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New York Stock Exchange

Santander Consumer USA Holdings Inc · Financial Services · Credit Services

Earnings call summary →

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Highlights

Market Cap

$12.73B

PE Ratio

4.5246

EV to Ebitda

—

Earnings Yield

22.10%

Revenue (TTM)

$7.12B

Net Income (TTM)

$2.81B

Revenue (Annual YoY Growth)

6.85%

Revenue (Quarterly YoY Growth)

9.49%

Profit Margin

39.46%

Return on Equity

48.35%

Debt to Equity Ratio

5.2842

Dividend Yield

0.00%

All fundamentals

Core9 fields›

Market Cap$12.73B

Revenue TTM$7.12B

Shares Outstanding306.1M

Float60129458

Float Short2.28%

Days To Cover4.4575

Short Interest2767419.0

Insider Ownership0.57%

GARP1696

Growth Estimates13 fields›

Revenue Growth (Annual)6.85%

Revenue Growth (Quarterly YoY)9.49%

Operating Revenue Growth (Annual)0.068506

Operating Revenue Growth (Quarterly YoY)0.09493

3-Year Revenue Growth6.83%

5-Year Revenue Growth3.64%

EPS Growth (Annual)0.35%

3-Year EPS Growth Rate-4.16%

5-Year EPS Growth Rate4.44%

LT EPS Growth Estimates16.76%

CFO Growth (Annual)-27.48%

Dividend Growth (Annual)-21.43%

Dividend Growth (Quarterly YoY)0.00%

Operations19 fields›

Revenue TTM$7.12B

Operating Expenses TTM$2.32B

Profit Margin TTM39.46%

Profit Margin (Quarterly)59.61%

Net Income TTM$2.81B

EPS TTM9.15

EPS (Quarterly)3.45

EBIT Margin TTM66.95%

EBIT Margin (Quarterly)91.69%

CFO % of Revenue TTM59.50%

CFO % of Revenue (Quarterly)98.91%

CFO TTM$6.64B

Cash Margin66.18%

Capex % of Revenue TTM114.19%

Capital Expenditures$8.14B

FCF % of Revenue TTM-42.58%

FCF % of Revenue (Quarterly)-20.14%

FCF TTM$-1.50B

Fundamental Score7

Efficiency6 fields›

ROE48.35%

ROA5.86%

ROIC6.14%

CROCI-3.27%

Stock Comp % (Quarterly)0.13%

Stock Comp % TTM0.11%

Valuation16 fields›

P/E (TTM)4.5246

P/E Forward8.9415

P/E Ex-Cash3.4187

P/S Forward2.3645

PEG0.0084

PEG Forward0.1442

EV/Revenues (TTM)6.8911

EV/Revenues Forward9.0974

EV/CFO8.3161

EV/FCF (TTM)-24.4897

Price To Book1.6041

Price to Tangible Book1.6349

Earnings Yield22.10%

Dividend Yield0.00%

Payout Ratio9.58%

Value Score9

Relative to Industry10 fields›

Relative Profit Margin (Quarterly)1.5966

Relative P/E0.2466

Relative P/S0.359

Relative P/B0.374

Relative Earnings Yield4.0548

Relative Dividend Yield2.1142

Relative ROE1.819

Relative ROA1.4588

Relative ROIC0.6904

Relative Debt to Equity2.7716

Liquidity12 fields›

Cash Per Share1.3481

Current Ratio1.3726

Cash & ST Assets$412.6M

Total Debt$38.20B

Goodwill & Intangibles$153.2M

Total Assets$48.25B

Total Liabilities$41.02B

Shareholders Equity$7.23B

Debt to Equity5.2842

Debt to Assets79.18%

CFO to Debt (TTM)0.166

Goodwill % of Assets0.32%

Yields5 fields›

Dividend Yield0.00%

Payout Ratio9.58%

Earnings Yield22.10%

Buyback Yield1.85%

Shareholder Yield8.15%

Options Flow8 fields›

Call Volume93

Put Volume195

Put/Call Ratio2.096774193548387

Call $ Volume36413

Put $ Volume13378

Put/Call $ Ratio0.3673962595776234

Call OI3684

Put OI3730

News AI summary

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Press release AI summary

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Income statement AI analysis

