Santander Consumer USA Holdings Inc. provided earnings guidance for the first quarter and full year of 2019. For the first quarter, the company expects net finance and other interest income to be 2% to 3% higher, driven by higher balances and rates compared to fourth quarter of 2018. It expects total other income to be up $80 million to $90 million better, in line with seasonal patterns and lower Bluestem balances. For the full 2019, it expects net finance and other interest income to be up in the mid-single digits, benefiting from higher balances.