Santander Consumer USA Holdings Inc
NYSE:SC
Income Statement
Earnings Waterfall
Santander Consumer USA Holdings Inc
Revenue
|
7.7B
USD
|
Cost of Revenue
|
-2B
USD
|
Gross Profit
|
5.7B
USD
|
Operating Expenses
|
-1.7B
USD
|
Operating Income
|
4B
USD
|
Other Expenses
|
-937.1m
USD
|
Net Income
|
3.1B
USD
|
Income Statement
Santander Consumer USA Holdings Inc
Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | |||||||||||||||||||||||||||||||||||||
Revenue |
3 244
N/A
|
3 364
+4%
|
3 523
+5%
|
3 841
+9%
|
4 205
+9%
|
4 662
+11%
|
5 108
+10%
|
5 436
+6%
|
5 713
+5%
|
5 947
+4%
|
6 283
+6%
|
6 530
+4%
|
6 509
0%
|
6 625
+2%
|
6 557
-1%
|
6 506
-1%
|
6 623
+2%
|
6 612
0%
|
6 622
+0%
|
6 665
+1%
|
6 755
+1%
|
6 773
+0%
|
6 862
+1%
|
6 997
+2%
|
7 172
+3%
|
7 432
+4%
|
7 631
+3%
|
7 808
+2%
|
7 905
+1%
|
8 021
+1%
|
7 972
-1%
|
8 008
+0%
|
8 109
+1%
|
8 180
+1%
|
8 032
-2%
|
7 726
-4%
|
|
Gross Profit | |||||||||||||||||||||||||||||||||||||
Cost of Revenue |
(374)
|
(358)
|
(357)
|
(420)
|
(489)
|
(612)
|
(759)
|
(853)
|
(1 000)
|
(1 117)
|
(1 195)
|
(1 285)
|
(1 355)
|
(1 438)
|
(1 560)
|
(1 674)
|
(1 803)
|
(1 914)
|
(2 004)
|
(2 134)
|
(2 246)
|
(2 329)
|
(2 431)
|
(2 516)
|
(2 648)
|
(2 826)
|
(2 967)
|
(3 083)
|
(3 194)
|
(3 297)
|
(3 443)
|
(3 410)
|
(3 282)
|
(3 078)
|
(2 459)
|
(2 034)
|
|
Gross Profit |
2 870
N/A
|
3 005
+5%
|
3 165
+5%
|
3 421
+8%
|
3 715
+9%
|
4 050
+9%
|
4 349
+7%
|
4 583
+5%
|
4 713
+3%
|
4 830
+2%
|
5 088
+5%
|
5 244
+3%
|
5 154
-2%
|
5 187
+1%
|
4 997
-4%
|
4 833
-3%
|
4 820
0%
|
4 698
-3%
|
4 618
-2%
|
4 531
-2%
|
4 509
0%
|
4 445
-1%
|
4 431
0%
|
4 481
+1%
|
4 525
+1%
|
4 605
+2%
|
4 665
+1%
|
4 725
+1%
|
4 711
0%
|
4 724
+0%
|
4 530
-4%
|
4 598
+2%
|
4 826
+5%
|
5 102
+6%
|
5 572
+9%
|
5 692
+2%
|
|
Operating Income | |||||||||||||||||||||||||||||||||||||
Operating Expenses |
(1 682)
|
(1 784)
|
(1 880)
|
(2 312)
|
(2 610)
|
(3 163)
|
(3 353)
|
(3 487)
|
(3 592)
|
(3 567)
|
(3 645)
|
(3 707)
|
(3 865)
|
(3 934)
|
(3 879)
|
(3 784)
|
(3 660)
|
(3 645)
|
(3 655)
|
(3 594)
|
(3 705)
|
(3 559)
|
(3 444)
|
(3 476)
|
(3 332)
|
(3 379)
|
(3 407)
|
(3 449)
|
(3 357)
|
(3 713)
|
(4 129)
|
(3 849)
|
(3 617)
|
(2 910)
|
(1 860)
|
(1 670)
|
|
Selling, General & Administrative |
(362)
|
(369)
|
(384)
|
(416)
|
(453)
|
(604)
|
(637)
|
(662)
|
(684)
|
(593)
|
(620)
|
(655)
|
(676)
|
(710)
|
(735)
|
(764)
|
(792)
|
(806)
|
(809)
|
(806)
|
(857)
|
(846)
|
(835)
|
(816)
|
(753)
|
(758)
|
(769)
|
(786)
|
(787)
|
(779)
|
(737)
|
(706)
|
(727)
|
(735)
|
(780)
|
(799)
|
|
Other Operating Expenses |
(1 320)
|
(1 416)
|
(1 496)
|
(1 896)
|
(2 157)
|
(2 558)
|
(2 716)
|
(2 826)
|
(2 909)
|
(2 974)
|
(3 025)
|
(3 052)
|
(3 189)
|
(3 224)
|
(3 145)
|
(3 020)
|
(2 868)
|
(2 839)
|
(2 845)
|
(2 787)
|
(2 848)
|
(2 714)
|
(2 609)
|
(2 660)
|
(2 580)
|
(2 620)
|
(2 638)
|
(2 663)
|
(2 570)
|
(2 934)
|
(3 392)
|
(3 143)
|
(2 889)
|
(2 174)
|
(1 079)
|
(871)
|
|
Operating Income |
1 189
N/A
|
1 221
+3%
|
1 285
+5%
|
1 109
-14%
|
1 106
0%
|
887
-20%
|
996
+12%
|
1 096
+10%
|
1 121
+2%
|
1 263
+13%
|
1 442
+14%
|
1 538
+7%
|
1 290
-16%
|
1 253
-3%
|
1 118
-11%
|
1 049
-6%
|
1 161
+11%
|
1 053
-9%
|
964
-8%
|
938
-3%
|
804
-14%
|
885
+10%
|
986
+11%
|
1 005
+2%
|
1 192
+19%
|
1 227
+3%
|
1 258
+3%
|
1 276
+1%
|
1 354
+6%
|
1 011
-25%
|
401
-60%
|
749
+87%
|
1 210
+62%
|
2 192
+81%
|
3 713
+69%
|
4 022
+8%
|
|
Pre-Tax Income | |||||||||||||||||||||||||||||||||||||
Pre-Tax Income |
1 189
N/A
|
1 221
+3%
|
1 285
+5%
|
1 109
-14%
|
1 106
0%
|
887
-20%
|
996
+12%
|
1 096
+10%
|
1 121
+2%
|
1 263
+13%
|
1 442
+14%
|
1 538
+7%
|
1 290
-16%
|
1 253
-3%
|
1 118
-11%
|
1 049
-6%
|
1 161
+11%
|
1 053
-9%
|
964
-8%
|
938
-3%
|
804
-14%
|
885
+10%
|
986
+11%
|
1 005
+2%
|
1 192
+19%
|
1 227
+3%
|
1 258
+3%
|
1 276
+1%
|
1 354
+6%
|
1 011
-25%
|
401
-60%
|
749
+87%
|
1 210
+62%
|
2 192
+81%
|
3 713
+69%
|
4 022
+8%
|
|
Net Income | |||||||||||||||||||||||||||||||||||||
Tax Provision |
(454)
|
(454)
|
(480)
|
(404)
|
(397)
|
(330)
|
(364)
|
(397)
|
(396)
|
(433)
|
(503)
|
(541)
|
(466)
|
(463)
|
(409)
|
(363)
|
(394)
|
(352)
|
(281)
|
(269)
|
(281)
|
(261)
|
(292)
|
(278)
|
(276)
|
(308)
|
(306)
|
(323)
|
(360)
|
(268)
|
(123)
|
(213)
|
(299)
|
(536)
|
(901)
|
(937)
|
|
Income from Continuing Operations |
735
|
767
|
806
|
705
|
709
|
557
|
632
|
700
|
725
|
830
|
939
|
996
|
824
|
790
|
708
|
686
|
766
|
702
|
683
|
669
|
523
|
624
|
695
|
727
|
916
|
919
|
952
|
953
|
994
|
743
|
278
|
536
|
911
|
1 657
|
2 812
|
3 085
|
|
Income to Minority Interest |
(20)
|
(16)
|
(46)
|
(2)
|
2
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Net Income (Common) |
715
N/A
|
751
+5%
|
760
+1%
|
703
-8%
|
711
+1%
|
558
-22%
|
632
+13%
|
700
+11%
|
725
+4%
|
830
+14%
|
939
+13%
|
996
+6%
|
824
-17%
|
790
-4%
|
708
-10%
|
686
-3%
|
766
+12%
|
702
-8%
|
683
-3%
|
669
-2%
|
1 173
+75%
|
1 274
+9%
|
1 344
+6%
|
1 377
+2%
|
916
-33%
|
919
+0%
|
952
+4%
|
953
+0%
|
994
+4%
|
743
-25%
|
278
-63%
|
536
+93%
|
911
+70%
|
1 657
+82%
|
2 812
+70%
|
3 085
+10%
|
|
EPS (Diluted) |
2.06
N/A
|
2.17
+5%
|
2.2
+1%
|
2.03
-8%
|
2.05
+1%
|
1.56
-24%
|
1.77
+13%
|
1.97
+11%
|
2.04
+4%
|
2.35
+15%
|
2.61
+11%
|
2.77
+6%
|
2.3
-17%
|
2.2
-4%
|
1.97
-10%
|
1.9
-4%
|
2.14
+13%
|
1.95
-9%
|
1.9
-3%
|
1.86
-2%
|
3.26
+75%
|
3.52
+8%
|
3.71
+5%
|
3.81
+3%
|
2.56
-33%
|
2.61
+2%
|
2.71
+4%
|
2.75
+1%
|
2.92
+6%
|
2.22
-24%
|
0.87
-61%
|
1.73
+99%
|
2.97
+72%
|
5.41
+82%
|
9.18
+70%
|
10.07
+10%
|