Santander Consumer USA Holdings (SC) Stock Price
Santander Consumer USA Holdings Price
Santander Consumer USA Holdings (SC) Stock | ISIN US80283M1018 | WKN A1XB31. The current Santander Consumer USA Holdings stock price is 41.6 USD (2026). Market capitalization is 12.73 B USD. Santander Consumer USA Holdings operates in the Finance sector.
Revenue has compounded at 15.1% per year over the past 12 years to 8.11 B USD. Earnings per share have grown at 15.6% per year over the last 12 years. Santander Consumer USA Holdings's net margin stands at 11.2%, broadly stable from 11.6% several years earlier. Santander Consumer USA Holdings currently offers a dividend yield of about 2.12%. The payout ratio is around 31% of earnings. The dividend has grown at 34.3% per year over the past 6 years.
Santander Consumer USA Holdings stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Santander Consumer USA Holdings over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Santander Consumer USA Holdings stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Santander Consumer USA Holdings's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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Santander Consumer USA Holdings Revenue, EBIT, Net Income
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Santander Consumer USA Holdings Income Statement, Balance Sheet, Cash Flow Statement
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| SHARES (M) |
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| 2018 | 2019 | 2020 | 2021e | 2022e | 2023e | 2024e | 2025e |
|---|---|---|---|---|---|---|---|
| 7.17 | 7.91 | 8.11 | 8.04 | 8.02 | 9.14 | 9.49 | 10.15 |
| 6.17 | 10.22 | 2.57 | -0.9 | -0.16 | 13.99 | 3.78 | 6.91 |
| 63.08 | 59.6 | 59.52 | 60.06 | 60.16 | 52.78 | 50.85 | 47.57 |
| 4.52 | 4.71 | 4.83 | 4.83 | 4.83 | 4.83 | 4.83 | 4.83 |
| 0.92 | 0.99 | 0.91 | 3.26 | 1.55 | 1.26 | 0.78 | 0.51 |
| -21.93 | 8.63 | -8.45 | 258.13 | -52.59 | -18.71 | -37.58 | -35.59 |
| 360.7 | 347.5 | 317.7 | 317.7 | 317.7 | 317.7 | 317.7 | 317.7 |
| – | – | – | – | – | – | – | – |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Santander Consumer USA Holdings generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Santander Consumer USA Holdings retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Santander Consumer USA Holdings's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Santander Consumer USA Holdings has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Santander Consumer USA Holdings's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Santander Consumer USA Holdings stock margins
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Santander Consumer USA Holdings Stock Revenue, EBIT, Earnings per Share
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Santander Consumer USA Holdings business model & stock analysis
Santander Consumer USA Holdings SWOT Analysis
Strengths
Santander Consumer USA Holdings Inc possesses several strengths that contribute to its competitive advantage:
- Strong brand reputation:
- Santander is a well-known and trusted brand in the financial services industry.
- Diverse product portfolio:
- The company offers a wide range of consumer lending and financing products.
- Extensive distribution network:
- Santander has a large network of branches and partnerships, providing widespread access to customers.
- Strong financial position:
- The company maintains a solid financial position with healthy profitability and robust capital reserves.
Weaknesses
Despite its strengths, Santander Consumer USA Holdings Inc faces certain weaknesses:
- Dependence on auto loan market:
- A significant portion of Santander's revenue is derived from auto loans, making it vulnerable to fluctuations in the market.
- Regulatory risks:
- The company operates in a highly regulated industry, exposing it to compliance challenges and potential regulatory changes.
- Customer perception:
- Santander has faced criticism and legal issues related to its lending practices, impacting customer trust.
Opportunities
There are several opportunities that Santander Consumer USA Holdings Inc can capitalize on:
- Growth in consumer lending:
- The increasing demand for consumer loans presents an opportunity for the company to expand its loan portfolio.
- Digital transformation:
- Investing in digital technologies and online platforms can enhance the customer experience and streamline operations.
- Expansion into new markets:
- Santander can explore entering new geographic markets and diversifying its product offerings to target a wider customer base.
Threats
Santander Consumer USA Holdings Inc is exposed to certain threats:
- Economic downturns:
- A recession or economic downturn can negatively impact the demand for consumer loans and increase default rates.
- Competition:
- The company faces intense competition from traditional financial institutions as well as emerging fintech players.
- Interest rate fluctuations:
- Changes in interest rates can affect the affordability of loans and impact Santander's interest income.
Santander Consumer USA Holdings Eulerpool Fair Value
Santander Consumer USA Holdings historical P/E ratio, EBIT multiple, and P/S ratio
Santander Consumer USA Holdings annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Santander Consumer USA Holdings shares outstanding
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Santander Consumer USA Holdings Dividend History
6 years of dividend payments · 4 consecutive increases
Santander Consumer USA Holdings dividend payout ratio
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Santander Consumer USA Holdings Earnings Estimates
Santander Consumer USA Holdings Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 2/15/2022 | 1.96USD | 1.96 BUSD | 2021 Q4 |
| 10/27/2021 | 2.14USD | 2.01 BUSD | 2021 Q3 |
| 7/28/2021 | 1.9USD | 2.01 BUSD | 2021 Q2 |
| 4/28/2021 | 1.48USD | 2.07 BUSD | 2021 Q1 |
| 2/3/2021 | 1.15USD | 2.08 BUSD | 2020 Q4 |
| 10/28/2020 | 0.6USD | 1.98 BUSD | 2020 Q3 |
| 7/29/2020 | 0.06USD | 2 BUSD | 2020 Q2 |
| 4/28/2020 | -0.13USD | 2.05 BUSD | 2020 Q1 |
| 1/29/2020 | 0.38USD | 2.04 BUSD | 2019 Q4 |
| 10/30/2019 | 0.69USD | 2.03 BUSD | 2019 Q3 |
Santander Consumer USA Holdings shareholder structure
| % | Name |
|---|---|
80.23049% | |
4.29181% | |
4.08292% | |
1.95596% | |
1.77573% | |
0.8487% | |
0.6525% | |
0.35996% | |
0.32668% | |
0.31194% |
Santander Consumer USA Holdings Executives and Management Board
Mr. Thomas Dundon
(44)Director · since 2015
Mr. Ismail Dawood
(49)Chief Financial Officer · since 2015
Mr. Scott Powell
(58)President, Chief Executive Officer, Director · since 2017
Mr. Jason Kulas
(50)President, Chief Executive Officer, Director · since 2016
Mr. Mahesh Aditya
(58)President, Chief Executive Officer, Director · since 2019
Santander Consumer USA Holdings Supply Chain
Frequently asked questions about Santander Consumer USA Holdings
The business model of Santander Consumer USA Holdings Inc. is focused on providing auto financing solutions to customers through its subsidiary, Santander Consumer USA. As a leading consumer finance company, Santander Consumer USA specializes in providing vehicle loans and leases to customers purchasing new and used vehicles. Through its extensive network of dealer relationships, the company offers flexible financing options and works closely with its customers to provide competitive interest rates and favorable terms. Santander Consumer USA strives to simplify the car-buying experience and offers a range of products and services tailored to meet the needs of consumers across the United States.
Santander Consumer USA Holdings stock
Santander Consumer USA Holdings Peer Group
Santander Consumer USA Holdings Ticker
Santander Consumer USA Holdings FIGI
All fundamentals and in-depth analysis of Santander Consumer USA Holdings
Our stock analysis for Santander Consumer USA Holdings Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Santander Consumer USA Holdings Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.