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Santander Consumer USA Holdings Inc (SC) Stock Fundamental Analysis

NYSE:SC - New York Stock Exchange, Inc. - Common Stock

41.6  +0.01 (+0.02%)

After market: 41.65 +0.05 (+0.12%)

Fundamental Rating

2

Taking everything into account, SC scores 2 out of 10 in our fundamental rating. SC was compared to 53 industry peers in the Consumer Finance industry. SC has a bad profitability rating. Also its financial health evaluation is rather negative. SC has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year SC was profitable.
SC Yearly Net Income VS EBIT VS OCF VS FCFSC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 0 2B -2B 4B 6B

1.2 Ratios

Industry RankSector Rank
ROA 6.29%
ROE 38.89%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SC Yearly ROA, ROE, ROICSC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 5 10 15

1.3 Margins

Industry RankSector Rank
OM 52.05%
PM (TTM) 39.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
SC Yearly Profit, Operating, Gross MarginsSC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 20 40 60

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2. Health

2.1 Basic Checks

Compared to 1 year ago, SC has less shares outstanding
Compared to 1 year ago, SC has a worse debt to assets ratio.
SC Yearly Shares OutstandingSC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 100M 200M 300M
SC Yearly Total Debt VS Total AssetsSC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 10B 20B 30B 40B

2.2 Solvency

A Debt/Equity ratio of 4.84 is on the high side and indicates that SC has dependencies on debt financing.
Industry RankSector Rank
Debt/Equity 4.84
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
SC Yearly LT Debt VS Equity VS FCFSC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 0 10B 20B 30B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 491.76% over the past year.
The Earnings Per Share has been growing slightly by 4.27% on average over the past years.
SC shows a decrease in Revenue. In the last year, the revenue decreased by -3.52%.
SC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.49% yearly.
EPS 1Y (TTM)491.76%
EPS 3Y16.26%
EPS 5Y4.27%
EPS Q2Q%57.59%
Revenue 1Y (TTM)-3.52%
Revenue growth 3Y6.28%
Revenue growth 5Y4.49%
Sales Q2Q%-14.85%

3.2 Future

SC is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -11.09% yearly.
The Revenue is expected to grow by 4.04% on average over the next years.
EPS Next Y258.52%
EPS Next 2Y30.36%
EPS Next 3Y11.38%
EPS Next 5Y-11.09%
Revenue Next Year-3.46%
Revenue Next 2Y-1.83%
Revenue Next 3Y3.18%
Revenue Next 5Y4.04%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
SC Yearly Revenue VS EstimatesSC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
SC Yearly EPS VS EstimatesSC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 4.14, the valuation of SC can be described as very cheap.
When comparing the Price/Earnings ratio of SC to the average of the S&P500 Index (29.75), we can say SC is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.24, the valuation of SC can be described as very reasonable.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.44, SC is valued rather cheaply.
Industry RankSector Rank
PE 4.14
Fwd PE 8.24
SC Price Earnings VS Forward Price EarningsSC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.51
SC Per share dataSC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

SC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.02
PEG (5Y)0.97
EPS Next 2Y30.36%
EPS Next 3Y11.38%

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4

5. Dividend

5.1 Amount

SC has a Yearly Dividend Yield of 2.12%. Purely for dividend investing, there may be better candidates out there.
SC's Dividend Yield is comparable with the S&P500 average which is at 2.30.
Industry RankSector Rank
Dividend Yield 2.12%

5.2 History

On average, the dividend of SC grows each year by 180.20%, which is quite nice.
SC has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)180.2%
Div Incr YearsN/A
Div Non Decr YearsN/A
SC Yearly Dividends per shareSC Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 0.2 0.4 0.6 0.8 1

5.3 Sustainability

SC pays out 8.73% of its income as dividend. This is a sustainable payout ratio.
DP8.73%
EPS Next 2Y30.36%
EPS Next 3Y11.38%
SC Yearly Income VS Free CF VS DividendSC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 0 1B -1B -2B -3B
SC Dividend Payout.SC Dividend Payout, showing the Payout Ratio.SC Dividend Payout.PayoutRetained Earnings

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Santander Consumer USA Holdings Inc

NYSE:SC (1/28/2022, 8:00:00 PM)

After market: 41.65 +0.05 (+0.12%)

41.6

+0.01 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)02-15 2022-02-15/bmo
Inst Owners0%
Inst Owner Change0%
Ins Owners80.73%
Ins Owner Change0%
Market Cap12.73B
Analysts70.48
Price Target41.61 (0.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend0.66
Dividend Growth(5Y)180.2%
DP8.73%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 4.14
Fwd PE 8.24
P/S 1.65
P/FCF N/A
P/OCF N/A
P/B 1.61
P/tB N/A
EV/EBITDA 8.51
EPS(TTM)10.06
EY24.18%
EPS(NY)5.05
Fwd EY12.13%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS25.24
BVpS25.91
TBVpSN/A
PEG (NY)0.02
PEG (5Y)0.97
Profitability
Industry RankSector Rank
ROA 6.29%
ROE 38.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 52.05%
PM (TTM) 39.93%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 4.84
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)491.76%
EPS 3Y16.26%
EPS 5Y4.27%
EPS Q2Q%57.59%
EPS Next Y258.52%
EPS Next 2Y30.36%
EPS Next 3Y11.38%
EPS Next 5Y-11.09%
Revenue 1Y (TTM)-3.52%
Revenue growth 3Y6.28%
Revenue growth 5Y4.49%
Sales Q2Q%-14.85%
Revenue Next Year-3.46%
Revenue Next 2Y-1.83%
Revenue Next 3Y3.18%
Revenue Next 5Y4.04%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A