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Lument Finance Trust, Inc.

LFT Real Estate Reit Mortgage

Lument Finance Trust, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.0 million, down 35.3% from fiscal 2024.

Revenue
−7.43%
EPS
−460.0%
Free cash flow
+243.3%
Total debt
+19.0%

Quarter to June 2026, against a year earlier

4.14 0.09 +2.22%
Market cap
$21.3M
P/E
0.0×
Fwd P/E
4.3×
Dividend yield
29.5%
F-score
2/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.33
Sold, $m 0.07
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 2 — — 4 — 1 — — 6 — — —
Sell — — — 1 — — — — — — — —
Insider Ownership 31.00%

Capital & Financial Ratios $m

Size
Market Cap 21.29
Revenue ttm 76.23
Net income ttm (13.72)
Free cash flow ttm 24.19
Net debt Q 846.82
Valuation
P/E 0.00
Forward P/E 4.30
Price / sales 0.28
Forward P/S Powerpack
Price / FCF 0.88
Price / book 0.14
Financial health
Current ratio Q 5.98
Debt / equity Q 4.40
Interest coverage Q 0.45
Growth
Revenue growth Q −7.43% (below 0%: shrinking)
Operating income growth Q −315.86% (below 0%: shrinking)
EPS, this year +3.57%
EPS, next year A −93.10% (below 0%: weak)
Revenue, next year A −50.57% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +25.18% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 17.1×, against a ten-year median of 24.8×; over the ten years it ranged from 8.8× in 2018 to 38.3× in 2021.
P/S against its own 10 years 0.26%
10-year low 10-year high
P/B against its own 10 years 0.26%
10-year low 10-year high
EV/Sales against its own 10 years 27.83%
10-year low 10-year high
EV/FCF against its own 10 years 7.46%
10-year low 10-year high

Dividends

Yield
29.5%
Annual rate
1.20
Payout ratio
—
Growth, 2017–25
−11.8%/yr
  1. 6.00 ’17
  2. 2.80 ’18 −53
  3. 2.95 ’19 +5
  4. 2.35 ’20 −20
  5. 3.60 ’21 +53
  6. 2.40 ’22 −33
  7. 2.60 ’23 +8
  8. 2.30 ’24 −12
  9. 2.20 ’25 −4
  10. 2.13 ’26e −3
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 52 72 27 55
Receivables — — — —
Inventory — — — —
Other — — — —
52 72 27 55
2023 2024 2025 Q'26
Payables 9 12 7 8
ST’ Debt — — — —
Other — — — —
13 15 9 9

Compound Annual Growth %

10y 5y 3y
Sales (3.64%) 18.64% 11.70%
Cash Flow 17.21% (3.74%) (14.73%)
Earnings 0.00% 0.00% 0.00%
Book Value 2.13% 14.02% (3.39%)

Earnings Trends EPS, adjusted, against the consensus

Q4 FY24 Estimate 1.00 Actual 1.00

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY24 1.30 1.50 Beat by 0.20
Q2 FY24 1.10 0.90 Miss by 0.20
Q3 FY24 1.00 1.00 Met by 0.00
Q4 FY24 1.00 1.00 Met by 0.00

