How to buy Santander Consumer USA stock - 07 March

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How to buy Santander Consumer USA stock

Own Santander Consumer USA stock in just a few minutes.

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Santander Consumer USA Holdings Inc is a credit services business based in the US. Santander Consumer USA shares (SC) are listed on the NYSE and all prices are listed in US Dollars. Santander Consumer USA employs 5,576 staff and has a trailing 12-month revenue of around USD$4.4 billion.

How to buy shares in Santander Consumer USA

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Santander Consumer USA. Find the stock by name or ticker symbol: SC. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Santander Consumer USA reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Santander Consumer USA, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Santander Consumer USA. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Santander Consumer USA share price

Use our graph to track the performance of SC stocks over time.

Santander Consumer USA shares at a glance

Information last updated 2021-03-03.
52-week rangeUSD$9.347 - USD$27.03
50-day moving average USD$24.5539
200-day moving average USD$21.3218
Wall St. target priceUSD$27.07
PE ratio 8.9195
Dividend yield USD$0.66 (2.6%)
Earnings per share (TTM) USD$2.869

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Santander Consumer USA stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Santander Consumer USA under- or over-valued?

Valuing Santander Consumer USA stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Santander Consumer USA's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Santander Consumer USA's P/E ratio

Santander Consumer USA's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 9x. In other words, Santander Consumer USA shares trade at around 9x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Santander Consumer USA's PEG ratio

Santander Consumer USA's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 3.6394. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Santander Consumer USA's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Santander Consumer USA financials

Revenue TTM USD$4.4 billion
Operating margin TTM 27.38%
Gross profit TTM USD$2.2 billion
Return on assets TTM 1.86%
Return on equity TTM 14.08%
Profit margin 20.61%
Book value $18.367
Market capitalisation USD$7.8 billion

TTM: trailing 12 months

Shorting Santander Consumer USA shares

There are currently 5.7 million Santander Consumer USA shares held short by investors – that's known as Santander Consumer USA's "short interest". This figure is 6.1% up from 5.4 million last month.

There are a few different ways that this level of interest in shorting Santander Consumer USA shares can be evaluated.

Santander Consumer USA's "short interest ratio" (SIR)

Santander Consumer USA's "short interest ratio" (SIR) is the quantity of Santander Consumer USA shares currently shorted divided by the average quantity of Santander Consumer USA shares traded daily (recently around 1.1 million). Santander Consumer USA's SIR currently stands at 5.37. In other words for every 100,000 Santander Consumer USA shares traded daily on the market, roughly 5370 shares are currently held short.

However Santander Consumer USA's short interest can also be evaluated against the total number of Santander Consumer USA shares, or, against the total number of tradable Santander Consumer USA shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Santander Consumer USA's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Santander Consumer USA shares in existence, roughly 20 shares are currently held short) or 0.0942% of the tradable shares (for every 100,000 tradable Santander Consumer USA shares, roughly 94 shares are currently held short).

A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Santander Consumer USA.

Find out more about how you can short Santander Consumer USA stock.

Santander Consumer USA share dividends

15%

Dividend payout ratio: 14.81% of net profits

Recently Santander Consumer USA has paid out, on average, around 14.81% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.2% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Santander Consumer USA shareholders could enjoy a 4.2% return on their shares, in the form of dividend payments. In Santander Consumer USA's case, that would currently equate to about $0.66 per share.

While Santander Consumer USA's payout ratio might seem low, this can signify that Santander Consumer USA is investing more in its future growth.

Santander Consumer USA's most recent dividend payout was on 24 August 2020. The latest dividend was paid out to all shareholders who bought their shares by 12 August 2020 (the "ex-dividend date").

Have Santander Consumer USA's shares ever split?

Santander Consumer USA's shares were split on a 8:9 basis on 30 April 2015. So if you had owned 9 shares the day before before the split, the next day you'd have owned 8 shares. This wouldn't directly have changed the overall worth of your Santander Consumer USA shares – just the quantity. However, indirectly, the new 12.5% higher share price could have impacted the market appetite for Santander Consumer USA shares which in turn could have impacted Santander Consumer USA's share price.

Santander Consumer USA share price volatility

Over the last 12 months, Santander Consumer USA's shares have ranged in value from as little as $9.347 up to $27.03. A popular way to gauge a stock's volatility is its "beta".

SC.US volatility(beta: 0.98)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Santander Consumer USA's is 0.9819. This would suggest that Santander Consumer USA's shares are less volatile than average (for this exchange).

Santander Consumer USA overview

Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. It offers vehicle financial products and services, including 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 provides financial products and services related to recreational and marine vehicles; originates vehicle loans through RoadLoans.com, a web-based direct lending platform; purchases vehicle retail installment contracts from other lenders; and services automobile, and recreational and marine vehicle portfolios for other lenders. In addition, it originates private-label loans and leases; and offers other consumer finance products, and personal loans; as well as point-of-sale financing. The company was founded in 1995 and is headquartered in Dallas, Texas. Santander Consumer USA Holdings Inc. is a subsidiary of Santander Holdings USA, Inc.

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