SC stock: buy or sell?

SC stock price: $25.84 -1.03% At close on September 20th, 2019

Updated on:
September 20th, 2019

3

Santander Consumer USA ended today at $25.84 and decreased an unpleasant -1.03%.

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.

Buy setupElegible
New all-time highNo
New 52 week highNo
Price crossing up 200d MANo
100d MA crossing up 200d MANo
This is not a selling recommendation at all, just it's not the best moment to buy if you follow any of these trading strategies.

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.
Is SC a good stock to buy?
DateAnalyst / BrokerPrevious ratingCurrent rating
2019-9-9StephensEqualWeight
2019-7-25Morgan Stanleyn/aEqual Weight
2019-7-2Compass Pointn/aHold
2019-7-17Janney Montgomery ScottBuyNeutral
2019-6-20Susquehanna BancsharesPositiveNeutral
2019-6-10Buckingham Researchn/aNeutral
2019-4-22Piper Jaffray CompaniesOverweightNeutral
2019-4-16JPMorgan Chase & Co.UnderweightNeutral
2019-1-16Santandern/aUnderweight
2019-1-16JPMorgan Chase & Co.NeutralUnderweight

SC stock analysis

Daily outlook

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.

SC stock chart (daily)

Weekly outlook

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 chart (weekly)

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 $23.60

How 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:
SC stock price predictions
DateAnalyst / BrokerActionPrevious targetCurrent targetDiff
2019-9-9StephensDowngrades$25.00$23.00-8%
2019-7-25Morgan StanleyRaises Target$24.00$26.008.3%
2019-7-2Compass PointSet Price Targetn/a$25.00-
2019-6-10Buckingham ResearchInitiatesn/a$24.00-
2019-4-22Piper Jaffray CompaniesReiteratesn/a$24.00-
2019-4-16JPMorgan Chase & Co.Upgrades$20.00$23.0015%
2019-1-16JPMorgan Chase & Co.Reiteratesn/a$20.00-
(in average)$23.00$23.603.0%
The price prediction for Santander Consumer USA stock is $23.60, moving in a range between $26.00 and $20.00. In average, analysts' outlook on SC price target is positive, increasing the prediction by a 3.00% from previous estimations.

Financials and fundamental analysis

Earnings date and Earnings per Share

After presenting its last earnings report on April, Santander Consumer USA . Unfortunately, reported EPS is not yet available in our database.
SC earnings date and EPS evolution
QuarterReporting dateEstimated EPSActual EPSSurprise
2017-Q2-n/a0.74n/a
2017-Q32017-10-270.350.5557.1%
2017-Q42018-01-310.260.273.8%
2018-Q12018-04-240.40.6767.5%
2018-Q22018-07-250.740.9224.3%
2018-Q32018-10-310.60.646.7%
2018-Q42019-01-300.370.29-21.6%
2019-Q12019-04-300.69n/an/a
2019-Q2-n/an/an/a
2019-Q3-n/an/an/a

Annual financial results

Compared 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%.

SC annual Sales and Income evolution
YearSalesYoYIncome/(margin)YoY
2013$4,190 M-$697 M16.6%-
2014$5,604 M33.75%$766 M13.7%9.87%
2015$6,068 M8.28%$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 M4.36%$916 M15.1%-21.90%
TTM $6,172 M1.84%$918 M14.9%0.27%

Quarterly financial results

Santander 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%.
SC quarterly Sales and Income evolution
QuarterSales1QoQ2Income1/(margin)QoQ2
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 M9.41%$242 M17.2%-59.09%
2018-Q2$1,451 M2.96%$335 M23.1%38.11%
2018-Q3$1,558 M7.33%$232 M14.9%-30.69%
2018-Q4$1,533 M-1.61%$104 M6.8%-55.02%
2019-Q1$1,630 M6.35%$248 M15.2%137.21%

Santander Consumer USA ownership

When 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:

SCCACCCPSSNICK
Market cap$8.9 B$9.2 B$79.8 M$73.0 M
Total shares346.0 M18.8 M22.5 M7.9 M
Float shares99.5 M9.3 M14.2 M5.3 M
  - Institutional holdings (%)33.5%64.8%59.7%64.1%
  - Insider holdings (%)70.2%30.3%21.4%10.0%
Shares in short selling0.0%0.0%0.0%0.0%

SC summary

Friday, September 20th, 2019
Open$26.12
Close$25.84
Day range$25.84 - $26.24
Previous close$26.11
Session gain-1.03%
Average true range$0.51
50d mov avg$26.13
100d mov avg$24.37
200d mov avg$21.96
Daily patternlt01a
Weekly pattern lt06a

Santander Consumer USA performance

Performance 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:
Stock3m6m12m
SCSantander Consume...10.76%29.46%23.99%
CACCCredit Acceptance1.86%13.56%8.99%
CPSSConsumer Portfoli...-1.39%-7.81%-11.72%
NICKNicholas Financia...0.11%6.21%-23.06%

Santander Consumer USA competitors

We picked a few stocks to conform a list of Santander Consumer USA competitors to check if you are interested in investing in SC: