Terry Ma Score: 40
Analyst at
Barclays
Avg Return (Buy)
How much profit would you make?
Calculates the average return of all BUY recommendations after exactly 1 year (or today if newer).
Note: Sell ratings are ignored here to focus on investment potential.
Calculates the average return of all BUY recommendations after exactly 1 year (or today if newer).
Note: Sell ratings are ignored here to focus on investment potential.
+3.8%
1 Year Cap
Win Rate
How often is the direction correct?
Percentage of trades that are currently profitable.
• Buy: Stock price went UP 📈
• Sell: Stock price went DOWN 📉
Percentage of trades that are currently profitable.
• Buy: Stock price went UP 📈
• Sell: Stock price went DOWN 📉
41%
19 W / 27 L
Target Met
How often was the target reached?
Hits vs. Total.
Hits vs. Total.
82%
32 W / 7 L
Precision Hit
How often precise (±3%)?
Hits vs. Total.
Hits vs. Total.
23%
9 W / 30 L
Bullseye Hit
How often perfect (±1%)?
Hits vs. Total.
Hits vs. Total.
13%
5 W / 34 L
High Conviction
The "Brave" Trades (>20% Upside)
Win Rate only for recommendations where the analyst predicted a massive move (>20%).
Shows if they are right when they bet big.
Win Rate only for recommendations where the analyst predicted a massive move (>20%).
Shows if they are right when they bet big.
50%
4 W / 4 L
Long Wins
Success rate for BUY ratings
How often is the analyst right when saying "Buy"?
(Price went UP).
How often is the analyst right when saying "Buy"?
(Price went UP).
42%
13 W / 18 L
Short Wins
Success rate for SELL ratings
How often is the analyst right when saying "Sell"?
(Price went DOWN).
How often is the analyst right when saying "Sell"?
(Price went DOWN).
40%
6 W / 9 L
Coverage & Price Targets
| Date | Stock | Signal | Target | Start Price | Best Price (1Y) | Accuracy | Current Price |
|---|---|---|---|---|---|---|---|
| Oct 23, 2026 |
First American Financial Corp
FAF
|
BUY |
$75.00
Est. +15%
|
$65.07 | $68.46 |
Pending
|
$67.67
+4.0%
|
| Oct 21, 2026 |
Synchrony Financial
SYF
|
BUY |
$94.00
Est. +28%
|
$73.36 | $77.76 |
Pending
|
$75.03
+2.3%
|
| Oct 21, 2026 |
AGNC Investment Corp
AGNC
|
BUY |
$9.00
Est. +2%
|
$8.80 | $9.06 |
Bullseye Hit (±1%)
|
$8.87
+0.8%
|
| Oct 05, 2026 |
Bread Financial Holdings Inc
BFH
|
BUY |
$110.00
Est. +12%
|
$98.05 | $109.84 |
Bullseye Hit (±1%)
|
$104.83
+6.9%
|
| Aug 07, 2026 |
UWM Holdings Corporation - Ordinary Shares - Class A
UWMC
|
BUY |
$2.00
Est. +67%
|
$1.20 | $1.92 |
Pending
|
$1.68
+40.0%
|
| Jul 07, 2026 |
Bread Financial Holdings Inc
BFH
|
BUY |
$104.00
Est. +0%
|
$103.52 | $114.12 |
Target Met
|
$104.83
+1.3%
|
| Jul 07, 2026 |
PennyMac Financial Services Inc.
PFSI
|
BUY |
$93.00
Est. +11%
|
$83.75 | $87.70 |
Pending
|
$67.56
-19.3%
|
| Apr 30, 2026 |
Navient Corp
NAVI
|
SELL |
$8.00
Est. +16%
|
$9.51 | $7.33 (Low) |
Target Met
|
$9.07
+4.6%
|
| Apr 24, 2026 |
SLM Corp.
