Stephens analyst Vincent Caintic recommends buying Santander Consumer (SC) shares on the weakness he attributed to the Bloomberg report that Fiat Chrysler (FCAU) may seek to form its own captive finance unit in the U.S. FCA would have to buy Santander Consumer's equity stake in the existing captive, as well as form a new captive when its own credit ratings are worse, which would mean it would have higher funding costs, argues Caintic. He thinks it would make more sense for Chrysler to buy Santander Consumer if it wants to have captive ownership. Caintic maintains an Equal Weight rating and $22 price target on Santander Consumer shares.