SC stock: buy or sell?
September 20th, 2019
Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States.
Should I buy SC stock?You can't be a successful trader if you don't follow a methodolgy or system that assist you in choosing companies and the correct market timing. That's why is so important to choose your own trading strategy that matches with your character as inversor. There are thousands of trading strategies for you to choose, but at Stocks2.com we prefer those that are simple but successful.
None of our preferred buy setups matches with Santander Consumer USA stock situation right now, therefore this is not a suitable entry point.
|New all-time high||No|
|New 52 week high||No|
|Price crossing up 200d MA||No|
|100d MA crossing up 200d MA||No|
Is Santander Consumer USA stock a buy?
Banks and financial institutions post stock ratings everyday.At Stocks2.com, we detected 10 ratings published for SC stock in the last month. The general sentiment of these ratings is bearish for SC stock, with 2 negative ratings.
|Date||Analyst / Broker||Previous rating||Current rating|
|2019-7-25||Morgan Stanley||n/a||Equal Weight|
|2019-7-17||Janney Montgomery Scott||Buy||Neutral|
|2019-4-22||Piper Jaffray Companies||Overweight||Neutral|
|2019-4-16||JPMorgan Chase & Co.||Underweight||Neutral|
|2019-1-16||JPMorgan Chase & Co.||Neutral||Underweight|
SC stock analysis
Shares of Santander Consumer USA decreased an unpleasant -1.03% and closed at $25.84.
Shares of Santander Consumer USA ended today at $25.84 and decreased an unpleasant -1.03%. On July, SC hit a new all time high, pushing higher than on July tops. Check different trading setups that use ATHs as triggers.
Santander Consumer USA shares stayed constant -0.42% this week, ending at $25.84.
Santander Consumer USA stock is drawing an uptrend with rising tops and bottoms. Now trading in between its last bottom and last top, SC might consolidate in a flat-base, waiting to break out over or down under . Not so far away is the last all-time high Santander Consumer USA marked late July. Early April, SMA20w and SMA40w crossed up triggering a rise of 18.97%. Early February SC price bounced up over the SMA of 40 weeks that acted as support stopping new slides.
SC stock price history
SC IPO was on January 23rd, 2014 at $24.18 per share1. Since then, SC stock grew a 6.90%, with a yearly average of 1.40%. If you had invested $1,000 in SC stock in 2014, it would worth $69.00 today.
1: Adjusted price after possible price splits or reverse-splits.
SC stock historical price chart
SC stock reached all-time highs on July with a price of $27.52.
SC stock price target is $23.60How much a stock will be priced tomorrow or next week is quite unpredictable However, financial institutions invest time and resources to provide the most accurated estimations to help investors to make their decisions. The accuracy of these stock price predictions is not very high, and you should not blindly believe and make decisions only based on what this ratings or price target predictions say. For the last 30 days we found 7 price forecasts for Santander Consumer USA stock:
|Date||Analyst / Broker||Action||Previous target||Current target||Diff|
|2019-7-25||Morgan Stanley||Raises Target||$24.00||$26.00||8.3%|
|2019-7-2||Compass Point||Set Price Target||n/a||$25.00||-|
|2019-4-22||Piper Jaffray Companies||Reiterates||n/a||$24.00||-|
|2019-4-16||JPMorgan Chase & Co.||Upgrades||$20.00||$23.00||15%|
|2019-1-16||JPMorgan Chase & Co.||Reiterates||n/a||$20.00||-|
Financials and fundamental analysis
Earnings date and Earnings per ShareAfter presenting its last earnings report on April, Santander Consumer USA . Unfortunately, reported EPS is not yet available in our database.
