AnalystsInsight

David Scharf (Citizens JMP): Analyst Track Record and Price‑Target Accuracy

How often David Scharf’s price targets were reached, how fast, and what the stocks did after each call: a 7‑year backtest of 1,003 ratings, compared with the average Wall Street analyst.

Reviewed by:David, Senior AnalystPublished Oct 12, 2026Updated Oct 18, 20263 min readHow we research

What changed since Oct 12

Exent re-checks this page every day. Ratings appear 30 days after they are published; live calls are in Gems.

#429 rank (was #447)+1 new rating (ENVA)

Key takeaways

David Scharf ranks #412 of 1,000 analysts in Exent’s scoring (4.8★).
48.1% of price targets were reached over 7 years, versus 52.4% for the average analyst.
Median time to reach a target: 99 days; 53.4% of calls were up 12 months later.
Most‑covered stocks: ATLC, RELY, PGY, AFRM.
Free on Exent: David Scharf’s full record, with ratings 3 days after publication.

In this article

David Scharf’s track record at a glance
How fast price targets were reached
Stocks David Scharf covers most
David Scharf’s latest ratings
How Exent scores analysts

David Scharf’s track record at a glance

David Scharf of Citizens JMP ranks #412 of the 1,000 analysts Exent scores, with a 4.8★ rating and a focus on financials. Over a 7‑year lookback, 48.1% of David’s price targets were reached, 4.3 points below the 52.4% average across all analysts.

Metric	David Scharf	All analysts
Price‑target hit rate	48.1%	52.4%
Median days to hit target	99 days	91 days
Calls up after 12 months	53.4%	64.0%
Median 12‑month return of calls	+3.2%	+13.4%
Hit rate, last 2 years	63.5%	—
Average worst drop after a call	−28.0%	—
Ratings in the sample	1,003	—
Stocks covered	25	—

The full records of Exent’s top 90 analysts and the top 50 of each sector, and the stocks where several of them agree right now, are members‑only in Exent Gems.

See the top-ranked analysts in Gems

How fast price targets were reached

Time to reach the target	David Scharf
Under 30 days	14.8%
30–90 days	28.6%
90–180 days	28.6%
Over 180 days	28.0%

Share of the targets that were reached, by how long they took. Targets are usually set for 12 months.

Stocks David Scharf covers most

Stock	Ratings in the sample
ATLC	44
RELY	33
PGY	32
AFRM	32
ENVA	29
OPFI	28
PRAA	28
ECPG	26

In the past year David’s ratings were 94% Buy, 4% Hold and 2% Sell.

David Scharf’s latest ratings

Date	Stock	Action	Rating	Price target
Sep 15, 2026	ENVA	Reiterated: Buy	Buy	$215.00
Aug 11, 2026	OPFI	Reiterated: Buy	Buy	$11.00
Aug 6, 2026	RELY	Reiterated: Buy	Buy	$32.00
Jul 31, 2026	PGY	Reiterated: Buy	Buy	$25.00
Jul 30, 2026	OMF	Reiterated: Buy	Buy	$70.00
Jul 28, 2026	HAPN	Reiterated: Buy	Buy	$25.00
Jul 16, 2026	RELY	Reiterated: Buy	Buy	$30.00
Jul 16, 2026	ATLC	Reiterated: Buy	Buy	$110.00
Jun 30, 2026	KLAR	Initiated Coverage: Hold	Hold	$0.00
Jun 26, 2026	ENVA	Reiterated: Buy	Buy	$270.00
Jun 26, 2026	ENVA	Maintained: Buy	Buy	$270.00
Jun 17, 2026	ECPG	Reiterated: Buy	Buy	$115.00

Sep 15, 2026
Stock
ENVA
Action
Reiterated: Buy
Rating
Buy
Price target
$215.00
Aug 11, 2026
Stock
OPFI
Action
Reiterated: Buy
Rating
Buy
Price target
$11.00
Aug 6, 2026
Stock
RELY
Action
Reiterated: Buy
Rating
Buy
Price target
$32.00
Jul 31, 2026
Stock
PGY
Action
Reiterated: Buy
Rating
Buy
Price target
$25.00
Jul 30, 2026
Stock
OMF
Action
Reiterated: Buy
Rating
Buy
Price target
$70.00
Jul 28, 2026
Stock
HAPN
Action
Reiterated: Buy
Rating
Buy
Price target
$25.00
Jul 16, 2026
Stock
RELY
Action
Reiterated: Buy
Rating
Buy
Price target
$30.00
Jul 16, 2026
Stock
ATLC
Action
Reiterated: Buy
Rating
Buy
Price target
$110.00
Jun 30, 2026
Stock
KLAR
Action
Initiated Coverage: Hold
Rating
Hold
Price target
$0.00
Jun 26, 2026
Stock
ENVA
Action
Reiterated: Buy
Rating
Buy
Price target
$270.00
Jun 26, 2026
Stock
ENVA
Action
Maintained: Buy
Rating
Buy
Price target
$270.00
Jun 17, 2026
Stock
ECPG
Action
Reiterated: Buy
Rating
Buy
Price target
$115.00

David’s ratings are free on Exent 3 days after publication. Exent Gems has them the same day, with the calls of the top‑ranked analysts and the stocks where several of them agree.

See the top-ranked analysts in Gems

How Exent scores analysts

Exent replays every rating with a price target over a 7‑year lookback: was the target reached, how long it took, and what the stock returned 1, 3, 6 and 12 months after the call. The star rating and rank combine success rate, average return and the number of ratings, so a few lucky calls do not make a top analyst. Statistics as of Jun 24, 2026; ranking updated Oct 20, 2026. How accurate are analyst price targets overall?

Past performance does not guarantee future results. Historical figures are calculated by Exent from market data and are for education only; they are not investment advice or a recommendation to buy or sell any security.

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Exent Gems shows David Scharf’s live ratings and those of the top‑ranked analysts, without the 30‑day delay used on this page.
Gems are the stocks where several 4★+ analysts agree: Exent’s shortlist of high‑conviction ideas.
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Frequently asked questions

By Exent’s scoring David Scharf ranks #412 of 1,000 with a 4.8★ rating. 48.1% of price targets were reached over a 7-year lookback (all analysts: 52.4%), and 53.4% of calls were up 12 months later. Past accuracy does not guarantee future accuracy.

David Scharf’s success rate is 54.3% by the ranking source and 48.1% by Exent’s price-target hit-rate backtest, with a median of 99 days to reach a target.

David Scharf (Citizens JMP) covers 25 stocks, mostly in financials. The most frequently rated are ATLC, RELY, PGY, AFRM, ENVA.

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DISCLAIMER: Exent AI is an informational research platform and does not provide investment advice, financial advice, or act as an investment adviser, broker-dealer, or fiduciary. All content, analytics, and model outputs are provided for educational and informational purposes only and should not be relied upon as a recommendation to buy, sell, or hold any financial instrument. Investing involves risk, including the possible loss of principal. Exent AI does not execute trades, hold customer funds, or provide brokerage services. Past performance and hypothetical results are not indicative of future results. Third-party data and AI-generated outputs may be incomplete or inaccurate.

What changed since Oct 12

Key takeaways

Are Analyst Price Targets Accurate? 7 Years of Data

How to Follow Wall Street Analysts the Smart Way: Track Records, Not Headlines

What Are Exent Gems? Top‑Analyst Agreement Explained