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Santander Consumer USA Holdings Inc. SC NYSE

NYSE • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score
50/100
1/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$35.00
-15.9%

Santander Consumer USA Holdings Inc. (SC) is a Financial - Credit Services company in the Financial Services sector, currently trading at $41.60. It has a SharesGrow Score of 50/100, indicating a mixed investment profile with 1 out of 7 criteria passed.

Analyst consensus target is SC = $35 (-15.9% upside).

Financials: revenue is $6.7B, +5.7%/yr average growth. Net income is $911M, growing at -7.6%/yr. Net profit margin is 13.5% (healthy). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $41.1B against $5.6B equity (Debt-to-Equity (D/E) ratio 7.32, leveraged). Current ratio is 59.83 (strong liquidity). Debt-to-assets is 84.1%. Total assets: $48.9B.

Analyst outlook: 5 / 26 analysts rate SC as buy (19%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 49/100 (Partial), Growth 40/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 58/100 (Partial), Future 16/100 (Fail), Income 55/100 (Partial).

$35.00
▼ 15.87% Downside
Average Price Target
Based on 26 Wall Street analysts offering 12-month price targets for Santander Consumer USA Holdings Inc., the average price target is $35.00, with a high forecast of $39.00, and a low forecast of $29.00.
Highest Price Target
$39.00
Average Price Target
$35.00
Lowest Price Target
$29.00

SC SharesGrow Score Overview

50/100
SharesGrow Score
Mixed signals — some strengths
View full scorecard →
VALUE 49/100
Valuation — P/E, PEG, Forward PEG
GROWTH 40/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 33/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 58/100
Gross margin is + market cap
FUTURE 16/100
Analyst outlook — as buy
INCOME 55/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SC

~
VALUE Partial
49/100
SC trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Analyst consensus target is $35, implying -15.9% from the current price $42. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
~
GROWTH Partial
40/100
SC: +5.7%/yr revenue is, -7.6%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
View details →
✓
PAST Pass
100/100
SC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
View details →
✗
HEALTH Fail
33/100
Balance sheet SC: Debt-to-Equity (D/E) ratio 7.32 (leveraged), Current ratio is 59.83 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
~
MOAT Partial
58/100
SC: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 58/100. ≥ 70 = Pass.
View details →
✗
FUTURE Fail
16/100
Analyst outlook: 5 / 26 analysts rate SC as buy (19%). Analyst consensus target is $35 (-15.9% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
~
INCOME Partial
55/100
SC: Net profit margin is 13.5%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range41.51-41.73
Volume9.81M
Avg Volume (30D)462.14K
Beta (1Y)1.01
Dividend Yield$3.0600
Share Statistics
EPS (TTM)2.87
Shares Outstanding$317.69M
IPO Date2014-01-23
Employees5,576
CEOMahesh Aditya
Financial Highlights & Ratios
Revenue (TTM)$6.74B
Gross Profit$6.74B
EBITDA$4.62B
Net Income$910.91M
Operating Income$2.41B
Total Cash$204.71M
Total Debt$41.14B
Net Debt$41.03B
Total Assets$48.89B
Price / Earnings (P/E)14.5
Analyst Forecast
1Y Price Target$36.00
Target High$39.00
Target Low$29.00
Upside-13.5%
Rating ConsensusHold
Analysts Covering26
Buy 19% Hold 73% Sell 8%
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS80283M1018

Price Chart

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SC
Santander Consumer USA Holdings Inc. ↗  ·  NYSE
Financial Services • Financial - Credit Services
41.51 52WK RANGE 41.73

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