|Quarter||Reporting date||Estimated EPS||Actual EPS||Surprise|
Annual financial resultsCompared to 2017, last anual revenues report draw a good growth of 4.36% to $6,060.42 M USD. When comparing 2018 vs 2017, on the other hand, profit margin (that is, the net income divided by revenues) slipped a -5.08% to 15.11%. To have an updated picture of the financial situation of Santander Consumer USA, we have calculated the trailing twelve month (TTM) sales and income figures. TTM values are the sum of the last 4 quarters and aproximate to an annual fiscal report ending in 2019-Q1 that can be compared to 2018 fiscal year results. Annual Santander Consumer USA TTM sales up to March 2019 were $6,172.06 and income was $918.43 M USD. If we compare this TTM figures with the last reported annuality, we can esteem Santander Consumer USA business evolution since December 2018: Annual revenues up to March, compared to lastest yearly report, raised a tiny 1.84%. In contrary, profit margin (net income/sales) remained constant at 15.11%.
|2013||$4,190 M||-||$697 M16.6%||-|
|2014||$5,604 M||33.75%||$766 M13.7%||9.87%|
|2015||$6,068 M||8.28%||$827 M13.6%||7.95%|
|2016||$5,816 M||-4.16%||$766 M13.2%||-7.35%|
|2017||$5,807 M||-0.14%||$1,173 M20.2%||53.02%|
|2018||$6,060 M||4.36%||$916 M15.1%||-21.90%|
|TTM||$6,172 M||1.84%||$918 M14.9%||0.27%|
Quarterly financial resultsSantander Consumer USA posted $1,630.09 million in revenues for 2019-Q1, a 6.35% improvement compared to previous quarter. Reported quarter earnings marked $247.50 M with a profit margin of 15.18%. Profit margin soared a 8.38% compared to previous quarter when profit margin was 6.81%. When comparing sales to same quarter last year, Santander Consumer USA sales marked a dazzling gain and rocketed a 15.64%.
|2017-Q2||$1,780 M||-||$265 M14.9%||-|
|2017-Q3||$1,458 M||-18.11%||$199 M13.7%||-24.67%|
|2017-Q4||$1,288 M||-11.62%||$592 M46.0%||197.03%|
|2018-Q1||$1,410 M||9.41%||$242 M17.2%||-59.09%|
|2018-Q2||$1,451 M||2.96%||$335 M23.1%||38.11%|
|2018-Q3||$1,558 M||7.33%||$232 M14.9%||-30.69%|
|2018-Q4||$1,533 M||-1.61%||$104 M6.8%||-55.02%|
|2019-Q1||$1,630 M||6.35%||$248 M15.2%||137.21%|
Santander Consumer USA ownershipWhen you are planning to buy shares of a company, it's worth to check its ownership structure.
Santander Consumer USA shares owned by insiders (that is, founders, CEO, CTO, main executives or other management staff) currently counts a 70.17% of all shares.
In case of Santander Consumer USA stock, 33.45% of its shares are held by institutions (mutual funds, pension funds, big banks and other large financial institutions). Bearish positions for SC stock account 0.00%, no big difference from last month.
The following table compares ownership indicators for other stocks related to Santander Consumer USA:
|Market cap||$8.9 B||$9.2 B||$79.8 M||$73.0 M|
|Total shares||346.0 M||18.8 M||22.5 M||7.9 M|
|Float shares||99.5 M||9.3 M||14.2 M||5.3 M|
|- Institutional holdings (%)||33.5%||64.8%||59.7%||64.1%|
|- Insider holdings (%)||70.2%||30.3%||21.4%||10.0%|
|Shares in short selling||0.0%||0.0%||0.0%||0.0%|
|Friday, September 20th, 2019|
|Day range||$25.84 - $26.24|
|Average true range||$0.51|
|50d mov avg||$26.13|
|100d mov avg||$24.37|
|200d mov avg||$21.96|
Santander Consumer USA performancePerformance as an absolute value is never valid if it's not benchmarked against competitors or related stocks in the industry. We compared Santander Consumer USA against Credit Acceptance, Consumer Portfolio Services and Nicholas Financial in the following table: