Santander Consumer USA Holdings Inc
NYSE:SC
Intrinsic Value
Santander Consumer USA Holdings, Inc. engages in the provision of consumer financing services. [ Read More ]
There is not enough data to reliably calculate the intrinsic value of SC.
Santander Consumer USA Holdings Inc's market capitalization is 12.7B USD.
SC stock price is 41.6 USD.
SC.
SC. Open DCF Valuation
SC. Open Relative Valuation
SC.
SC's Revenue has dropped by 4% over the past 12 months.
SC's ROIC (Return on Invested Capital) has increased in the last 3 years from 4% to 6%.
SC's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 6%.
SC's long-term assets (49B USD) exceed its long-term liabilties (41B USD).
SC has positive Net Income for the last twelve months.
SC has positive Operating Income for the last twelve months.
SC has positive three-year average ROE (Return on Equity): 19%. The company is efficient at transforming stockholders' equity into net income.
SC has a very low three-year average ROIC (Return on Invested Capital): 3%. The company is not efficient at using invested capital to generate operating income.
SC's ROE (Return on Equity) has significantly increased in the last 3 years from 29% to 47%.
SC's ROE (Return on Equity) for the past 12 months is very high and is equal to 47%.
SC has positive Gross Profit for the last twelve months.
SC has negative Free Cash Flow for the last twelve months.
SC has positive Net Debt. This means that the company has more debt (38B USD) than cash and short-term investments (2B USD).
SC's Altman Z-Score is very low and is equal to 0.78.
SC's D/E (Debt to Equity) is very high and is equal to 4.84.
SC generates enough operating income (4B USD) to cover interest payments on its debt (1B USD).
Fundamental Analysis
Santander Consumer USA Holdings Inc
Balance Sheet Decomposition
Santander Consumer USA Holdings Inc
| Non-Current Assets | 49.1B |
| PP&E | 15.7B |
| Intangibles | 75.2m |
| Other Non-Current Assets | 33.3B |
| Non-Current Liabilities | 41.1B |
| Long-Term Debt | 38.4B |
| Other Non-Current Liabilities | 2.7B |
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
|
Free Cash Flow Analysis
Santander Consumer USA Holdings Inc
What is Free Cash Flow?
SC Profitability Score
Profitability Due Diligence
Santander Consumer USA Holdings Inc's profitability score is 54/100. The higher the profitability score, the more profitable the company is.
Score
Santander Consumer USA Holdings Inc's profitability score is 54/100. The higher the profitability score, the more profitable the company is.
SC Solvency Score
Solvency Due Diligence
Santander Consumer USA Holdings Inc's solvency score is 22/100. The higher the solvency score, the more solvent the company is.
Score
Santander Consumer USA Holdings Inc's solvency score is 22/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
SC Price Targets Summary
Santander Consumer USA Holdings Inc
Ownership
SC Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
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| 6 Months |
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| 9 Months |
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| 12 Months |
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Shareholder Return
SC Price
Santander Consumer USA Holdings Inc
| Average Annual Return | 1.42% |
| Standard Deviation of Annual Returns | 10.78% |
| Max Drawdown | -63% |
| Market Capitalization | 12.7B USD |
| Shares Outstanding | 306 111 008 |
| Percentage of Shares Shorted | 2.23% |
Company Profile
Santander Consumer USA Holdings Inc
Country
Industry
Market Cap
Dividend Yield
Description
Santander Consumer USA Holdings, Inc. engages in the provision of consumer financing services. The company is headquartered in Dallas, Texas and currently employs 5,576 full-time employees. The company went IPO on 2014-01-23. The firm operates through one reportable segment, Consumer Finance, which includes the Company’s vehicle financial products and services, including retail installment contracts, vehicle leases, and financial products and services related to recreational vehicles and marine vehicles. The Company’s primary business is the indirect origination and servicing of retail installment contracts and leases, principally, through manufacturer-franchised dealers in connection with their sale of new and used vehicles to retail consumers. The firm also originates vehicle loans through a Web-based direct lending program, and purchases vehicle retail installment contracts from other lenders.
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