EPS $

Mar Jun Sep Dec Year
’26 (0.20) (1.80) — — —
’25 (0.30) 0.50 0.10 (1.70) (1.40)
’24 1.10 0.70 1.00 0.70 3.40
’23 0.90 0.30 1.00 0.80 2.90
’22 0.50 0.40 0.10 0.20 1.10
’21 1.10 0.40 0.50 1.00 3.00
’20 0.60 0.80 1.00 1.00 3.40
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 21 19 — — —
’25 22 21 18 18 79
’24 35 31 30 26 122
’23 22 23 32 32 109
’22 10 13 15 19 57
’21 7 8 9 11 36
’20 9 8 8 8 34
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 4 1 — — —
’25 4 4 1 1 10
’24 9 5 6 6 27
’23 6 4 5 9 25
’22 5 4 3 5 16
’21 3 4 5 2 14
’20 2 3 3 4 12
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 12 — — —
’25 4 4 0 8 16
’24 9 5 6 6 27
’23 6 4 5 9 25
’22 5 4 3 5 16
’21 3 4 5 2 14
’20 2 3 3 4 12
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 93 89 59 39 34 36 57 109 122 79 76 (1.8%) 39 25 — (44.0%)
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT (10) 5 (4) 6 8 11 10 20 23 (3) (14) (13.8%)
EBT margin, % (11.20) 5.28 (6.70) 15.89 23.72 29.30 17.42 18.06 18.56 (3.46) (18.01) +7.7 pt
Net income (10) 5 (5) 6 8 11 10 20 23 (3) (14) (13.8%)
Per share, $
Per share, $ Revenue 63.60 44.46 24.97 16.49 13.48 14.51 11.73 20.91 23.36 15.09 14.53 (14.8%)
Earnings (9.53) 0.60 (3.80) 1.10 3.40 3.00 1.10 2.90 3.40 (1.40) (3.60) (19.2%)
Cash flow 1.60 2.11 5.20 3.07 4.90 5.55 3.37 4.74 5.19 1.93 1.23 +2.1%
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.12 3.38 n/m
Free cash flow 1.60 2.11 5.20 3.07 4.90 5.55 3.37 4.74 5.19 3.05 4.61 +7.5%
Book value 97.30 72.72 63.61 45.86 45.60 67.90 50.27 46.10 45.51 41.86 39.04 (8.9%)
Shares, m 1 2 2 2 2 2 5 5 5 5 5 +15.2%
Valuation, ×
Valuation, × P/E 0.00 99.75 0.00 29.36 9.62 12.80 15.67 7.73 7.37 0.00 0.00 18.2
P/S 0.81 0.90 1.15 1.96 2.43 2.65 1.60 1.11 1.10 0.93 0.28 1.5
P/B 0.71 0.74 0.60 0.70 0.72 0.85 0.49 0.66 0.75 0.46 0.14 0.7
EV/Sales 28.10 32.85 16.40 26.66 28.26 38.31 23.91 15.55 11.25 18.61 17.10 24.0
EV/FCF 1,117.80 690.86 78.78 142.96 77.75 100.13 83.19 68.65 50.66 145.62 53.88 255.6
Cash, $m
Cash, $m Operating cash flow 2 4 12 7 12 14 16 25 27 10 6 +17.6%
Capex — 0 — — — — — — — 6 18 n/m
Free cash flow 2 4 12 7 12 14 16 25 27 16 24 +23.8%
Balance, $m
Balance, $m Working capital 1,389 1,288 78 12 64 12 39 39 57 18 46 (38.4%)
Net debt 2,106 2,413 464 529 433 855 829 1,142 804 961 847 (8.3%)
Shareholders’ equity 142 146 150 109 114 169 243 241 238 219 205 +4.9%
Returns, %
Returns, % ROA (0.58) 0.05 (0.55) 0.40 1.32 0.89 0.47 1.16 1.39 (0.64) (1.75) (0.1) pt
ROIC (0.29) 0.11 (0.40) 0.61 0.91 0.65 0.58 0.89 1.36 (0.09) (0.60) +0.2 pt
ROE (11.36) 1.11 (8.12) 2.40 7.59 6.57 3.44 8.11 9.84 (4.37) (11.47) +7.0 pt
People
People Employees — — — — — 600 600 600 600 550 — (2.2%)
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.00 0.06 0.09 0.18 0.20 0.14 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Lument Finance Trust, Inc. vs peers in Reit Mortgage (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MITT TPG Mortgage Investment Trust Inc. $158.7M 6.8× 16.4× +11.99% (above 0%: growing) n/m +110.45% (above 0%: growing) 100.00% 100.45% Compare
AOMR Angel Oak Mortgage REIT Inc. $144.4M — (loss-making) 16.4× +15.82% (above 0%: growing) n/m +63.13% (above 0%: growing) 24.11% (39.27%) Compare
SUNS Sunrise Realty Trust, Inc. $90.3M 6.9× 6.4× +2.64% (above 0%: growing) −8.00% (below 0%: shrinking) +214.97% (above 0%: growing) 100.00% 61.88% Compare
CHMI Cherry Hill Mortgage Investment Corporation $90.2M 27.1× 10.8× +37.30% (above 0%: growing) n/m +812.55% (above 0%: growing) 100.00% 163.69% Compare
RPT Great Ajax Corp. $87.8M 73.7× — (loss-making) +51.83% (above 0%: growing) n/m −49.18% (below 0%: shrinking) 100.00% 46.03% Compare
SACH Sachem Capital Corp. $39.1M — (loss-making) — (loss-making) −13.16% (below 0%: shrinking) n/m −132.71% (below 0%: shrinking) 100.00% (57.54%) Compare
LOAN Manhattan Bridge Capital, Inc $37.6M 7.9× 8.1× +0.87% (above 0%: growing) 0.00% −4.59% (below 0%: shrinking) 100.00% 60.09% Compare
LFT Lument Finance Trust, Inc. $21.3M — (loss-making) 4.3× −7.43% (below 0%: shrinking) n/m +243.32% (above 0%: growing) 100.00% 34.59%
GPMT Granite Point Mortgage Trust Inc. $18.0M — (loss-making) — (loss-making) −95.96% (below 0%: shrinking) n/m −84.35% (below 0%: shrinking) 100.00% 0.00% Compare
Median of peers $89.0M 7.9× 10.8× +7.32% — +29.27% 100.00% 53.06%

All 37 Reit Mortgage stocks →

Pay and ownership Proxy statement filed 30 April 2026

Ownership

Directors and executive officers, together 3.30%
Lument Investment Holdings, LLC 27.30%
Hunt Companies Equity Holdings, LLC 11.00%
XL Bermuda Ltd. 6.40%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Lument Finance Trust, Inc. (LFT) Latest News

18 Sep

Impact 4 ·

20 Aug

Impact 3 · · The Motley Fool transcript
Impact 3 · · Simply Wall St.

14 Aug

Impact 4 ·
Impact 3 · · Moby transcript

13 Aug

Impact 4 ·

30 Jul

Impact 3 ·

15 May

Impact 4 · · PR Newswire
Impact 3 · · Moby
Impact 3 · · MarketBeat

26 Mar

Impact 3 · · Moby

24 Mar

Impact 3 · · GuruFocus.com
Impact 3 · · MarketBeat

23 Mar

Impact 4 · · Associated Press Finance
Impact 4 · · PR Newswire

11 Dec

Impact 3 · · PR Newswire

10 Dec

Impact 4 · · PR NewswireAssociated Press FinanceGuruFocus.comMT NewswiresMT NewswiresMT NewswiresMT NewswiresInsider Monkey

28 Nov

Impact 3 · · Simply Wall St.

21 Nov

Impact 4 · · PR Newswire

13 Nov

Impact 3 · · GuruFocus.com transcript

12 Nov

Impact 3 · · Associated Press Finance
Impact 3 · · PR Newswire

16 Sep

Impact 3 ·

8 Aug

Impact 3 ·
Impact 3 ·

20 Jun

Impact 3 · · PR Newswire

14 May

Impact 3 · · GuruFocus.com

12 May

Impact 3 ·

2 May

Impact 3 ·

21 Mar

Impact 3 · · Simply Wall St.
stockrow.com/LFT · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com