Janney Capital analyst John Rowan noted that Cox Automotive estimates that up to half a million cars will be scrapped as a results of Hurricane Harvey, which could go a long way toward removing the increased wholesale supply of used vehicles and could lead to better pricing later in the year. If prices do firm up, credit performance should also improve, said the analyst, who "would venture to make an educated guess" that non-bank financials that cater to lower credit score consumers are at a "disproportionate advantage" in such a scenario. Companies that specialize in subprime automotive financing include Ally Financial (ALLY), America's Car-Mart (CRMT), OneMain Holdings (OMF) and Santander Consumer (SC).