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Santander Consumer USA Holdings

DB:77S
Snowflake Description

Undervalued average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
77S
DB
$5B
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. The last earnings update was 32 days ago. More info.


Add to Portfolio Compare Print
  • Santander Consumer USA Holdings has significant price volatility in the past 3 months.
77S Share Price and Events
7 Day Returns
40.2%
DB:77S
6%
Europe Consumer Finance
7.3%
DE Market
1 Year Returns
-32.7%
DB:77S
-48.3%
Europe Consumer Finance
-17.7%
DE Market
77S Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Santander Consumer USA Holdings (77S) 40.2% -40.8% -36.8% -32.7% 6.7% -39.1%
Europe Consumer Finance 6% -34.5% -40.3% -48.3% -64.4% -63.3%
DE Market 7.3% -17.9% -25.8% -17.7% -25.6% -29%
1 Year Return vs Industry and Market
  • 77S outperformed the Consumer Finance industry which returned -48.3% over the past year.
  • 77S underperformed the Market in Germany which returned -17.7% over the past year.
Price Volatility
77S
Industry
5yr Volatility vs Market

77S Value

 Is Santander Consumer USA Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Santander Consumer USA Holdings to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Santander Consumer USA Holdings.

DB:77S Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 9 analysts.
= Stable Book Value * Return on Equity
= $20.13 * 14.9%
$3.01
Book Value of Equity per Share Weighted future Book Value estimates from 10 analysts. $20.13
Discount Rate (Cost of Equity) See below 10.5%
Perpetual Growth Rate 10-Year DE Government Bond Rate -0.4%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:77S
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate -0.4%
Equity Risk Premium S&P Global 5.4%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.586 (1 + (1- 21%) (837.41%))
3.317
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
2
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= -0.39% + (2 * 5.44%)
10.49%

Discounted Cash Flow Calculation for DB:77S using Excess Returns Model Model

The calculations below outline how an intrinsic value for Santander Consumer USA Holdings is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:77S Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (14.9% – 10.49%) * $20.13)
$0.90
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.90 / (10.49% - -0.39%)
$8.24
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $20.13 + $8.24
$28.37
DB:77S Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:77S represents 0.88236x of NYSE:SC
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.88236x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (USD) x Listing Adjustment Factor
= $ 28.37 x 0.88236
€25.03
Value per share (EUR) From above. €25.03
Current discount Discount to share price of €12.90
= -1 x (€12.90 - €25.03) / €25.03
48.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Santander Consumer USA Holdings is available for.
Intrinsic value
48%
Share price is €12.9 vs Future cash flow value of €25.03
Current Discount Checks
For Santander Consumer USA Holdings to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Santander Consumer USA Holdings's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Santander Consumer USA Holdings's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Santander Consumer USA Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Santander Consumer USA Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:77S PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $2.87
NYSE:SC Share Price ** NYSE (2020-03-30) in USD $14.62
Europe Consumer Finance Industry PE Ratio Median Figure of 27 Publicly-Listed Consumer Finance Companies 5.55x
Germany Market PE Ratio Median Figure of 400 Publicly-Listed Companies 16.36x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Santander Consumer USA Holdings.

DB:77S PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:SC Share Price ÷ EPS (both in USD)

= 14.62 ÷ 2.87

5.1x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Santander Consumer USA Holdings is good value based on earnings compared to the Europe Consumer Finance industry average.
  • Santander Consumer USA Holdings is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Santander Consumer USA Holdings's expected growth come at a high price?
Raw Data
DB:77S PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 5.1x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts
-6.7%per year
Europe Consumer Finance Industry PEG Ratio Median Figure of 19 Publicly-Listed Consumer Finance Companies 0.41x
Germany Market PEG Ratio Median Figure of 254 Publicly-Listed Companies 1.2x

*Line of best fit is calculated by linear regression .