SLM
|
BUY |
$30.00
Est. +28%
|
$23.42 | $28.27 |
Pending
|
$18.68
-20.2%
|
| Feb 19, 2026 |
BrightSpire Capital Inc - Ordinary Shares - Class A
BRSP
|
BUY |
$6.00
Est. +3%
|
$5.83 | $6.13 |
Precision Hit (±3%)
|
$3.68
-36.9%
|
| Feb 13, 2026 |
First American Financial Corp
FAF
|
BUY |
$70.00
Est. +6%
|
$66.14 | $79.87 |
Target Met
|
$67.67
+2.3%
|
| Jan 30, 2026 |
Bread Financial Holdings Inc
BFH
|
SELL |
$64.00
Est. +12%
|
$73.03 | $68.58 (Low) |
Pending
|
$104.83
-43.5%
|
| Jan 30, 2026 |
Annaly Capital Management Inc
NLY
|
BUY |
$24.00
Est. 0%
|
$24.00 | $24.40 |
Precision Hit (±3%)
|
$18.93
-21.1%
|
| Jan 06, 2026 |
PennyMac Financial Services Inc.
PFSI
|
BUY |
$158.00
Est. +18%
|
$134.26 | $160.36 |
Precision Hit (±3%)
|
$67.56
-49.7%
|
| Jan 06, 2026 |
Bread Financial Holdings Inc
BFH
|
SELL |
$61.00
Est. +20%
|
$76.30 | $67.78 (Low) |
Pending
|
$104.83
-37.4%
|
| Jan 06, 2026 |
SoFi Technologies Inc
SOFI
|
SELL |
$28.00
Est. +4%
|
$29.28 | $13.88 (Low) |
Target Met
|
$17.38
+40.6%
|
| Jan 06, 2026 |
Essent Group Ltd
ESNT
|
SELL |
$65.00
Est. +1%
|
$65.53 | $55.35 (Low) |
Target Met
|
$69.35
-5.8%
|
| Jan 06, 2026 |
AGNC Investment Corp
AGNC
|
SELL |
$10.00
Est. +10%
|
$11.07 | $8.33 (Low) |
Target Met
|
$8.87
+19.9%
|
| Oct 22, 2025 |
Capital One Financial Corp.
COF
|
BUY |
$271.00
Est. +21%
|
$223.59 | $259.64 |
Miss
|
$206.27
-7.7%
|
| Oct 06, 2025 |
UWM Holdings Corporation - Ordinary Shares - Class A
UWMC
|
BUY |
$7.00
Est. +17%
|
$5.98 | $6.15 |
Miss
|
$1.68
-71.9%
|
| Oct 06, 2025 |
Bread Financial Holdings Inc
BFH
|
SELL |
$50.00
Est. +10%
|
$55.71 | $53.83 (Low) |
Miss
|
$104.83
-88.2%
|
| Oct 06, 2025 |
Rocket Companies Inc - Ordinary Shares Class A
RKT
|
BUY |
$19.00
Est. +7%
|
$17.80 | $24.36 |
Target Met
|
$15.00
-15.7%
|
| Jul 23, 2025 |
Synchrony Financial
SYF
|
BUY |
$80.00
Est. +13%
|
$70.66 | $88.77 |
Target Met
|
$75.03
+6.2%
|
| Feb 27, 2025 |
Aercap Holdings N.V.
AER
|
BUY |
$115.00
Est. +12%
|
$102.34 | $154.94 |
Target Met
|
$165.76
+62.0%
|
| Oct 24, 2024 |
SLM Corp.
SLM
|
BUY |
$26.00
Est. +14%
|
$22.80 | $34.97 |
Target Met
|
$18.68
-18.1%
|
| Oct 08, 2024 |
PennyMac Financial Services Inc.
PFSI
|
BUY |
$125.00
Est. +18%
|
$106.11 | $130.02 |
Target Met
|
$67.56
-36.3%
|
| Oct 08, 2024 |
Bread Financial Holdings Inc
BFH
|
SELL |
$35.00
Est. +28%
|
$48.30 | $38.21 (Low) |
Miss
|
$104.83
-117.0%
|
| Oct 08, 2024 |
UWM Holdings Corporation - Ordinary Shares - Class A
UWMC
|
BUY |
$8.00
Est. +9%
|
$7.33 | $7.60 |
Miss
|
$1.68
-77.1%
|
| Oct 08, 2024 |
SLM Corp.
