David Scharf is ranked #321 on 13Foresight, scored on hit rate, average return versus the market, and number of calls.

David Scharf

Q: How accurate are David Scharf's stock ratings?

About 72% of David's ratings were profitable over a one-year hold, with an average return of +14.7% per rating, measured by 13Foresight from historical prices.

Citizens JMP

Wall Street Analyst

★★★★☆

#321

on 13Foresight · ranked by our own returns

72%

Success Rate

+14.8%

Average Return

26 of 36 calls profitable · +5.1% vs benchmark

Time Frame ⓘ

1 Yr 2 Yr 3 Yr 5 Yr

Compared To ⓘ

S&P 500 (SPY)

📈 Across the calls we could measure, roughly 72% of David Scharf's ratings turned a profit when each position was held for 1 year — averaging +14.8% per rating. These figures are computed by 13Foresight from historical prices, not supplied by the analyst.

Rating Distribution

47 Buy 3 Hold 1 Sell

David's Stock Coverage 27 ratings · 2026-08-12

Company	Date	Position	Consensus ⓘ	Price Target ⓘ	1-Yr Return	vs S&P 500 ⓘ
OPFI OppFi	Aug 11, 2026	BUY	Strong Buy +50.4% avg upside 6 analysts	$11.00 66.97% Upside	·	·
RELY Remitly Global	Aug 06, 2026	BUY	Strong Buy +17.2% avg upside 14 analysts	$32.00 35.55% Upside	-8.9%	·
PGY Pagaya Technologies Ltd	Jul 31, 2026	BUY	Strong Buy +23.9% avg upside 13 analysts	$25.00 17.99% Upside	+5.4%	·
OMF OneMain Holdings	Jul 30, 2026	BUY	Strong Buy -0.2% avg upside 22 analysts	$70.00 9.97% Upside	+2.0%	·
HAPN Happen	Jul 28, 2026	BUY	Strong Buy -3.7% avg upside 25 analysts	$25.00 30.08% Upside	+2.2%	·
ATLC Atlanticus Holdings	Jul 16, 2026	BUY	Strong Buy +9.7% avg upside 9 analysts	$110.00 17.58% Upside	-3.1%	·
KLAR Klarna Group Plc	Jun 30, 2026	HOLD	Buy +34.7% avg upside 21 analysts	—	-1.7%	·
ENVA Enova International	Jun 26, 2026	BUY	Strong Buy -14.3% avg upside 9 analysts	$270.00 5.06% Upside	+12.7%	·
ECPG Encore Capital	Jun 17, 2026	BUY	Strong Buy -14.7% avg upside 8 analysts	$115.00 22.91% Upside	+18.0%	·
EZPW EZCORP	May 11, 2026	BUY	Strong Buy -5.5% avg upside 12 analysts	$39.00 44.63% Upside	-19.5%	·
AFRM Affirm Holdings	Apr 17, 2026	BUY	Strong Buy +0.6% avg upside 46 analysts	$85.00 10.75% Upside	+13.7%	·
UPST Upstart Holdings	Feb 13, 2026	SELL	Buy +64.7% avg upside 26 analysts	$20.00 33.10% Downside	+1.5%	·
PRAA Pra Group	Jan 28, 2026	HOLD	Buy +74.3% avg upside 7 analysts	—	+46.3%	·
SYF Synchrony Financial	Jan 20, 2026	BUY	Strong Buy -3.7% avg upside 31 analysts	$95.00 21.01% Upside	+5.8%	·
JCAP Jefferson Capital, Inc.	Nov 14, 2025	BUY	Strong Buy +24.9% avg upside 12 analysts	$26.00 23.30% Upside	-2.0%	·
BFH Bread Financial Holdings	Sep 25, 2025	HOLD	Buy +32.1% avg upside 36 analysts	—	+85.6%	·
WU Western Union	Jul 29, 2025	HOLD	Hold +66.1% avg upside 31 analysts	—	+11.6%	·
OPRT Oportun Financial	May 13, 2025	HOLD	Buy +7.9% avg upside 10 analysts	—	-27.3%	·
IMXI International Money Express	Feb 28, 2025	HOLD	Buy +55.0% avg upside 11 analysts	—	+3.0%	·
RM Regional Management	Feb 06, 2025	HOLD	Buy -3.4% avg upside 8 analysts	—	+1.8%	·
PYPL PayPal Holdings	Apr 17, 2024	BUY	Buy +28.3% avg upside 78 analysts	$70.00 18.71% Upside	-3.6%	·
XYZ Block	Feb 23, 2024	HOLD	Strong Buy +21.8% avg upside 74 analysts	—	-13.4%	·
CACC Credit Acceptance	Apr 22, 2022	HOLD	Hold -27.4% avg upside 10 analysts	—	-11.8%	·
FCFS FirstCash	Apr 22, 2022	HOLD	Strong Buy -10.7% avg upside 10 analysts	—	+36.6%	·
CPSS Consumer Portfolio Services	Jan 06, 2021	BUY	Strong Buy -21.8% avg upside 5 analysts	$5.00 45.59% Downside	+182.3%	·
AXP American Express	Apr 19, 2018	HOLD	Buy -14.0% avg upside 47 analysts	—	+12.7%	·
GDOT Green Dot	Jan 13, 2014	BUY	Buy +129.6% avg upside 22 analysts	$30.00 123.63% Upside	-18.7%	·

🔒 22 more ratings — with price targets, crowd consensus and our measured returns.

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David Scharf — Frequently Asked Questions

How accurate are David Scharf's stock ratings?

Based on the calls 13Foresight could measure, about 72% of David's ratings were profitable over a one-year hold, with an average return of +14.7% per rating, or +5.0% versus the S&P 500. We score every analyst the same way, from historical prices. Each return is measured in the stock's own trading currency, so for non-US listings the S&P 500 comparison leaves out currency moves.

How is David ranked on 13Foresight?

David Scharf is currently ranked #321 with a 4-star rating. Our rank blends hit rate, average return versus the market, and how many calls we have to judge — so a long, consistent record outweighs a few lucky picks. It is our own calculation, updated daily.

Which stocks does David cover?

David most recently has ratings on OPFI, RELY, PGY, OMF, HAPN, ATLC, KLAR, ENVA, ECPG, EZPW, AFRM, UPST and 15 more. See the full coverage table above for positions, price targets and our measured returns.

Where can I see other analyst ratings?

Browse the full analyst leaderboard to compare Wall Street analysts ranked by their measured performance, success rate and average return.

Disclaimer: 13Foresight compiles analyst ratings and price targets from publicly available sources. Performance metrics, rankings and star ratings shown here are calculated independently by 13Foresight from historical market prices and may differ from figures published elsewhere. This information may be incomplete, delayed or inaccurate, is provided for research and informational purposes only, and is not investment advice. The underlying ratings and opinions are those of the respective analysts and their firms; 13Foresight accepts no liability for any decisions made based on this data.

David Scharf

Rating Distribution

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