Framework Journal · one stock, one dated entry

Synchrony Financial SYF

An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.

The label
Markdown

read at $70.84

Synchrony Financial holds its Markdown at $70.84.

PHINPOOPSC
  • PHPhase · the trend structure carries the Markdown label
  • INInsiders · insiders sold, $3,651,107, latest filing 2026-05-15
  • POPositioning · no disclosures inside 60 days, left as found
  • OPOptions · no verdict drawn today, left as found
  • SCScreen · does not pass the values gate

The investor read · the season, not the day

As held on the ledger ·
PhaseMarkdown · caution
Quantitative stateThe statistical read favours the sellers, held for 260 days
Price$70.84
Valuation7.60 trailing · 7.00 forward price to earnings
Values screenFAIL · score 10.0
Beta1.36

The trader read · the latest dated commentary

The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Entered 2026-07-03 · Markdown

The dated journal · newest first, never edited

2026-07-03 Markdown $70.84 +0.0% Entry 2

The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.

2026-07-02 Markdown $70.84 Entry 1

The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.

Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.

The insider ledger · Form 4 filings, as filed

Most recent filings · SYF
DateInsiderTitleTypeSharesValue
2026-05-15 MOTHNER JONATHAN S Officer 51,258 $3,651,107
2026-05-15 MOTHNER JONATHAN S Officer 11,258 $386,149
2026-05-15 OWENS DARRELL Officer 74 $5,282
2026-05-15 COLAO DANIEL O Director 14 $999
2026-05-01 HOWSE CURTIS Officer 8,436 $645,776
2026-05-01 CASELLAS ALBERTO B Officer 5,794 $443,531
2026-05-01 COVIELLO ARTHUR W JR Director 4,000 $306,200
2026-05-01 CASELLAS ALBERTO B Officer 5,794 $198,734
2026-03-31 ZANE ELLEN M Director 883 $60,062
2026-03-31 GUTHRIE ROY A Director 883 $60,062

Public filings, recorded as found. The full tape lives at Insider Intelligence.

The political ledger · congressional disclosures

Disclosures naming SYF
DatePoliticianPartyTypeAmount
9 Apr2026 Josh Gottheimer Democrat sell 15K–50K
2026-04-13 Ro Khanna Democrat Sale 1K–15K
2026-04-09 Josh Gottheimer Democrat Sale 15K–50K
15 May2026 Ro Khanna Democrat sell 1K–15K

What holding actually paid · price plus dividends

If $1,000 had been placed · historical, not a promise
PeriodPrice thenPrice returnDivs per share$1,000 becameTotal return
1 month $70.28 -1.0% · $990 -1.0%
2 months $72.12 -3.6% $0.30 $969 -3.1%
3 months $63.71 +9.2% $0.30 $1,097 +9.7%
6 months $84.97 -18.1% $0.60 $826 -17.4%
1 year $59.76 +16.4% $1.20 $1,184 +18.4%
2 years $42.78 +62.6% $2.25 $1,679 +67.9%
3 years $31.60 +120.1% $3.25 $2,304 +130.4%
5 years $44.16 +57.5% $5.05 $1,689 +68.9%

Historical returns from market close data. Past performance does not guarantee future results.

This entry now belongs to the ledger. Whatever SYF does next, these words stay.

Synchrony Financial · SYF · Markdown · $70.84
Recorded · before the outcome · scored mechanically

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