SYF
Structural scoring is not meaningful for this business
Structural scoring uses gross margin, free cash flow and Altman Z — measures built for operating companies. For banks, insurers and asset managers they produce artifacts, because the cash-flow statement is dominated by lending and deposit flows rather than operations. Treat the structural and composite figures below as not comparable with other sectors, in either direction.
- Cost of goods sold is not reported, so gross margin reads as 100%
Daily closes · 1Y (252 sessions) · +14.1% · range 63.78–88.47
The Businesswhat the company reports
Business & cash flow
| OCF / assets | 8.3% |
|---|---|
| FCF / revenue | 65.8% |
| Gross margin | 100.0% |
| ROIC | 3.0% |
| Forward P/E | 7.6 |
This company does not report capital expenditure in the standard filing tag, so free cash flow cannot be derived and FCF/assets is not shown — common for asset managers, REITs, insurers and utilities. OCF/assets is shown instead, and it is the other measure Brown Bear's testing found to survive. Assets are from the latest annual filing (FY2025).
Price vs Earnings growth
Price has run ahead of forward EPS growth by 7.6pp
Confidence 95.0/100
Drivers
| Forward EPS growth | +6.5% |
|---|---|
| Trailing price return (1y) | +14.1% |
| Forward P/E compression | +6.1% |
Figures
| Trailing EPS | 9.87 |
|---|---|
| Forward EPS | 10.51 |
| Trailing P/E | 8.05 |
| Forward P/E | 7.56 |
Revisions
Stable (+0.1%, 10 dates)
Takeaway Price and forward earnings growth are broadly in step; no strong valuation lean either way.
Share count
Diluted shares Return since the previous filing
| Direction | Shrinking — shares retired |
|---|---|
| Diluted shares | 346.0M as at 2026-03-31 |
| Change over 1 year | -15.2% |
| Change over 3 years | -43.0% |
| Public float | $24.82bn as at 2025-06-30 (10-K) |
The Pricewhat the chart is doingTop ↑
Price Levels
| Strategy | Current Price Reasonable |
|---|---|
| Reference band | 78.22 — 80.20 |
| Protective stop | 74.68 (Atr, 5.7% risk) |
| Support | 74.82 (9 touches, 6.1% away) |
| Resistance | 79.83 (0.5% away) |
Takeaway The shares are nearer the ceiling than the floor: about 0.5% below 79.83, where sellers have turned up before, and 6.1% above 74.82, where buyers have stepped in before. That floor has held 9 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 5.7% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.
Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.
Ichimoku Cloud (Adaptive)
| Daily cloud | Price ABOVE the cloud | periods 8/24/48 (92% of classic 9/26/52) |
|---|---|
| Lines | Tenkan/Kijun BULL (fresh up cross, 5d ago) | cloud twist BULL |
| Cloud thickness | 46% percentile |
| Chikou span | Above price from 26 periods ago |
| Weekly cloud | Price ABOVE the weekly cloud (context only, not scored) |
Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 73.96 to 75.60. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages agree with that.
Trailing returns
| 21 days | +8.5% |
|---|---|
| 63 days | +13.0% |
| 126 days | +7.4% |
| 252 days | +14.4% |
| Below 252d high | 10.2% |
Trend context
| Position | Above trend |
|---|---|
| Extension | Extended |
| Trend slope | Rising |
| Direction of travel | Diverging from trend |
Takeaway Positive Kalman trend with moderate extension; constructive for momentum but watch entry risk.
Volatility
| State | No recent compression |
|---|---|
| Current band width | 13.7% of price |
| Recent tightest | 11.8% (9 sessions ago, narrower than 65.0% of its history) |
| Expansion since | 1.16× |
| Band | 70.62 — 81.02 |
Takeaway Lately this share price has been swinging around inside a range roughly 14% wide. That is normal for this stock, so there is nothing unusual to read into it either way.
Historical trends
History begins when the site started recording, not when the company listed, so a short line means a short record and nothing more.
Who's Tradingthe flow behind the priceTop ↑
Insider activity
| Activity | Insider selling |
|---|---|
| Buy filings | 0 |
| Sell filings | 3 |
| Shares sold | 5,331 |
| Value sold | $410.8k |
| Latest sell | 2026-08-03 |
| Filed | Insider | Shares | Value |
|---|---|---|---|
| 2026-08-03 | Sold Owens DarrellSee remarks | 610 | $46,805 |
| 2026-08-03 | Sold Gentleman CourtneySee remarks | 721 | $55,322 |
| 2026-08-03 | Sold COVIELLO ARTHUR W JRDirector | 4,000 | $308,680 |
Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.
Volume confirmation
| Volume-price trend | Above its signal line |
|---|---|
| Confirmation | Marginal |
No absorption or distribution event in the recent window.
Takeaway Slightly more shares change hands on rising days than on falling ones, but the gap is too small to read anything into.
Options Positioning
No binary-event flag
SYF: no binary-event flag. Near IV 18%, far IV 30% (ratio 0.60), implied move 2.2%.
| Implied volatility | 18% near (9d) · 30% far (128d) |
|---|---|
| Term structure | 0.60× near/far |
| Historical volatility | 27% |
| Implied vs historical | 0.66× |
| Implied move | ±2.2% by 2026-08-21 |
| Implied move vs ATR | 0.33× |
| Skew | Call Skew (0.89×) |
| Call wall | 85.00 (+7.0% away) |
| Put wall | 72.50 (-8.7% away) |
| Gamma pin | 85.00 |
Takeaway Insuring against a move in this stock costs less for the next few weeks than for the next few months, which is the normal state of affairs and suggests no particular date is worrying anyone. Options traders are positioned for a move of around 2.2% in either direction by 2026-08-21.
Chain as at 2026-08-12. This is a risk read on whether a specific event is being priced — not a directional view.
Context & Methodthe record, and how it was builtTop ↑
Relative Rotation
Leadership Cooling
Rotation health 71.3/100; Positive Rotation.
| Rotation health | 71.3 |
|---|---|
| Rotation strength | 69.8 |
| Leg | Quadrant | RS-Ratio | RS-Mom |
|---|---|---|---|
| Stock vs sector | Leading | 117.7 | 109.6 |
| Stock vs SPY | Leading | 110.0 | 111.7 |
| Sector vs SPY | Lagging | 76.4 | 91.0 |
Direction of travel: South-East / trend strong but momentum cooling
Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.
News Headlines
- Loading headlines\u2026
Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.
Detailed Scoring
Positive signals
- Piotroski F-score 6/9 (+15.0)
- Insider conviction score (+5.0)
- Gross margin quality: 100.0% (+22.0)
- FCF margin quality: 65.8% (+20.0)
- High earnings quality (accrual ratio -0.053) (+5.0)
- Track 1: MACD histogram state (0.38) (+4.0)
- Track 1: relative strength trend improving (+5.0)
- Track 1: 20-day momentum acceleration 0.07 (+6.0)
- Track 1: bullish DI spread 24.9 (+5.0)
- Track 1: ADX 36.7 and falling (+4.0)
- Track 1: relative momentum rank 0.53 (+0.9)
- Track 1: EMA20 reclaim distance 3.6% (+5.1)
- Track 1: EMA20 slope improving 1.9% (+4.7)
- Track 1: positive MACD regime (+3.0)
- Track 1: MACD line/signal repair quality (+8.0)
- Track 1: MACD slope improving (+3.0)
- Track 1: RSI recovery 68.5, 5-day change +4.7 (+0.9)
- Track 1: VPT strength 0.03 (+0.6)
- Track 1: price above EMA50 by 5.7% (+3.6)
- Track 1: EMA50 slope improving 2.0% (+3.0)
- Track 1: EMA50 support proximity 5.7% (+0.2)
- Track 1: EMA200 support proximity 8.8% (+0.8)
- Track 1: Bollinger position 0.84 (+1.2)
- Regime convergence: MOMENTUM_BREAKOUT_CONTINUATION confidence 86.5/100 (STRONG) (+17.3)
Negative signals
- Track 1: weak volume confirmation (0.60x average)
- Track 1: MACD histogram deteriorating (-0.17)
- Below-average Altman Z-score (1.83)
Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.