Santander Consumer USA Holdings Inc (SC) Peer Comparison
$41.60
As on 28-Jan-2022 16:00EDT
Market cap
$12,734 Mln
Revenue (TTM)
$6,737 Mln
P/E Ratio
4.1
P/B Ratio
1.6
Div. Yield
2.1 %
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
12,734 | 356 | 13,678 | 12,424 | 11,153 |
Revenue ($ Mln) |
6,737 | 3 | 58,367 | 6,676 | 2,346 |
Net Profit ($ Mln) |
3,326.51 | -147.56 | -99.34 | 953.63 | 154.59 |
Net Margin (%) |
49.37 | -4,617.12 | -0.17 | 14.28 | 6.59 |
RoE (%) |
43.88 | -94.10 | -21.13 | 15.91 | 10.55 |
Price to Earnings |
4.13 | -- | -- | 14.31 | 70.50 |
Price-To-Book |
1.61 | -- | 2.69 | 2.23 | 7.09 |
Income Statement ($ Mln)
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
6,737.49 | 102.30 | -- | 3,761.88 | 83.39 |
|
Cost of Revenue
|
1,292.08 | 25.03 | -- | 99.70 | 19.42 |
|
Gross Profit
|
8,090.91 | 69.32 | -- | 3,662.18 | 63.98 |
|
Operating Expenses
|
1,000.88 | 72.45 | 1.90 | 3,011.02 | 25.68 |
|
Operating Profit (EBIT)
|
4,290.62 | -3.13 | -1.90 | 651.16 | 38.30 |
|
Other Income
|
0.00 | -- | -- | -- | -0.02 |
|
Profit before Tax
|
4,310.60 | -3.13 | 103.39 | 651.16 | 29.09 |
|
Provision for Tax
|
984.09 | -3.47 | -- | 147.69 | 4.93 |
|
Profit after Tax (Net Income)
|
3,326.51 | 0.34 | 103.39 | 503.47 | 24.84 |
|
Minority Interest
|
0.00 | -- | -- | -- | -2.27 |
|
Consolidated Profit
|
3,326.51 | 0.34 | -- | 476.21 | 24.84 |
Liabilities ($ Mln)
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
7,932.73 | 196.37 | -- | 4,238.77 | 131.31 |
|
Minority Interest
|
0.00 | -- | -- | -- | -2.27 |
|
Non-Current Liabilities
|
2,155.28 | 30.67 | -- | 1,172.41 | 96.66 |
|
Current Liabilities
|
38,986.44 | 763.66 | -- | 2,411.61 | 227.83 |
|
Total Liabilities
|
48,887.49 | 1,022.00 | -- | 26,604.25 | 453.52 |
Assets ($ Mln)
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
44,395.91 | 49.68 | -- | 9,439.65 | 28.24 |
|
Current Assets
|
4,678.54 | 972.32 | 0.00 | 5,995.56 | 425.28 |
|
Total Assets
|
48,887.49 | 1,022.00 | -- | 26,604.25 | 453.52 |
|
Total Debt*
|
0.00 | 39.37 | -- | 1,456.91 | 134.88 |
|
Net Current Assets
|
0.00 | -- | -- | -- | 197.54 |
Cashflow ($ Mln)
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
4,012.49 | 59.99 | -- | 1,661.82 | 82.62 |
|
Cash Flow from Investing Activities
|
-4,767.65 | 117.15 | -- | -1,689.32 | -19.76 |
|
Cash from Financing Activities
|
924.22 | -166.76 | -- | 1,198.87 | 58.08 |
|
Net Cash Inflow / Outflow
|
169.06 | 10.38 | -- | -- | 41.39 |
Ratios
Profitability Ratios
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
1.95 | 0.05 | -- | 8.77 | 10.14 |
|
ROE (%)
|
43.88 | 0.17 | -- | 12.73 | 19.96 |
|
ROA (%)
|
6.47 | 0.04 | -- | 1.97 | 6.18 |
|
EBIT Margin (%)
|
74.21 | -- | -- | -- | -- |
|
Net Margin (%)
|
49.37 | 0.33 | -- | 13.38 | 29.78 |
|
Cash Profit Margin (%)
|
0.00 | -- | -- | -- | -- |
Growth Ratios
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
-1.26 | -0.28 | -- | 0.08 | 0.12 |
|
EBIT Growth (%)
|
181.48 | -- | -- | -- | -- |
|
Net Profit Growth (%)
|
265.18 | -98.74 | 178.02 | 12.28 | 247.52 |
|
EPS Growth (%)
|
0.00 | -0.99 | 1.76 | 0.12 | 2.47 |
|
Book Value Growth (%)
|
-- | -- | -- | -- | -- |
Valuation Ratios
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
7.69 | 429.47 | -- | 11.71 | 33.36 |
|
Price / Book Value
|
1.25 | 0.75 | -- | 1.39 | 6.31 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
10.37 | 2.16 | -- | 3.99 | 18.25 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
0.00 | 0.20 | -- | 0.34 | 1.03 |
|
Short term debt to equity ratio
|
4.84 | 3.90 | -- | 0.07 | 0.37 |
|
Current Ratio
|
0.12 | 1.27 | -- | 2.49 | 1.87 |
|
Quick Ratio
|
0.12 | -- | -- | 0.85 | 0.52 |
|
Interest Coverage
|
7.08 | -- | -- | 9.90 | 3.85 |
Operating Efficiency Ratios
| Santander Consumer USA Holdings Inc (SC) | Marlin Business Services Corp (MRLN) | Galaxy Digital Holdings (GLXY) | Stifel Financial Corporation (SF) | Freedom Holding (FRHC) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
4.80 | 9.56 | -- | 39.50 | 150.26 |
|
Asset Turnover
|
0.13 | 0.13 | -- | 0.15 | 0.21 |
|
Receivable days
|
30.87 | 33.53 | -- | 168.24 | 443.07 |
|
Inventory Days
|
-- | -- | -- | 13,173.05 | 5,789.03 |
|
Payable days
|
166.38 | 513.57 | -- | 9,178.70 | 388.51 |
|
Cash Conversion Cycle
|
-- | -- | -- | 4,162.59 | 5,843.59 |