Santander Consumer USA Holdings Inc.
Financials · Personal Credit Institutions · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | −$4.0M | $247.5M | $915.9M | $1.17B | $766.5M | $824.0M |
| Total assets | $47.11B | $45.05B | $40.03B | $39.05B | $37.77B | $34.58B |
| Total liabilities | $43.27B | $41.61B | $36.94B | $32.94B | $33.30B | $32.02B |
| Equity | $5.15B | $7.16B | $7.02B | $6.47B | $5.24B | $4.43B |
| EPS (diluted) | $-0.01 | $0.70 | $2.54 | $3.26 | $2.13 | $2.31 |
| Shares out. | 339.2M | 351.4M | 360.6M | 359.1M | 358.0M | 349.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2020- Operating margin
- —
- Net margin
- —
- Return on equity
- −0.1%
- Return on assets
- −0.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.8%
- Debt / equity
- 8.41×
- Book value / share
- $15.17
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −101.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2020- Accruals / assets
- −8.5%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Aug 9, 2016
- NT 10-Kmissed a reporting deadline ↗Feb 29, 2016
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Amended charter or bylawsJan 31, 2022
- Director / officer changeJan 14, 2022
- Other material eventNov 19, 2021
- Results of operationsOct 27, 2021
- Director / officer change · Regulation FD disclosureSep 22, 2021
- Director / officer changeSep 14, 2021
- Entered a material agreementAug 26, 2021
- Regulation FD disclosureAug 24, 2021
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 10-Q/AMar 4, 2022
- 10-Q/AMar 4, 2022
- 10-Q/AMar 4, 2022
- SC 13GSANTANDER CONSUMER USA HOLDINGS INC.Feb 14, 2022
- 15-12BFeb 10, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
- 4FORM 4 SUBMISSIONFeb 2, 2022
Event-driven situations (3)
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