SLM
|
BUY |
$27.00
Est. +18%
|
$22.93 | $34.97 |
Target Met
|
$18.68
-18.5%
|
| Oct 08, 2024 |
Mr. Cooper Group Inc
COOP
|
BUY |
$108.00
Est. +18%
|
$91.36 | $234.73 |
Target Met
|
$210.79
+130.7%
|
| Aug 02, 2024 |
Air Lease Corp - Ordinary Shares - Class A
AL
|
BUY |
$54.00
Est. +13%
|
$47.71 | $60.41 |
Target Met
|
$65.00
+36.2%
|
| Jul 31, 2024 |
NMI Holdings Inc
NMIH
|
BUY |
$43.00
Est. +10%
|
$39.20 | $43.20 |
Bullseye Hit (±1%)
|
$43.96
+12.1%
|
| Jul 18, 2024 |
Synchrony Financial
SYF
|
SELL |
$49.00
Est. +6%
|
$52.22 | $40.55 (Low) |
Target Met
|
$75.03
-43.7%
|
| Jul 18, 2024 |
Aercap Holdings N.V.
AER
|
BUY |
$111.00
Est. +16%
|
$95.84 | $118.03 |
Target Met
|
$165.76
+73.0%
|
| Jul 09, 2024 |
SoFi Technologies Inc
SOFI
|
BUY |
$8.00
Est. +26%
|
$6.35 | $20.89 |
Target Met
|
$17.38
+173.7%
|
| Jul 09, 2024 |
UWM Holdings Corporation - Ordinary Shares - Class A
UWMC
|
SELL |
$6.00
Est. +9%
|
$6.62 | $3.80 (Low) |
Target Met
|
$1.68
+74.6%
|
| Jul 09, 2024 |
MGIC Investment Corp
MTG
|
SELL |
$21.00
Est. +1%
|
$21.29 | $21.21 (Low) |
Bullseye Hit (±1%)
|
$29.11
-36.7%
|
| May 01, 2024 |
OneMain Holdings Inc
OMF
|
BUY |
$55.00
Est. +6%
|
$52.11 | $58.90 |
Target Met
|
$57.97
+11.2%
|
| Apr 16, 2024 |
Air Lease Corp - Ordinary Shares - Class A
AL
|
BUY |
$55.00
Est. +14%
|
$48.22 | $52.31 |
Miss
|
$65.00
+34.8%
|
| Apr 09, 2024 |
American Express Co.
AXP
|
SELL |
$221.00
Est. +1%
|
$224.11 | $220.43 (Low) |
Bullseye Hit (±1%)
|
$332.62
-48.4%
|
| Apr 09, 2024 |
PennyMac Financial Services Inc.
PFSI
|
BUY |
$112.00
Est. +24%
|
$90.04 | $119.13 |
Target Met
|
$67.56
-25.0%
|
| Apr 09, 2024 |
Discover Financial Services
DFS
|
SELL |
$120.00
Est. +5%
|
$125.71 | $122.37 (Low) |
Precision Hit (±3%)
|
$200.05
-59.1%
|
First American Financial Corp
FAF
Oct 23, 2026
Signal & Target
BUY
$75.00
Start Price
$65.07
Best Price (1Y)
$68.46
Current Price
$67.67
Return
+4.0%
Synchrony Financial
SYF
Oct 21, 2026
Signal & Target
BUY
$94.00
Start Price
$73.36
Best Price (1Y)
$77.76
Current Price
$75.03
Return
+2.3%
AGNC Investment Corp
AGNC
Oct 21, 2026
Signal & Target
BUY
$9.00
Start Price
$8.80
Best Price (1Y)
$9.06
Current Price
$8.87
Return
+0.8%
Bread Financial Holdings Inc
BFH
Oct 05, 2026
Signal & Target
BUY
$110.00
Start Price
$98.05
Best Price (1Y)
$109.84
Current Price
$104.83
Return
+6.9%
Signal & Target
BUY
$2.00
Start Price
$1.20
Best Price (1Y)
$1.92
Current Price
$1.68
Return
+40.0%
Bread Financial Holdings Inc
BFH
Jul 07, 2026
Signal & Target
BUY
$104.00
Start Price
$103.52
Best Price (1Y)
$114.12
Current Price
$104.83
Return
+1.3%
PennyMac Financial Services Inc.