DB:77S PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 5.1x ÷ -6.7%

-0.77x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Santander Consumer USA Holdings earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Santander Consumer USA Holdings's assets?
Raw Data
DB:77S PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $21.58
NYSE:SC Share Price * NYSE (2020-03-30) in USD $14.62
Europe Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 0.71x
Germany Market PB Ratio Median Figure of 574 Publicly-Listed Companies 1.43x
DB:77S PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:SC Share Price ÷ Book Value per Share (both in USD)

= 14.62 ÷ 21.58

0.68x

* Primary Listing of Santander Consumer USA Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Santander Consumer USA Holdings is good value based on assets compared to the Europe Consumer Finance industry average.
X
Value checks
We assess Santander Consumer USA Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Santander Consumer USA Holdings has a total score of 5/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

77S Future Performance

 How is Santander Consumer USA Holdings expected to perform in the next 1 to 3 years based on estimates from 11 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-6.7%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Santander Consumer USA Holdings expected to grow at an attractive rate?
  • Santander Consumer USA Holdings's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of -0.4%.
Growth vs Market Checks
  • Santander Consumer USA Holdings's earnings are expected to decrease over the next 1-3 years, this is below the Germany market average.
  • Santander Consumer USA Holdings's revenue growth is expected to exceed the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:77S Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:77S Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 11 Analysts -6.7%
DB:77S Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 11 Analysts 6.1%
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 13%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 9.7%
Germany Market Earnings Growth Rate Market Cap Weighted Average 14.3%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:77S Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:77S Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-12-31 5,413 943 1
2021-12-31 5,015 825 10
2020-12-31 4,847 793 10
2020-03-30
DB:77S Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 4,427 5,533 994
2019-09-30 4,205 5,375 953
2019-06-30 4,063 5,595 952
2019-03-31 3,945 5,837 919
2018-12-31 3,822 6,245 916
2018-09-30 3,767 5,317 1,389
2018-06-30 3,722 5,238 1,356
2018-03-31 3,547 4,362 1,274
2017-12-31 3,414 3,941 1,173
2017-09-30 3,306 5,507 657
2017-06-30 3,233 5,373 672
2017-03-31 3,275 5,280 702

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Santander Consumer USA Holdings's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Santander Consumer USA Holdings's revenue is expected to grow by 6.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:77S Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below

All data from Santander Consumer USA Holdings Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:77S Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-12-31 3.25 3.25 3.25 1.00
2021-12-31 2.95 3.31 1.80 13.00
2020-12-31 2.64 2.91 1.00 14.00
2020-03-30
DB:77S Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 2.87
2019-09-30 2.71
2019-06-30 2.68
2019-03-31 2.57
2018-12-31 2.55
2018-09-30 3.85
2018-06-30 3.76
2018-03-31 3.54
2017-12-31 3.26
2017-09-30 1.83
2017-06-30 1.87
2017-03-31 1.96

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Santander Consumer USA Holdings is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Santander Consumer USA Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Santander Consumer USA Holdings has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

77S Past Performance

  How has Santander Consumer USA Holdings performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Santander Consumer USA Holdings's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Santander Consumer USA Holdings's year on year earnings growth rate has been positive over the past 5 years.
  • Santander Consumer USA Holdings's 1-year earnings growth exceeds its 5-year average (8.6% vs 6.8%)
  • Santander Consumer USA Holdings's earnings growth has not exceeded the Europe Consumer Finance industry average in the past year (8.6% vs 17.9%).
Earnings and Revenue History
Santander Consumer USA Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Santander Consumer USA Holdings Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:77S Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 4,426.94 994.37 524.58
2019-09-30 4,205.49 952.65 507.97
2019-06-30 4,063.37 952.06 494.59
2019-03-31 3,944.68 918.81 489.60
2018-12-31 3,821.70 915.93 492.99
2018-09-30 3,766.68 1,389.04 550.68
2018-06-30 3,722.37 1,355.66 562.55
2018-03-31 3,546.54 1,274.00 569.32
2017-12-31 3,413.96 1,172.81 591.92
2017-09-30 3,305.53 656.63 525.31
2017-06-30 3,232.84 671.61 519.19
2017-03-31 3,275.16 701.59 514.64
2016-12-31 3,299.64 766.47 498.22
2016-09-30 3,078.40 685.64 479.70
2016-06-30 3,045.97 708.52 465.71
2016-03-31 3,090.49 789.89 453.34
2015-12-31 3,037.28 824.04 434.04
2015-09-30 3,235.52 996.32 543.68
2015-06-30 3,034.11 939.04 518.55
2015-03-31 2,757.01 830.29 381.26
2014-12-31 2,593.58 725.28 482.64
2014-09-30 2,447.27 711.99 352.43
2014-06-30 2,234.80 644.07 342.78
2014-03-31 1,977.98 570.03 444.42
2013-12-31 1,943.99 722.99 305.06
2013-09-30 1,748.53 702.72 277.63
2013-03-31 1,777.82 751.21 237.32

