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The differentiator

Understanding P&L decomposition

If someone says your P&L is +$540, the most useful follow-up isn't 'why?' — it's 'which Greek contributed how much?' That's decomposition.

In the Playground's Time Machine, you'll see a scenario broken into four dollar contributions:

  • Δ contribution — dollars from the underlying moving
  • Γ contribution — dollars from your delta shifting during the move
  • Θ contribution — dollars from time passing
  • Vega contribution — dollars from implied volatility changing

Plus a fifth number — the residual— which we'll come back to.

The formula behind each contribution

Each contribution comes from a first-order Taylor approximation. In plain terms:

  • Δ contribution = initial Delta × dS
  • Γ contribution = ½ × initial Gamma × dS²
  • Θ contribution = initial Theta × days forward
  • Vega contribution = initial Vega × Δ IV (in vol-points)

The Playground shows the formula next to each row, so you can watch the math happen with your actual numbers.

Why the residual exists

Greeks measure sensitivity at a specific point. As soon as the underlying moves, those sensitivities change too — gamma itself depends on price. Higher-order effects (like “the change in gamma as spot moves”) aren't captured by the first-order contributions. The residual is what's left over.

A small residual (a few dollars) means the first-order Greeks tell the whole story. A large residual (more than ~10% of actual P&L) means the shock was too big for the linear approximation — and the Playground shows an amber warning to tell you so.

Why this beats a payoff diagram

A payoff diagram shows you the destination. Decomposition shows you the journey. If a trade lost money, decomposition answers questions like: “Did it lose because the stock moved against me, or because IV crushed after I put the trade on?” Those are very different lessons.

Try it in the Playground

The concepts above are more concrete when you can see them move. Build a position and watch the numbers.

Open the Playground