PFSI
Jul 07, 2026
Signal & Target
BUY
$93.00
Start Price
$83.75
Best Price (1Y)
$87.70
Current Price
$67.56
Return
-19.3%
Navient Corp
NAVI
Apr 30, 2026
Signal & Target
SELL
$8.00
Start Price
$9.51
Best Price (1Y)
$7.33
Current Price
$9.07
Return
+4.6%
SLM Corp.
SLM
Apr 24, 2026
Signal & Target
BUY
$30.00
Start Price
$23.42
Best Price (1Y)
$28.27
Current Price
$18.68
Return
-20.2%
Signal & Target
BUY
$6.00
Start Price
$5.83
Best Price (1Y)
$6.13
Current Price
$3.68
Return
-36.9%
First American Financial Corp
FAF
Feb 13, 2026
Signal & Target
BUY
$70.00
Start Price
$66.14
Best Price (1Y)
$79.87
Current Price
$67.67
Return
+2.3%
Bread Financial Holdings Inc
BFH
Jan 30, 2026
Signal & Target
SELL
$64.00
Start Price
$73.03
Best Price (1Y)
$68.58
Current Price
$104.83
Return
-43.5%
Annaly Capital Management Inc
NLY
Jan 30, 2026
Signal & Target
BUY
$24.00
Start Price
$24.00
Best Price (1Y)
$24.40
Current Price
$18.93
Return
-21.1%
PennyMac Financial Services Inc.
PFSI
Jan 06, 2026
Signal & Target
BUY
$158.00
Start Price
$134.26
Best Price (1Y)
$160.36
Current Price
$67.56
Return
-49.7%
Bread Financial Holdings Inc
BFH
Jan 06, 2026
Signal & Target
SELL
$61.00
Start Price
$76.30
Best Price (1Y)
$67.78
Current Price
$104.83
Return
-37.4%
SoFi Technologies Inc
SOFI
Jan 06, 2026
Signal & Target
SELL
$28.00
Start Price
$29.28
Best Price (1Y)
$13.88
Current Price
$17.38
Return
+40.6%
Essent Group Ltd
ESNT
Jan 06, 2026
Signal & Target
SELL
$65.00
Start Price
$65.53
Best Price (1Y)
$55.35
Current Price
$69.35
Return
-5.8%
AGNC Investment Corp
AGNC
Jan 06, 2026
Signal & Target
SELL
$10.00
Start Price
$11.07
Best Price (1Y)
$8.33
Current Price
$8.87
Return
+19.9%
Capital One Financial Corp.
COF
Oct 22, 2025
Signal & Target
BUY
$271.00
Start Price
$223.59
Best Price (1Y)
$259.64
Current Price
$206.27
Return
-7.7%
Signal & Target
BUY
$7.00
Start Price
$5.98
Best Price (1Y)
$6.15
Current Price
$1.68
Return
-71.9%
Bread Financial Holdings Inc
BFH
Oct 06, 2025
Signal & Target
SELL
$50.00
Start Price
$55.71
Best Price (1Y)
$53.83
Current Price
$104.83
Return
-88.2%
Rocket Companies Inc - Ordinary Shares Class A
RKT
Oct 06, 2025
Signal & Target
BUY
$19.00
Start Price
$17.80
Best Price (1Y)
$24.36
Current Price
$15.00
Return
-15.7%
Synchrony Financial
SYF
Jul 23, 2025
Signal & Target
BUY
$80.00
Start Price
$70.66
Best Price (1Y)
$88.77
Current Price
$75.03
Return
+6.2%
Aercap Holdings N.V.
