Santander Consumer USA Holdings Inc. provided earnings guidance for the first quarter of 2018. For the quarter, the company expects net finance and other interest income to be flat to up 2%, depending on origination volumes, including leases and the timing of Santander sales. Operating expenses are expected to be up $20 million to $40 million. Effective tax rate to be slightly above 21%, most of the tax benefits to support SC's growth in pre shareholder returns and further increase professional development initiatives for its employees.