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Santander Consumer USA Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Santander Consumer USA Holdings used its assets less efficiently than the Europe Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Santander Consumer USA Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Santander Consumer USA Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Santander Consumer USA Holdings has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

77S Health

 How is Santander Consumer USA Holdings's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Santander Consumer USA Holdings's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Santander Consumer USA Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Santander Consumer USA Holdings's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Santander Consumer USA Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is not covered by short term assets, assets are 0.8x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Santander Consumer USA Holdings Company Filings, last reported 2 months ago.

DB:77S Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 7,318.62 39,306.09 295.12
2019-09-30 7,345.20 37,753.74 263.14
2019-06-30 7,337.26 36,891.65 376.44
2019-03-31 7,158.53 35,805.98 424.90
2018-12-31 7,018.36 35,021.02 483.12
2018-09-30 7,141.22 33,681.63 534.10
2018-06-30 7,045.73 32,128.74 802.94
2018-03-31 6,726.02 31,502.92 1,091.74
2017-12-31 6,465.70 31,328.37 901.19
2017-09-30 5,885.23 30,736.92 709.68
2017-06-30 5,678.73 31,775.78 564.13
2017-03-31 5,419.00 31,611.44 667.34
2016-12-31 5,238.62 31,431.68 359.16
2016-09-30 5,117.66 31,889.05 157.23
2016-06-30 4,876.71 31,998.15 172.56
2016-03-31 4,589.55 31,584.79 112.43
2015-12-31 4,432.55 30,470.16 95.25
2015-09-30 4,451.98 30,337.49 165.29
2015-06-30 4,245.45 30,664.67 60.43
2015-03-31 3,771.54 29,837.59 76.60
2014-12-31 3,526.22 27,928.24 108.84
2014-09-30 3,303.21 26,910.36 113.76
2014-06-30 3,102.26 26,231.92 93.08
2014-03-31 2,908.02 25,429.43 159.50
2013-12-31 2,686.83 23,335.68 40.41
2013-09-30 2,569.16 22,757.23 53.48
2013-03-31 2,578.57 16,590.75 4.02
  • Santander Consumer USA Holdings's level of debt (537.1%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (791.3% vs 537.1% today).
  • Debt is not well covered by operating cash flow (14.1%, less than 20% of total debt).
  • Unable to confirm if the interest payments on Santander Consumer USA Holdings's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Santander Consumer USA Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Santander Consumer USA Holdings has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