AER
Feb 27, 2025
Signal & Target
BUY
$115.00
Start Price
$102.34
Best Price (1Y)
$154.94
Current Price
$165.76
Return
+62.0%
SLM Corp.
SLM
Oct 24, 2024
Signal & Target
BUY
$26.00
Start Price
$22.80
Best Price (1Y)
$34.97
Current Price
$18.68
Return
-18.1%
PennyMac Financial Services Inc.
PFSI
Oct 08, 2024
Signal & Target
BUY
$125.00
Start Price
$106.11
Best Price (1Y)
$130.02
Current Price
$67.56
Return
-36.3%
Bread Financial Holdings Inc
BFH
Oct 08, 2024
Signal & Target
SELL
$35.00
Start Price
$48.30
Best Price (1Y)
$38.21
Current Price
$104.83
Return
-117.0%
Signal & Target
BUY
$8.00
Start Price
$7.33
Best Price (1Y)
$7.60
Current Price
$1.68
Return
-77.1%
SLM Corp.
SLM
Oct 08, 2024
Signal & Target
BUY
$27.00
Start Price
$22.93
Best Price (1Y)
$34.97
Current Price
$18.68
Return
-18.5%
Mr. Cooper Group Inc
COOP
Oct 08, 2024
Signal & Target
BUY
$108.00
Start Price
$91.36
Best Price (1Y)
$234.73
Current Price
$210.79
Return
+130.7%
Air Lease Corp - Ordinary Shares - Class A
AL
Aug 02, 2024
Signal & Target
BUY
$54.00
Start Price
$47.71
Best Price (1Y)
$60.41
Current Price
$65.00
Return
+36.2%
NMI Holdings Inc
NMIH
Jul 31, 2024
Signal & Target
BUY
$43.00
Start Price
$39.20
Best Price (1Y)
$43.20
Current Price
$43.96
Return
+12.1%
Synchrony Financial
SYF
Jul 18, 2024
Signal & Target
SELL
$49.00
Start Price
$52.22
Best Price (1Y)
$40.55
Current Price
$75.03
Return
-43.7%
Aercap Holdings N.V.
AER
Jul 18, 2024
Signal & Target
BUY
$111.00
Start Price
$95.84
Best Price (1Y)
$118.03
Current Price
$165.76
Return
+73.0%
SoFi Technologies Inc
SOFI
Jul 09, 2024
Signal & Target
BUY
$8.00
Start Price
$6.35
Best Price (1Y)
$20.89
Current Price
$17.38
Return
+173.7%
Signal & Target
SELL
$6.00
Start Price
$6.62
Best Price (1Y)
$3.80
Current Price
$1.68
Return
+74.6%
MGIC Investment Corp
MTG
Jul 09, 2024
Signal & Target
SELL
$21.00
Start Price
$21.29
Best Price (1Y)
$21.21
Current Price
$29.11
Return
-36.7%
OneMain Holdings Inc
OMF
May 01, 2024
Signal & Target
BUY
$55.00
Start Price
$52.11
Best Price (1Y)
$58.90
Current Price
$57.97
Return
+11.2%
Air Lease Corp - Ordinary Shares - Class A
AL
Apr 16, 2024
Signal & Target
BUY
$55.00
Start Price
$48.22
Best Price (1Y)
$52.31
Current Price
$65.00
Return
+34.8%
American Express Co.
AXP
Apr 09, 2024
Signal & Target
SELL
$221.00
Start Price
$224.11
Best Price (1Y)
$220.43
Current Price
$332.62
Return
-48.4%
PennyMac Financial Services Inc.
PFSI
Apr 09, 2024
Signal & Target
BUY
$112.00
Start Price
$90.04
Best Price (1Y)
$119.13
Current Price
$67.56
Return
-25.0%
Discover Financial Services
DFS
Apr 09, 2024
Signal & Target
SELL
$120.00
Start Price
$125.71
Best Price (1Y)
$122.37
Current Price
$200.05
Return
-59.1%