santander Consumer USA Holdings’s valuation and outlook in more detail to determine if there’s still a bargain opportunity

Simply Wall St -

Why You Should Not Buy Santander Consumer USA Holdings Inc (NYSE:SC) For Dividend

Over the past 4 years, Santander Consumer USA Holdings Inc (NYSE:SC) has returned an average of 1.00% per year to shareholders in terms of dividend yield. … Let's dig deeper into whether Santander Consumer USA Holdings should have a place in your portfolio. … Check out our latest analysis for Santander Consumer USA Holdings

Simply Wall St -

Is Santander Consumer USA Holdings Inc (NYSE:SC) A Buy At Its Current PE Ratio?

I am writing today to help inform people who are new to the stock market. … and want to begin learning the link between Santander Consumer USA Holdings Inc (NYSE:SC)’s fundamentals and stock market performance. … Santander Consumer USA Holdings Inc (NYSE:SC) is trading with a trailing P/E of 5.3x, which is lower than the industry average of 14.6x.

Simply Wall St -

Santander Consumer USA Holdings Inc (NYSE:SC): Should The Future Outlook Worry You?

The latest earnings update Santander Consumer USA Holdings Inc's (NYSE:SC) released in December 2017 showed that the company benefited from a large tailwind, leading to a high double-digit earnings growth of 54.95%. … Below, I've presented key growth figures on how market analysts perceive Santander Consumer USA Holdings's earnings growth trajectory over the next few years and whether the future looks even brighter than the past. … See our latest analysis for Santander Consumer USA Holdings Market analysts' prospects for next year seems pessimistic, with earnings declining by a double-digit -39.44%.

Simply Wall St -

How Does Santander Consumer USA Holdings Inc's (NYSE:SC) Earnings Growth Stack Up Against Industry Performance?

Measuring Santander Consumer USA Holdings Inc's (NYSE:SC) track record of past performance is a valuable exercise for investors. … See our latest analysis for Santander Consumer USA Holdings Commentary On SC's Past Performance I look at data from the most recent 12 months, which annualizes the most recent half-year data, or in some cases, the latest annual report is already the most recent financial year data. … For Santander Consumer USA Holdings, its most recent bottom-line (trailing twelve month) is $1,187.6M, which compared to last year’s figure, has increased by a substantial 54.95%.

Simply Wall St -

When Should You Buy Santander Consumer USA Holdings Inc (NYSE:SC)?

Santander Consumer USA Holdings Inc (NYSE:SC), a consumer finance company based in United States, saw a decent share price growth in the teens level on the NYSE over the last few months. … According to my valuation model, Santander Consumer USA Holdings seems to be fairly priced at around 12% below my intrinsic value, which means if you buy Santander Consumer USA Holdings today, you’d be paying a reasonable price for it. … Santander Consumer USA Holdings’s optimistic future growth appears to have been factored into the current share price, with shares trading around its fair value.

Simply Wall St -

SC Company Info

Description

Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. Its products and services include retail installment contracts and vehicle leases, as well as dealer loans for inventory, construction, real estate, working capital, and revolving lines of credit. The company also offers financial products and services related to recreational and marine vehicles; 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. In addition, it provides private-label credit cards and other consumer finance products, as well as point-of-sale financing. The company was founded in 1995 and is headquartered in Dallas, Texas. Santander Consumer USA Holdings Inc. is a subsidiary of Santander Holdings USA, Inc.

Details
Name: Santander Consumer USA Holdings Inc.
SC
Exchange: NYSE
Founded: 1995
$7,477,055,882
351,365,408
Website: http://www.santanderconsumerusa.com
Address: Santander Consumer USA Holdings Inc.
1601 Elm Street,
Suite 800,
Dallas,
Texas, 75201,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE SC Common Stock New York Stock Exchange US USD 23. Jan 2014
DB 77S Common Stock Deutsche Boerse AG DE EUR 23. Jan 2014
Number of employees
Current staff
Staff numbers
4,952
Santander Consumer USA Holdings employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/18 00:34
End of day share price update: 2019/03/15 00:00
Last estimates confirmation: 2019/03/15
Last earnings filing: 2019/02/26
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.