77S Dividends

 What is Santander Consumer USA Holdings's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
6.02%
Current annual income from Santander Consumer USA Holdings dividends. Estimated to be 6.49% next year.
If you bought €2,000 of Santander Consumer USA Holdings shares you are expected to receive €120 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Santander Consumer USA Holdings's pays a higher dividend yield than the bottom 25% of dividend payers in Germany (1.7%).
  • Santander Consumer USA Holdings's dividend is above the markets top 25% of dividend payers in Germany (4.97%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:77S Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 11 Analyst Estimates (S&P Global) See Below
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 6.8%
Germany Market Average Dividend Yield Market Cap Weighted Average of 323 Stocks 3.9%
Germany Minimum Threshold Dividend Yield 10th Percentile 1%
Germany Bottom 25% Dividend Yield 25th Percentile 1.7%
Germany Top 25% Dividend Yield 75th Percentile 5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:77S Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2022-12-31 1.02 3.00
2021-12-31 0.97 12.00
2020-12-31 0.91 12.00
2020-03-30
DB:77S Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2020-01-29 0.880 4.307
2019-10-31 0.880 3.725
2019-10-30 0.880 3.453
2019-07-31 0.880 3.411
2019-07-24 0.880 3.220
2019-05-01 0.800 3.457
2019-04-30 0.800 3.753
2018-10-31 0.800 4.060
2018-07-31 0.800 3.969
2018-07-25 0.800 4.092
2018-01-31 0.200 1.125
2017-11-02 0.120 0.677
2017-10-27 0.120 0.722
2017-08-02 0.120 0.840
2016-05-05 0.000 0.000
2016-04-27 0.000 0.000
2016-03-31 0.000 0.000
2016-01-27 0.000 0.000
2015-10-29 0.000 0.000
2015-08-10 0.000 0.000
2015-07-30 0.000 0.000
2015-04-29 0.000 0.000
2015-04-28 0.000 0.000
2015-03-02 0.000 0.000
2015-02-03 0.000 0.000
2014-11-04 0.000 0.000
2014-05-01 0.600 3.134
2014-03-06 0.000 0.000
2014-01-24 1.420 5.625

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Santander Consumer USA Holdings has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
  • Santander Consumer USA Holdings has only been paying a dividend for 6 years, and since then dividends per share have fallen.
Current Payout to shareholders
What portion of Santander Consumer USA Holdings's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3.4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (3x coverage).
X
Income/ dividend checks
We assess Santander Consumer USA Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Santander Consumer USA Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Santander Consumer USA Holdings has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

77S Management

 What is the CEO of Santander Consumer USA Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Mahesh Aditya
AGE 56
TENURE AS CEO 0.3 years
CEO Bio

Mr. Mahesh Aditya was named President and CEO of Santander Consumer USA Inc. in December 2019. He joined Santander Holdings USA, Inc. in March 2017 as US Chief Operating Officer and was named US Chief Risk Officer in May 2018. He is currently on the Board of Santander Consumer USA Inc. and till December 2019 was on the Board of Banco Santander Puerto Rico. He started his career with Citibank in 1990 in Risk Management and Operations in India. He then helped start Citibank’s Credit Card and Retail Banking business in Egypt. He was subsequently based in Madrid as Chief Risk Officer of Citibank Spain and Portugal and later in New York as CRO for Citibank North America. Mahesh left Citibank after 17 years and joined JPMorgan Chase as Chief Risk Officer of Retail Banking and later served as CRO Mortgage Banking. Between 2009 and 2011 he worked at Capital One as Head of Risk for Mortgage and Business Banking. He has a degree in Electrical Engineering from Bangalore University and an MBA from the Faculty of Management Studies, Delhi University. He has served as a member of the Board of Early Warning Systems (EWS).

CEO Compensation
  • Insufficient data for Mahesh to compare compensation growth.
  • Insufficient data for Mahesh to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Santander Consumer USA Holdings management team in years:

2
Average Tenure
50
Average Age
  • The tenure for the Santander Consumer USA Holdings management team is about average.
Management Team