Recent quarterly income statements with margin trends

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Balance sheet AI analysis

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Cash flow AI analysis

Recent quarterly cash flow statements with FCF trends

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Income — last 8 quarters

Period	Revenue		Gross profit	Net income	EPS
Q3 2021	$1.71B		$1.71B	$763.3M	$2.49
Q2 2021	$1.78B		$1.78B	$1.06B	$3.45
Q1 2021	$1.90B		$1.90B	$741.7M	$2.42
Q4 2020	$1.72B		$1.72B	$521.5M	$1.70
Q3 2020	$1.73B		$1.73B	$490.1M	$1.58
Q2 2020	$1.60B		$1.60B	$-96.7M	$-0.30
Q1 2020	$1.75B		$1.75B	$-4.0M	$-0.01
Q4 2019	$1.61B		$1.61B	$146.1M	$0.43

Insider activity

Filed	Insider	Role	Type	Shares	Price
Feb 2, 2022	HOLIDAY EDITH E	director	Sell	16.4K	$41.50
Feb 2, 2022	Alvarez Juan Carlos	director	Sell	17.8K	$41.50
Feb 2, 2022	Rainer William J	director	Sell	19.7K	$41.50
Feb 2, 2022	Pfirrman Christopher Keith	officer: Chief Legal Officer	Sell	53.9K	$41.50
Feb 2, 2022	Akbari Dr. Homaira	director	Sell	5.4K	$41.50
Feb 2, 2022	Ferriss Stephen A.	director	Sell	5.2K	$24.00
Feb 2, 2022	Ferriss Stephen A.	director	Sell	20.9K	$41.50
Feb 2, 2022	Baer Joshua	officer: Head of Pricing and Strategy	Sell	21.4K	$41.50
Feb 2, 2022	Karam Fahmi	officer: Chief Financial Officer	Sell	19.6K	$21.74
Feb 2, 2022	Karam Fahmi	officer: Chief Financial Officer	Sell	73.1K	$41.50
Feb 2, 2022	Aditya Mahesh	director, officer: President and CEO	Sell	52.8K	$41.50
Feb 2, 2022	MCCARTHY ROBERT	director	Sell	19.7K	$41.50
Jan 31, 2022	Santander Holdings USA, Inc.	10 percent owner	Buy	14.18M	$41.50
Aug 30, 2021	Karam Fahmi	officer: Please see remarks	Sell	0	—
Aug 30, 2021	Alvarez Juan Carlos	director	Sell	440	$25.59

Top institutional holders

Holder	Shares	Change	As of
BlackRock Institutional Trust Company, N.A.	2.76M	+121.3K	Dec 31, 2016
ANALYTIC INVESTORS, LLC	1.53M	-32.7K	Sep 30, 2016
Zenit Asset Management AB	1.46M	-226.3K	Dec 31, 2015
LANSDOWNE PARTNERS LIMITED PARTNERSHIP	1.45M	+1.45M	Mar 31, 2014
RUSSELL FRANK CO/	1.32M	+859.7K	Mar 31, 2016
BlackRock Fund Advisors	1.05M	+67.3K	Dec 31, 2016
EverPoint Asset Management, LLC	830.0K	+130.0K	Dec 31, 2016
AHL Partners LLP	584.8K	+347.7K	Dec 31, 2017
TIAA CREF INVESTMENT MANAGEMENT LLC	491.0K	-158.3K	Mar 31, 2019
SAC Capital Advisors LP	381.4K	+381.4K	Mar 31, 2014
TEACHERS ADVISORS, LLC	375.9K	-192.6K	Mar 31, 2019
Glen Harbor Capital Management LLC	326.7K	-112.7K	Sep 30, 2019
Cortex Capital Management LLC	300.0K	+50.0K	Mar 31, 2015
Meadow Creek Investment Management LLC	269.0K	-92.8K	Sep 30, 2019
Requisite Energy Fund I LP	266.4K	+266.4K	Dec 31, 2018

SEC filings

Filed	Type
Mar 4, 2022	10-Q/A	View →
Mar 4, 2022	10-Q/A	View →
Mar 4, 2022	10-Q/A	View →
Feb 14, 2022	SC 13G	View →
Feb 10, 2022	15-12B	View →
Feb 2, 2022	4	View →
Feb 2, 2022	4	View →
Feb 2, 2022	4	View →
Feb 2, 2022	4	View →
Feb 2, 2022	4	View →
Feb 2, 2022	4	View →
Feb 2, 2022	4	View →

Recent news

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