Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States.
Average dividend payer with moderate growth potential.
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: SC's share price has been volatile over the past 3 months.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: SC exceeded the US Consumer Finance industry which returned -26.1% over the past year.
Return vs Market: SC underperformed the US Market which returned 9.3% 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
2 days ago | Simply Wall StUpdate: Santander Consumer USA Holdings (NYSE:SC) Stock Gained 53% In The Last Three Years
4 weeks ago | Simply Wall StThe President of Santander Consumer USA Holdings Inc. (NYSE:SC), Mahesh Aditya, Just Bought A Few More Shares
1 month ago | Simply Wall StShould You Think About Buying Santander Consumer USA Holdings Inc. (NYSE:SC) Now?
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: SC ($17.91) is trading above our estimate of fair value ($12.1)
Significantly Below Fair Value: SC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SC is poor value based on its PE Ratio (8.3x) compared to the Consumer Finance industry average (5.6x).
PE vs Market: SC is good value based on its PE Ratio (8.3x) compared to the US market (15.7x).
Price to Earnings Growth Ratio
PEG Ratio: SC is good value based on its PEG Ratio (0.1x)
Price to Book Ratio
PB vs Industry: SC is overvalued based on its PB Ratio (1.1x) compared to the US 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 12 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SC's forecast earnings growth (63% per year) is above the savings rate (2.2%).
Earnings vs Market: SC's earnings (63% per year) are forecast to grow faster than the US market (22% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SC's revenue is expected to decline over the next 3 years (-0.6% per year).
High Growth Revenue: SC's revenue is forecast to decline over the next 3 years (-0.6% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SC's Return on Equity is forecast to be low in 3 years time (13.5%).
How has Santander Consumer USA Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SC has high quality earnings.
Growing Profit Margin: SC's current net profit margins (17.8%) are lower than last year (23.3%).
Past Earnings Growth Analysis
Earnings Trend: SC's earnings have grown by 4.7% per year over the past 5 years.
Accelerating Growth: SC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SC had negative earnings growth (-19.2%) over the past year, making it difficult to compare to the Consumer Finance industry average (-21.4%).
Return on Equity
High ROE: SC's Return on Equity (14.4%) is considered low.
How is Santander Consumer USA Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: SC's short term assets ($29.4B) exceed its short term liabilities ($3.0B).
Long Term Liabilities: SC's short term assets ($29.4B) do not cover its long term liabilities ($39.0B).
Debt to Equity History and Analysis
Debt Level: SC's debt to equity ratio (783.7%) is considered high.
Reducing Debt: SC's debt to equity ratio has reduced from 789.4% to 783.7% over the past 5 years.
Debt Coverage: SC's debt is not well covered by operating cash flow (13.5%).
Interest Coverage: Insufficient data to determine if SC's interest payments on its debt are well covered by EBIT.
What is Santander Consumer USA Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SC's dividend (4.91%) is higher than the bottom 25% of dividend payers in the US market (1.69%).
High Dividend: SC's dividend (4.91%) is in the top 25% of dividend payers in the US market (4.55%)
Stability and Growth of Payments
Stable Dividend: SC has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: SC has only been paying a dividend for 6 years, and since then payments have fallen.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (39.7%), SC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SC's dividends in 3 years are forecast to be well covered by earnings (42.2% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mahesh Aditya (56yo)
Mr. Mahesh Aditya was named President and CEO of Santander Consumer USA Inc. in December 2019. He joined Santander Holdings USA, Inc. in March 2017 as US Chief Operating Officer and was named US Chief Risk ...
CEO Compensation Analysis
Compensation vs Market: Mahesh's total compensation ($USD1.43M) is below average for companies of similar size in the US market ($USD7.32M).
Compensation vs Earnings: Insufficient data to compare Mahesh's compensation with company performance.
|Chief Financial Officer||0.75yr||US$1.40m||0.012% $693.6k|
|Executive VP & Head of Operations||2.67yrs||US$2.26m||0.014% $817.2k|
|Chief Legal Officer||4.75yrs||US$1.37m||0.013% $760.3k|
|Chief Risk Officer||2.25yrs||US$1.19m||0.0035% $200.1k|
|Chief Technology Officer||2.33yrs||US$2.31m||0.0064% $365.8k|
|Head of Investor Relations||no data||no data||no data|
|Executive Vice President of Sales and Marketing||13.42yrs||no data||no data|
|Chief Human Resources Officer||1.75yrs||no data||0.0017% $98.9k|
|Executive VP and Head of Digital & Service for Others||1.25yrs||no data||0.0068% $392.2k|
Experienced Management: SC's management team is considered experienced (2.3 years average tenure).
|Independent Director||3.58yrs||US$240.00k||0.0032% $181.7k|
|Honorary Chairman||no data||no data||no data|
|Independent Director||3.58yrs||US$260.00k||0.0032% $181.7k|
|Independent Director||4.92yrs||US$260.00k||0.0042% $240.4k|
|Independent Vice Chairman of the Board||no data||US$280.00k||0.0046% $262.3k|
|Independent Chairman of the Board||3.92yrs||US$670.00k||0.0042% $240.4k|
|Director||4.92yrs||no data||no data|
|Director||4.92yrs||no data||no data|
Experienced Board: SC'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: SC insiders have sold more shares than they have bought 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: SC
- Exchange: NYSE
- Founded: 1995
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$5.751b
- Shares outstanding: 321.12m
- 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, including 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 provides financial products and services related to recreational and marine vehicles; originates vehicle loans through RoadLoans.com, a web-based direct lending platform; purchases vehicle retail installment contracts from other lenders; and services automobile, and recreational and marine vehicle portfolios for other lenders. In addition, it originates private-label loans and leases; and offers other consumer finance products, and personal loans; 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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/06/02 04:39|
|End of Day Share Price||2020/06/01 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.