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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

Santander Consumer USA Holdings Inc. (SC)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16Dec-31-15Dec-31-14Dec-31-13
   10-K10-K10-K10-K10-K10-K10-K/A10-K/A
Interest on finance receivables and loans  5,126.45,050.04,842.64,845.65,026.85,031.8 3,703.5
Leased vehicle income  2,950.62,764.32,257.7     
Other finance and interest income  13.942.233.219.915.118.2 6.0
    Total finance and other interest income  8,090.97,856.57,133.56,654.06,529.66,087.85,153.13,832.3
Interest expense — Including $77,407, $87,851 , $247,327 and $221,676 to affiliates, respectively  -1,204.3-1,331.8-1,111.8-947.7-807.5-628.8 -408.8
Leased vehicle expense  2,077.81,862.11,535.81,298.5995.5726.4476.389.4
    Net finance and other interest income  4,808.84,662.54,486.04,407.74,726.74,732.6 3,334.1
   
Credit loss expense/(benefit)          
    Net finance and other interest income after credit loss expense  2,444.42,568.82,280.42,043.92,258.51,946.7 1,620.2
   
Profit sharing          
    Net finance and other interest income after credit loss expense and profit sharing          
Investment gains (losses), net  -400.6-406.7-401.6-366.4    
Fees, commissions, and other — Including $2,965, $1,254, $10,429 and $11,127 from affiliates, respectively  343.9364.1333.5349.2382.2   
    Total other income  17.648.838.72,482.14,416.93,439.2 2,154.1
            Total other income growth  -64.0%26.1%-98.4%-43.8%28.4% -100.0%-33.3%
Compensation and benefits  552.9510.7482.8581.0498.2434.0 305.1
Repossession expense  160.4262.1264.8275.7293.4241.5201.0147.5
Other expenses — Including $2,144, $1,456, $5,679 and $3,762 to affiliates, respectively  418.0437.7346.1454.7351.9345.7 253.7
    Total operating expenses  1,131.31,210.61,093.71,311.41,143.51,021.2 706.3
    Income before income taxes  1,209.81,354.31,192.3804.01,160.71,289.6  
Income tax expense  298.9359.9276.3-368.8394.2465.6395.9427.1
    Net income  910.9994.4915.91,172.8766.5824.0725.3723.0
   
Other comprehensive income (loss):          
    Comprehensive income  887.0934.2899.01,188.8792.6822.6731.7728.4
   
Net income per common share (basic) (in dollars per share)  $2.87$2.87$2.55$3.26$2.14$2.32$725,284.00$2.09
Net income per common share (diluted) (in dollars per share)  $2.87$2.86$2.54$3.26$2.13$2.31$2.08$2.09
   
Dividends declared per common share (in dollars per share)  $0.66$0.84$0.50$0.03  $150.00$0.84
   
Weighted average common shares (basic) (in shares)  317.5347.0359.9359.6358.3355.1348.7346.2
Weighted average common shares (diluted) (in shares)  317.7347.5360.7360.3359.1356.2355.7346.2

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