Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. More Details
Solid track record and good value.
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 is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: SC's weekly volatility (5%) has been stable over the past year.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: SC exceeded the US Consumer Finance industry which returned 94.8% over the past year.
Return vs Market: SC exceeded the US Market which returned 35.9% over the past year.
Long-Term 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
4 months ago | Simply Wall StDid You Participate In Any Of Santander Consumer USA Holdings' (NYSE:SC) Fantastic 223% Return ?
5 months ago | Simply Wall StTrade Alert: The Chief Legal Officer Of Santander Consumer USA Holdings Inc. (NYSE:SC), Christopher Pfirrman, Has Sold Some Shares Recently
5 months ago | Simply Wall StSantander Consumer USA Holdings Inc. Just Recorded A 24% EPS Beat: Here's What Analysts Are Forecasting Next
Is Santander Consumer USA Holdings undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SC ($41.03) is trading below our estimate of fair value ($89.71)
Significantly Below Fair Value: SC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SC is good value based on its PE Ratio (4.5x) compared to the US Consumer Finance industry average (6.4x).
PE vs Market: SC is good value based on its PE Ratio (4.5x) compared to the US market (18.1x).
Price to Earnings Growth Ratio
PEG Ratio: SC's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: SC is overvalued based on its PB Ratio (1.7x) compared to the US Consumer Finance industry average (1.5x).
How is Santander Consumer USA Holdings forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SC's earnings are forecast to decline over the next 3 years (-45.8% per year).
Earnings vs Market: SC's earnings are forecast to decline over the next 3 years (-45.8% per year).
High Growth Earnings: SC's earnings are forecast to decline over the next 3 years.
Revenue vs Market: SC's revenue is expected to decline over the next 3 years (-2.7% per year).
High Growth Revenue: SC's revenue is forecast to decline over the next 3 years (-2.7% 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 (15.3%).
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 (43.1%) are higher than last year (7.5%).
Past Earnings Growth Analysis
Earnings Trend: SC's earnings have grown by 12.9% per year over the past 5 years.
Accelerating Growth: SC's earnings growth over the past year (911.5%) exceeds its 5-year average (12.9% per year).
Earnings vs Industry: SC earnings growth over the past year (911.5%) exceeded the Consumer Finance industry 109.4%.
Return on Equity
High ROE: Whilst SC's Return on Equity (38.89%) is high, this metric is skewed due to their high level of debt.
How is Santander Consumer USA Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: SC's short term assets ($31.0B) exceed its short term liabilities ($682.5M).
Long Term Liabilities: SC's short term assets ($31.0B) do not cover its long term liabilities ($40.3B).
Debt to Equity History and Analysis
Debt Level: SC's debt to equity ratio (527.5%) is considered high.
Reducing Debt: SC's debt to equity ratio has reduced from 655.8% to 527.5% over the past 5 years.
Debt Coverage: SC's debt is not well covered by operating cash flow (12.3%).
Interest Coverage: Insufficient data to determine if SC's interest payments on its debt are well covered by EBIT.
What is Santander Consumer USA Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: SC's dividend (2.14%) is higher than the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: SC's dividend (2.14%) is low compared to the top 25% of dividend payers in the US market (3.55%).
Stability and Growth of Payments
Stable Dividend: SC has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: SC's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (7.2%), SC's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SC's dividends in 3 years are forecast to be well covered by earnings (29.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mahesh Aditya (58 yo)
Mr. Mahesh Aditya was named President and CEO of Santander Consumer USA Holdings Inc. in December 2019. He joined Santander Holdings USA, Inc. in March 2017 as US Chief Operating Officer and was named US C...
CEO Compensation Analysis
Compensation vs Market: Mahesh's total compensation ($USD2.44M) is below average for companies of similar size in the US market ($USD11.20M).
Compensation vs Earnings: Mahesh's compensation has increased by more than 20% in the past year.
Experienced Management: SC's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
Experienced Board: SC's board of directors are considered experienced (4.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: SC insiders have bought more shares than they have sold 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$12.559b
- Shares outstanding: 306.08m
- Website: https://www.santanderconsumerusa.com
Number of Employees
- Santander Consumer USA Holdings Inc.
- 1601 Elm Street
- Suite 800
- United States
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||2021/08/01 22:19|
|End of Day Share Price||2021/07/30 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.