Santander Consumer USA Holdings Inc (SC) Fundamental Analysis & Valuation

NYSE:SC

Current stock price

41.6
+0.01 (+0.02%)
At close:
41.65
+0.05 (+0.12%)
After Hours:

This SC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. SC Profitability Analysis

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 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 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 2016 2017 2018 2019 2020 20 40 60

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0

2. SC Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for SC has been reduced compared to 1 year ago.
  • SC has a worse debt/assets ratio than last year.
SC Yearly Shares OutstandingSC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 10B 20B 30B 40B

2.2 Solvency

  • SC has a Debt/Equity ratio of 4.84. This is a high value indicating a heavy dependency on external 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 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. SC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 491.76% over the past year.
  • SC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.27% yearly.
  • The Revenue has decreased by -3.52% in the past year.
  • Measured over the past years, SC shows a small growth in Revenue. The Revenue has been growing by 4.49% on average per year.
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.
  • Based on estimates for the next years, SC will show a small growth in Revenue. The Revenue will grow by 4.04% on average per year.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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4

4. SC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 4.14, the valuation of SC can be described as very cheap.
  • The average S&P500 Price/Earnings ratio is at 27.47. SC is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.24, the valuation of SC can be described as reasonable.
  • SC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.62.
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

  • The 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. SC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.12%, SC has a reasonable but not impressive dividend return.
  • SC's Dividend Yield is comparable with the S&P500 average which is at 1.81.
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 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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SC Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)02-15
Inst Owners0%
Inst Owner Change0%
Ins Owners80.73%
Ins Owner Change0%
Market Cap12.73B
Revenue(TTM)7.73B
Net Income(TTM)3.08B
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
Graham Number0 (-100%)
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
ROICexgc growth 3Y0%
ROICexgc 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

Santander Consumer USA Holdings Inc / SC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of Santander Consumer USA Holdings Inc (SC) stock?

ChartMill assigns a fundamental rating of 5 / 10 to SC.


Can you provide the valuation status for Santander Consumer USA Holdings Inc?

ChartMill assigns a valuation rating of 7 / 10 to Santander Consumer USA Holdings Inc (SC). This can be considered as Undervalued.


What is the profitability of SC stock?

Santander Consumer USA Holdings Inc (SC) has a profitability rating of 8 / 10.


What are the PE and PB ratios of Santander Consumer USA Holdings Inc (SC) stock?

The Price/Earnings (PE) ratio for Santander Consumer USA Holdings Inc (SC) is 4.14 and the Price/Book (PB) ratio is 1.61.


What is the financial health of Santander Consumer USA Holdings Inc (SC) stock?

The financial health rating of Santander Consumer USA Holdings Inc (SC) is 2 / 10.