Makes vehicle loans and leases and services auto financing for consumers, dealers and other lenders; also provides retail banking, commercial lending and investment services to consumers, businesses and institutional investors.
10-K for FY2025, filed Mar 2, 2026
Most income comes from interest on loans and securities, earned over time under their contracts. It also earns fees from loan servicing as services are performed, deposit accounts monthly or per transaction, investment sales when services are completed, card transactions when purchases are processed, and underwriting when securities are purchased.
10-K for FY2025, filed Mar 2, 2026The principal source of revenue is interest income from loans and investment securities. Interest income is recognized on an accrual basis…View ↗
The Company recognizes revenue from servicing commercial mortgages and consumer loans as earned. Mortgage banking income, net includes fees…View ↗
Depository services are performed under an agreement with a customer, and those services include personal deposit account opening and…View ↗
Commission fees are earned from the selling of annuity contracts to customers on behalf of insurance companies, acting as the broker for…View ↗
The Company has entered into agreements with payment networks under which the Company will issue the payment network's credit card as part…View ↗
SanCap performs underwriting services by raising investment capital from investors on behalf of corporations that are issuing securities.…View ↗
10-K for FY2025, filed Mar 2, 2026
FY2025 revenue by product or service (In-scope of revenue from contracts with customers) ↗$12.4B
10-K for FY2025, filed Mar 2, 2026
$12.4B ↗| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Depository services
|
11%
FY2022: 22%
|
Depository services, FY2025
$128.3M Sources
|
|
|
Commission and trailer fees
Sold outright
10-K for FY2025, filed Mar 2, 2026 |
27%
FY2022: 31%
|
Commission and trailer fees, FY2025
$318.8M Sources
|
Sold outright |
|
Interchange income, net
Usage-based
|
6.8%
FY2022: 9.7%
|
Interchange income, net, FY2025
$80.2M Sources
|
Usage-based |
|
Underwriting service fees
Sold outright
10-K for FY2025, filed Mar 2, 2026 |
26%
FY2022: 12%
|
Underwriting service fees, FY2025
$306.4M Sources
|
Sold outright |
|
Asset and wealth management fees
|
29%
FY2022: 20%
|
Asset and wealth management fees, FY2025
$343M Sources
|
|
|
Other revenue from contracts with customers
|
0.7%
FY2022: 6.0%
|
Other revenue from contracts with customers, FY2025
$7.8M Sources
|
Consumers obtain vehicle loans through manufacturer-franchised dealers or the web-based direct lending program; dealers and other lenders use vehicle financing and servicing. Consumers and businesses use branch and online banking, while commercial and institutional customers receive lending and investment services.
10-K for FY2025, filed Mar 2, 2026The Company specializes in banking and consumer finance. Its consumer financing is focused on vehicle finance, servicing of third-party…View ↗
In addition to specialized consumer finance, the Company also attracts deposits and provides other retail banking services through its…View ↗
The Auto segment includes the Company's consumer and commercial auto loans and leases and the Company's commercial loans to dealers and…View ↗
Yes. It kept 13 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Mar 2, 2026
10-K for FY2025, filed Mar 2, 2026
$1.6BView ↗
10-Q for Q2 FY2026, filed Jul 31, 2026
$584.7MView ↗
10-Q for Q2 FY2026, filed Jul 31, 2026
Open tableView ↗
8-K, filed Aug 20, 2026
BOSTON – August 20, 2026 – Santander Holdings USA, Inc. (“Santander US”), the intermediate holding company for Banco Santander, S.A.…View ↗
Stellantis financing arrangement ends
The older report says SHUSA was Stellantis' preferred provider for consumer and dealer financing and had extended the arrangement; the latest report says the agreement ended, with trailing obligations for earlier originations.
10-K for FY2022, filed Mar 3, 2023 10-K for FY2025, filed Mar 2, 2026Since May 2013, under the MPLFA with Stellantis, the Company has operated as Stellantis's preferred provider for consumer loans, leases and…View ↗
From May 2013 to July 2025, under the MPLFA with Stellantis, the Company operated as Stellantis' preferred provider for consumer loans…View ↗
Loading...
