Santander Consumer Usa Holdings Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Santander Consumer Usa Holdings Inc (SC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Santander Consumer Usa Holdings Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 15,322M vs 459,805M combined for tracked competitors (3.2% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-3.0% annualized vs trailing 12 months), vs decelerating (-22.5%) for its tracked peer group.
- Growth: Santander Consumer Usa Holdings Inc generated 8.7% revenue growth year over year in Q1 2021, vs -3.4% for its tracked competitors combined.
- Profitability: Its 20.6% net margin compares with 18.5% for the peer group.
- Peer revenue share: Santander Consumer Usa Holdings Inc accounted for 4.0% of combined revenue among its tracked peer group, up from 3.6% a year earlier.
- Peer differentiation: Revenue per employee of $3.00M compares with $0.79M for the peer group (3.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
SC Sales vs. its Competitors, Q1 2021
Santander Consumer Usa Holdings Inc reported revenue growth of 8.66 % year on year in Q1 2021, above its competitors' combined revenue change of -3.43 %.
With a net margin of 20.55 %, Santander Consumer Usa Holdings Inc achieved higher profitability than its competitors (18.47 %).
Santander Consumer Usa Holdings Inc generated 4.00 % of the combined sales of its peer group, up from 3.57 % a year earlier.
Santander Consumer Usa Holdings Inc vs. its Competitors, Q1 2021
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Santander Consumer Usa Holdings Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Santander Consumer Usa Holdings Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (8) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Santander Consumer Usa Holdings Inc's competitor groups requires a Commercial License.
For context: the Consumer Financial Services industry grew revenue 9.0% year over year, combined, vs 8.7% for Santander Consumer Usa Holdings Inc. Santander Consumer Usa Holdings Inc's share of combined industry revenue moved from 8.72% to 8.70%, a loss of 0.02 percentage points.
Santander Consumer Usa Holdings Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Santander Consumer Usa Holdings Inc | Yes | Yes | Yes | No |
| Competitors combined (19) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 87.50 % (7 of 8) | 75.00 % (6 of 8) | 14.30 % (1 of 7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
SC Stock Performance relative to its Competitors
SC Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Atlanticus Holdings Corp | 282.9% | Outperformed |
| 2 | General Motors Company | 282.9% | Outperformed |
| 3 | Consumer Portfolio Services Inc | 282.9% | Outperformed |
| 4 | Credit Acceptance Corp | 282.9% | Outperformed |
| 5 | Paccar Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Santander Consumer Usa Holdings Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Santander Consumer Usa Holdings Inc's Comment on Competition and Industry Peers
The automotive finance industry is highly competitive. We compete on the pricing
we offer on our loans and leases as well as the customer service we provide
to our automotive dealer customers. Pricing for these loans and leases is transparent
as we, along with our competitors, post our pricing for loans and leases on
Web-based credit application aggregation platforms. When dealers submit applications
for consumers acquiring vehicles, they can compare our pricing against our competitors’
pricing. Dealer relationships are important in the automotive finance industry.
Vehicle finance providers tailor product offerings to meet each individual dealer’s
needs.
We believe that we can effectively compete because our proprietary scorecards
and industry experience enable us to price risk appropriately. In addition,
we benefit from FCA subvention programs through the Chrysler Agreement. We have
developed strong dealer relationships through our nationwide sales force and
long history in the automotive finance space. Further, we expect that we will
be able to deepen dealer relationships through our Chrysler Capital product
offerings.
Our primary competitors in the vehicle finance space are:
national and regional banks;
credit unions;
independent financial institutions; and
the affiliated finance companies of automotive manufacturers.
While the used car market is fragmented with no single lender accounting for
more than 10% of the market, in both the new and used car markets there are
a number of competitors that have substantial positions nationally or in the
markets in which they operate. Some of our competitors may have lower cost structures,
lower funding costs, and are less reliant on securitizations. We believe we
can compete effectively by continuing to expand and deepen our relationships
with dealers. In addition, through our Chrysler Capital brand we benefit from
the manufacturer’s subvention programs and FCA’s relationship with
its dealers.
Publicly Traded Peers of Santander Consumer Usa Holdings Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Santander Consumer Usa Holdings Inc | 12,745.36 | 15,321.95 |
| Wells Fargo and Company | 248,473.80 | 83,940.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| General Motors Company | 73,382.40 | 185,527.00 |
| Paccar Inc | 58,906.54 | 42,289.70 |
| American International Group Inc | 38,833.55 | 26,636.00 |
| SUBTOTAL | 630,842.74 | 793,584.53 |
Sign in to see all competitors of Santander Consumer Usa Holdings Inc .
Sources: Santander Consumer Usa Holdings Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Santander Consumer Usa Holdings Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Santander Consumer Usa Holdings Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| General Motors Company | GM North America 83.10 % |
| Paccar Inc | Truck Subsegment 69.61 % |
| American International Group Inc | North America Operating 30.08 % |
| Atlanticus Holdings Corp | Credit and Other Investments 98.51 % |
| Leaf Group Ltd | Society6 Group 63.37 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Sign in to see all peers for Santander Consumer Usa Holdings Inc .
