Santander Consumer USA Holdings Inc.
Santander Consumer USA Holdings Inc. Fundamental Analysis
Santander Consumer USA Holdings Inc. (SC) shows moderate financial fundamentals with a PE ratio of 14.51, profit margin of 13.51%, and ROE of 14.08%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 25.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SC's fundamental strength across five key dimensions:
Efficiency Score
WeakSC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSC trades at attractive valuation levels.
Growth Score
ModerateSC shows steady but slowing expansion.
Financial Health Score
ModerateSC shows balanced financial health with some risks.
Profitability Score
WeakSC struggles to sustain strong margins.
Key Financial Metrics
Is SC Expensive or Cheap?
P/E Ratio
SC trades at 14.51 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SC's PEG of 0.15 indicates potential undervaluation.
Price to Book
The market values Santander Consumer USA Holdings Inc. at 2.35 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -8.87 times EBITDA. This is generally considered low.
How Well Does SC Make Money?
Net Profit Margin
For every $100 in sales, Santander Consumer USA Holdings Inc. keeps $13.51 as profit after all expenses.
Operating Margin
Core operations generate 35.80 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.08 in profit for every $100 of shareholder equity.
ROA
Santander Consumer USA Holdings Inc. generates $1.86 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $-9.04 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.51
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.15
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.35
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
7.32
vs 25 benchmark
Current Ratio
Current assets to current liabilities
59.83
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How SC Stacks Against Its Sector Peers
| Metric | SC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.51 | 18.86 | Better (Cheaper) |
| ROE | 14.08% | 847.00% | Weak |
| Net Margin | 13.51% | 4202.00% | Weak |
| Debt/Equity | 7.32 | 0.91 | Weak (High Leverage) |
| Current Ratio | 59.83 | 667.17 | Strong Liquidity |
| ROA | 1.86% | -21543.00% (disorted) | Weak |
SC outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Santander Consumer USA Holdings Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical