Financials

25 names scored on v5.0 · vintage 2026-08-15 · data as of 2026-10-04.

Cohort

25 tickers

Financials: 15 Universe + 10 Watchlist, 2026-08-15 vintage (6-of-8 OR trailing run ≥4; watchlist one vintage short)

Scoring

v5.0

v4.0 absolute bands, unchanged, plus the §5.1 CV compounder-waiver. Scores are independent of cohort size.

Top Quality

none. Tier cuts 78 / 64 / 48.

Gated

7 of 25

CV>1.00 unless waived · sign change ≥1 · >300% ≥2 · TTM/Peak<85 — waiver lifts CUBI

#	Ticker	Final	Tier	CV	Gap %	Slope	Persistence	Latest	Basis	Gate
1	EVR	74.5	Strong	0.44	7.7	10.23	XX.X.XX. · W	Q2 FY26	Adj	—
2	BNY	74.3	Strong	0.25	1.2	6.59	.XXXXXXX · U	Q2 FY26	Adj · TICKER-CHG	—
3	WT	73.7	Strong	0.44	7.0	9.84	X..X.XXX · W	Q2 FY26	Adj	—
4	IBKR	73.6	Strong	0.39	6.6	6.67	XXXXXXXX · U	Q2 FY26	Adj · RECAST, SPLIT-ADJ	—
5	CBOE	68.3	Strong	0.69	15.1	8.24	..XXXXXX · U	Q2 FY26	Adj	—
6	FCFS	68.0	Strong	0.48	6.3	5.82	..XXXXXX · U	Q2 FY26	Adj · M&A	—
7	ENVA	65.3	Strong	0.26	-9.5	7.57	XX..XXXX · U	Q2 FY26	Adj · M&A-PENDING	—
8	AMG	65.2	Strong	0.87	20.1	8.17	X..XXX.X · W	Q2 FY26	Adj	—
9	BFC	64.6	Strong	0.52	4.6	5.44	.....XXX · W	Q2 FY26	Adj · RECAST, GAAP-PAIR-YOY	—
10	BPOP	59.3	Moderate	0.50	-4.6	9.34	XXXXXXXX · U	Q2 FY26	GAAP · GAAP-ONLY	—
11	AAMI	51.6	Moderate	0.70	-4.4	8.08	...XXXXX · U	Q2 FY26	Adj	—
12	GS	51.2	Moderate	0.69	-7.2	10.12	XX.XXXXX · U	Q2 FY26	GAAP · GAAP-ONLY	—
13	SPNT	50.0	Flagged	63.02	41.8	7.84	..XX.XXX · W	Q2 FY26	Adj · RECAST, GAAP-PAIR-YOY	—
14	CUBI	47.5	Weak	2.55	23.3	6.64	X..XXXXX · U	Q2 FY26	Adj	CV waived
15	AX	45.7	Weak	0.98	1.6	3.42	XX.X.X.X · W	Q4 FY26	Adj	—
16	JPM	42.8	Flagged	1.37	2.8	6.11	XXXXXX.X · U	Q2 FY26	GAAP · GAAP-ONLY	—
17	CB	42.4	Flagged	3.64	63.3	0.15	X....XXX · W	Q2 FY26	Adj · RECAST	—
18	MS	42.2	Weak	0.86	-10.8	8.10	XX.XXXXX · U	Q2 FY26	GAAP · GAAP-ONLY	—
19	COF	39.8	Weak	0.83	-9.6	4.00	XXXXX... · W	Q2 FY26	Adj	—
20	ALL	38.4	Weak	0.88	-32.8	12.67	X.XXX..X · W	Q2 FY26	Adj	—
21	VIRT	33.9	Weak	0.97	-47.4	11.08	XXXX..XX · U	Q2 FY26	Adj	—
22	C	33.2	Flagged	1.38	-12.0	10.50	..XXXX.X · W	Q2 FY26	GAAP · GAAP-ONLY	—
23	TRV	30.3	Flagged	1.15	-29.5	8.86	X..XXXXX · U	Q2 FY26	Adj	—
24	STT	18.6	Flagged	1.57	-45.7	5.46	....XXXX · U	Q2 FY26	GAAP · GAAP-ONLY, PARTIAL-WINDOW	—
25	ORI	12.9	Flagged	4.85	-12.3	-1.55	XXXXXX.. · U	Q2 FY26	Adj	—

EPS is adjusted diluted EPS from the company's release, GAAP where it publishes no adjusted figure. The sparkline runs oldest to newest. Persistence is the All Stars vintage pattern over eight quarters (U universe, W watchlist). Tier cuts 78 / 64 / 48; a gated name is capped at 50.

Observations

The roster is every Financials name the universe rule admits. 15 qualify outright and 10 are on the watchlist, one vintage short. 19 names are new to the cohort: EVR, IBKR, AMG, BFC, BPOP, AAMI, GS, SPNT, CUBI, AX, JPM, CB, MS, COF, ALL, VIRT, C, TRV, ORI. 4 roster name(s) could not be scored and are listed in the forensic table: FBP, HUT, SNEX, VCTR.
Scores are on a new scale. The previous file scored on cohort-relative percentiles; v5.0 uses fixed absolute bands, so the two are not comparable name by name. Rank correlation on the 6 carried names is +0.029.
The §5.1 waiver lifts 1 name(s): CUBI. Each has CV above 1.00 from a seasonal or single-outlier quarter, but a TTM path that rises in all four steps, fits a line at R² ≥ 0.95 and stays within 0.15 dispersion.
2 names were rolled forward a quarter. WT 45.0 → 73.7; CBOE 50.0 → 68.3.
6 name(s) are scored on GAAP EPS because the company publishes no adjusted figure: BPOP, GS, JPM, MS, C, STT. A one-time charge stays in a GAAP series and can only make it look less consistent, never more — so a high score on a GAAP-ONLY name was earned on the harder basis, and a low one is a prompt to check the window for a one-time item.
Every new figure is tied to two company documents. A rolled quarter must sit beside the stored prior-year comparator in its release; each quarter of an added name must reappear as the year-ago (or prior-quarter) figure in a later release.