Santander Consumer Usa Holdings Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Santander Consumer Usa Holdings Inc | 12,745 | 3,004,305 | 604,832 |
| Wells Fargo and Company | 248,474 | 351,213 | 95,100 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| General Motors Company | 73,382 | 1,189,276 | 13,410 |
| Paccar Inc | 58,907 | 1,632,807 | 141,166 |
| American International Group Inc | 38,834 | 1,205,249 | 134,208 |
| PEERS TOTAL | 618,097 | 790,981 | 80,445 |
Sign in to see all peers for Santander Consumer Usa Holdings Inc .
Santander Consumer Usa Holdings Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Leaf Group Ltd | US 87.97 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Santander Consumer Usa Holdings Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Consumer Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (37 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 1.56 % | 63.05 % (avg) | -61.5 pp |
| Operating Margin | 26.25 % | industry median | -7.1 pp |
| EBITDA Margin | 41.20 % | 30.50 % (avg) | +10.7 pp |
| Capital Intensity (Capex / Revenue) | 0.17 % | 8.55 % (avg) | -8.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Santander Consumer Usa Holdings Inc's Valuation vs Competitive Position
Valuation multiples vs the Consumer Financial Services industry average (37 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 4.2x | 19.3x | -15.2x |
| EV / EBITDA | 8.1x | 11.7x | -3.6x |
| P/B | 1.9x | 2.7x | -0.8x |
| Return on Equity | 45.67 % | industry aggregate | 7.52 % |
| Return on Invested Capital | 7.54 % | 4.81 % (avg) | 2.73 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Santander Consumer Usa Holdings Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|---|---|
| Revenue Growth | 6.58 % | 8.52 % | -3.23 % | 7.46 % | 44.60 % | 3.30 % |
| Operating Margin | 16.76 % | 14.66 % | 10.75 % | 14.48 % | 11.37 % | 9.84 % |
| Return on Invested Capital | 7.62 % | 2.75 % | 1.90 % | 2.51 % | 2.58 % | 2.35 % |
| P/E | - | 6.3x | 5.4x | 7.4x | 8.4x | 7.7x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Santander Consumer Usa Holdings Inc's Strategic Group Map
Every company in Santander Consumer Usa Holdings Inc's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Santander Consumer Usa Holdings Inc is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Santander Consumer Usa Holdings Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.17 % vs industry average 8.55 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Santander Consumer Usa Holdings Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Santander Consumer Usa Holdings Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Santander Consumer Usa Holdings Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Santander Consumer Usa Holdings Inc falls in the High attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Santander Consumer Usa Holdings Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 7.5 points above the industry aggregate.
Weaknesses
- Operating margin 7.1 points below the industry median.
- Latest-quarter revenue run-rate is decelerating (-3.0% annualized vs trailing 12 months).
Opportunities
- Trades at a lower P/E than the industry average (4.2x vs 19.3x) despite a higher return on invested capital -- a possible re-rating opportunity.
- A meaningful share of tracked competitors (36.80 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-22.5% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Santander Consumer Usa Holdings Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Santander Consumer Usa Holdings Inc | 0.41 | 12.64 | 5.79 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
| General Motors Company | 0.23 | 1.17 | 0.62 |
| Paccar Inc | 0.95 | 4.41 | 0.60 |
| American International Group Inc | 0.04 | 1.44 | 0.17 |
Sign in to see all peers for Santander Consumer Usa Holdings Inc .
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Santander Consumer Usa Holdings Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Santander Consumer Usa Holdings Inc | Q3 2021 | +8.7 % | +55.7 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| General Motors Company | Q2 2026 | +1.9 % | -28.5 % |
| Paccar Inc | Q2 2026 | +3,105.9 % | +1,965.9 % |
| American International Group Inc | Q2 2026 | -0.1 % | -17.1 % |
| PEERS TOTAL | +6.2 % | +10.2 % |
Sign in to see all peers for Santander Consumer Usa Holdings Inc .
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Santander Consumer Usa Holdings Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Santander Consumer Usa Holdings Inc | Q3 2021 | -87.6 % | +262.5 % |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
| General Motors Company | Q2 2026 | - | -9.1 % |
| Paccar Inc | Q2 2026 | +35,548.8 % | +2,698.6 % |
| American International Group Inc | Q2 2026 | +6.3 % | - |
Sign in to see all peers for Santander Consumer Usa Holdings Inc .
Santander Consumer Usa Holdings Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Santander Consumer Usa Holdings Inc | 6.38% | 6.62% | 45.67% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
| General Motors Company | 0.74% | 1.10% | 3.22% |
| Paccar Inc | 10.02% | 12.06% | 23.80% |
| American International Group Inc | 1.83% | 2.10% | 7.26% |
Sign in to see all peers for Santander Consumer Usa Holdings Inc .
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Santander Consumer Usa Holdings Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Santander Consumer Usa Holdings Inc | 4.16 | 0.83 |
| Wells Fargo and Company | 11.82 | 2.96 |
| Capital one financial corp | 11.69 | 2.39 |
| General Motors Company | 46.61 | 0.40 |
| Paccar Inc | 23.46 | 1.39 |
| American International Group Inc | 13.45 | 1.46 |
| PEERS AVERAGE | 7.67 | 0.79 |
Sign in to see all peers for Santander Consumer Usa Holdings Inc .
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.