Santander Consumer USA Holdings Inc. reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2015. For the fourth quarter, the company reported interest on finance receivables and loans of $1,319,359,000 against $1,150,242,000 a year ago. Total finance and other interest income was $1,749,889,000 against $1,455,210,000 a year ago. Net finance and other interest income was $1,255,547,000 against $1,073,267,000 a year ago. Net finance and other interest income after provision for credit losses was $455,569,000 against $513,743,000 a year ago. Net finance and other interest income after provision for credit losses and profit sharing was $444,920,000 against $505,591,000 a year ago. Income before income taxes was $108,975,000 against $408,591,000 a year ago. Net income attributable to company shareholders was $67,743,000 against $247,033,000 a year ago. Diluted net income per common share was $0.19 against $0.69 a year ago. Return on average assets was 0.8% against 3.1% a year ago. Return on average equity was 6.1% against 29.1% a year ago. Adjusted return on average assets was 0.8% against 3.1% a year ago.

For the nine months, the company reported interest on finance receivables and loans of $5,205,261,000 against $4,631,847,000 a year ago. Total finance and other interest income was $6,736,824,000 against $5,569,660,000 a year ago. Net finance and other interest income was $4,921,050,000 against $4,306,221,000 a year ago. Net finance and other interest income after provision for credit losses was $2,032,216,000 against $1,689,278,000 a year ago. Net finance and other interest income after provision for credit losses and profit sharing was $1,974,732,000 against $1,614,353,000 a year ago. Income before income taxes was $1,339,351,000 against $1,209,988,000 a year ago. Net income attributable to company shareholders was $866,357,000 against $766,349,000 a year ago. Diluted net income per common share was $2.41 against $2.15 a year ago. Return on average assets was 2.5% against 2.6% a year ago. Return on average equity was 21.1% against 24.7% a year ago. Adjusted return on average assets was 2.5% against 2.8% a year ago.

For the quarter, the company reported net charge offs of $658,432,000 against $492,434,000 a year ago.