Sandra Broderick

TITLE
Executive VP & Head of Operations
COMPENSATION
$2M
AGE
61
TENURE
2.4 yrs

Reza Leaali

TITLE
Chief Technology Officer
COMPENSATION
$2M
AGE
60
TENURE
2 yrs

Mahesh Aditya

TITLE
President
AGE
56
TENURE
0.3 yrs

Fahmi Karam

TITLE
CFO & Head of Pricing & Analytics
AGE
39
TENURE
0.5 yrs

Evan Black

TITLE
Head of Investor Relations

Christopher Pfirrman

TITLE
Chief Legal Officer
COMPENSATION
$1M
AGE
59
TENURE
4.5 yrs

Matt Fitzgerald

TITLE
Executive Vice President of Sales and Marketing
TENURE
13.2 yrs

Mikenzie Sari

TITLE
Chief Human Resources Officer
AGE
42
TENURE
1.5 yrs

Joshua Baer

TITLE
Chief Risk Officer
AGE
44
TENURE
2 yrs

Sunil Sajnani

TITLE
Executive VP and Head of Digital & Service for Others
AGE
38
TENURE
1 yrs
Board of Directors Tenure

Average tenure and age of the Santander Consumer USA Holdings board of directors in years:

3.5
Average Tenure
65
Average Age
  • The tenure for the Santander Consumer USA Holdings board of directors is about average.
Board of Directors

Bill Rainer

TITLE
Chairman of the Board
COMPENSATION
$670K
AGE
73
TENURE
3.7 yrs

Mahesh Aditya

TITLE
President
AGE
56
TENURE
2.6 yrs

Stephen Ferriss

TITLE
Vice Chairman of the Board
COMPENSATION
$280K
AGE
73

Gonzalo de Las Milla

TITLE
Honorary Chairman
AGE
79

Bob McCarthy

TITLE
Independent Director
COMPENSATION
$260K
AGE
65
TENURE
4.7 yrs

Ede Holiday

TITLE
Independent Director
COMPENSATION
$240K
AGE
67
TENURE
3.3 yrs

Bill Muir

TITLE
Independent Director
COMPENSATION
$260K
AGE
65
TENURE
3.3 yrs

JC Alvarez de Soto

TITLE
Director
COMPENSATION
$1M
AGE
48
TENURE
0.3 yrs

Vik Hill

TITLE
Director
AGE
55
TENURE
4.7 yrs

Javier Maldonado Trinchant

TITLE
Director
AGE
57
TENURE
4.7 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
29. Jul 19 Sell Christopher Pfirrman Individual 26. Jul 19 26. Jul 19 -30,000 €24.65 €-739,521
06. May 19 Sell Richard Morrin Individual 02. May 19 02. May 19 -17,422 €18.98 €-330,655
X
Management checks
We assess Santander Consumer USA Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Santander Consumer USA Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

77S News

Simply Wall St News

77S Company Info

Description

Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. Its products and services include retail installment contracts and vehicle leases, as well as dealer loans for inventory, construction, real estate, working capital, and revolving lines of credit. The company also offers financial products and services related to recreational and marine vehicles; originates vehicle loans through a Web-based direct lending program; purchases vehicle retail installment contracts from other lenders; and services automobile, and recreational and marine vehicle portfolios for other lenders. In addition, it provides private-label credit cards and other consumer finance products, as well as point-of-sale financing. The company was founded in 1995 and is headquartered in Dallas, Texas. Santander Consumer USA Holdings Inc. operates as a subsidiary of Santander Holdings USA, Inc.

Details
Name: Santander Consumer USA Holdings Inc.
77S
Exchange: DB
Founded: 1995
$4,241,834,257
321,697,685
Website: http://www.santanderconsumerusa.com
Address: Santander Consumer USA Holdings Inc.
1601 Elm Street,
Suite 800,
Dallas,
Texas, 75201,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE SC Common Stock New York Stock Exchange US USD 23. Jan 2014
DB 77S Common Stock Deutsche Boerse AG DE EUR 23. Jan 2014
BRSE 77S Common Stock Berne Stock Exchange CH CHF 23. Jan 2014
Number of employees
Current staff
Staff numbers
5,175
Santander Consumer USA Holdings employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/03/30 23:38
End of day share price update: 2020/03/30 00:00
Last estimates confirmation: 2020/03/30
Last earnings filing: 2020/02/27
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.