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Lument Finance Trust, Inc.

Lument Finance Trust, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.0 million, down 35.3% from fiscal 2024. In the quarter to June 2026, revenue fell 7.43%, EPS fell 460.0%, free cash flow grew 243.3% and total debt rose 19.0%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

4.45 0.03 −0.67%

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Market cap: $23.6M
P/E: 0.0×
Fwd P/E: 34.0×
Dividend yield: 2.70%
F-score: 2/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.44

Total sells 0.07

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	3	3	—	—	4	—	1	—	—	6	—	—
Sell	—	—	—	—	1	—	—	—	—	—	—	—

Insider Ownership 31.00%

Capital & Financial Ratios $m

Market Cap 23.55

Revenue 76.23

Net Income (13.72)

Free Cash Flow 24.19

Net Debt 846.82

Current Ratio 5.98

Debt/Equity 4.40

P/E ratio 0.00

Fwd P/E 34.00

P/S ratio 0.31

P/B ratio 0.16

Past 5Y EPS Growth —

This Y EPS Growth 3.57%

Next Y EPS Growth (93.10%)

Next Y revenue growth (51.22%)

Next 5Y EPS Growth 25.18%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years

P/S against its own 10 years 0.07%

10-year low 10-year high

P/B against its own 10 years 0.07%

10-year low 10-year high

EV/Sales against its own 10 years 27.79%

10-year low 10-year high

EV/FCF against its own 10 years 7.31%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 0.12

Annual Dividend Yield 2.70%

	total	individual payouts
2027	Powerpack
2026	2.11	0.04 0.04
2025	0.29	0.08 0.06 0.04 0.04
2024	0.31	0.07 0.08 0.08 0.08
2023	0.26	0.06 0.06 0.07 0.07
2022	0.24	0.06 0.06 0.06 0.06
2021	0.36	0.09 0.09 0.09 0.09
2020	0.33	0.08 0.08 0.09 0.09
2019	0.30	0.07 0.08 0.08 0.08
2018	0.28	0.03 0.03 0.03 0.02 0.02 0.02 0.06 0.06
2017	0.60	0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
2016	2.05	0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 1.33 0.06

predictions special payouts not included in total or ratios

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%)

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	38.20	38.00	25.50	28.40	8.60	29.60	18.40	15.30	21.60	13.90	Analyst estimates 2026–2028 Powerpack
	High	62.90	56.10	40.20	36.40	38.10	44.80	39.60	24.50	27.90	28.40
People
People	Employees	—	—	—	—	—	600	600	600	600	550
	Revenue/emp, $m	0.00	0.00	0.00	0.00	0.00	0.06	0.09	0.18	0.20	0.14
Income, $m
Income, $m	Revenue	93	89	59	39	34	36	57	109	122	79
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	(10)	5	(4)	6	8	11	10	20	23	(3)
	EBT margin, %	(11.20)	5.28	(6.70)	15.89	23.72	29.30	17.42	18.06	18.56	(3.46)
	Net income	(10)	5	(5)	6	8	11	10	20	23	(3)
	Depreciation	(7)	(1)	2	2	2	3	3	2	0	0
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
	Earnings	(7.90)	0.60	(3.80)	1.10	3.40	3.00	1.10	2.90	3.40	(1.40)
	Cash flow	1.60	2.11	5.20	3.07	4.90	5.55	3.37	4.74	5.19	1.93
	Capex	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.12
	Free cash flow	1.60	2.11	5.20	3.07	4.90	5.55	3.37	4.74	5.19	3.05
	Book value	97.30	72.72	63.61	45.86	45.60	67.90	50.27	46.10	45.51	41.86
	Shares, m	1	2	2	2	2	2	5	5	5	5
Valuation, ×
Valuation, ×	P/E	0.00	99.75	0.00	29.36	9.62	12.80	15.67	7.73	7.37	0.00
	P/S	0.81	0.90	1.15	1.96	2.43	2.65	1.60	1.11	1.10	0.93
	P/B	0.71	0.74	0.60	0.70	0.72	0.85	0.49	0.66	0.75	0.46
	EV/Sales	28.10	32.85	16.40	26.66	28.26	38.31	23.91	15.55	11.25	18.61
	EV/FCF	1,117.80	690.86	78.78	142.96	77.75	100.13	83.19	68.65	50.66	145.62
Cash, $m
Cash, $m	Operating cash flow	2	4	12	7	12	14	16	25	27	10
	Capex	—	0	—	—	—	—	—	—	—	6
	Free cash flow	2	4	12	7	12	14	16	25	27	16
Balance, $m
Balance, $m	Working capital	1,389	1,288	78	12	64	12	39	39	57	18
	Total debt	2,144	2,458	523	545	503	874	876	1,193	876	988
	Net debt	2,106	2,413	464	529	433	855	829	1,142	804	961
	Shareholders’ equity	142	146	150	109	114	169	243	241	238	219
Returns, %
Returns, %	ROA	(0.58)	0.05	(0.55)	0.40	1.32	0.89	0.47	1.16	1.39	(0.64)
	ROIC	(0.29)	0.11	(0.40)	0.61	0.91	0.65	0.58	0.89	1.36	(0.09)
	ROE	(11.36)	1.11	(8.12)	2.40	7.59	6.57	3.44	8.11	9.84	(4.37)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CMTG Claros Mortgage Trust, Inc.	$166.5M	— (loss-making)	— (loss-making)	−42.45% (below 0%: shrinking)	n/m	+58.23% (above 0%: growing)	76.18%	(64.67%)	Compare
ACR ACRES Commercial Realty Corp.	$140.9M	— (loss-making)	— (loss-making)	−4.08% (below 0%: shrinking)	n/m	−57.74% (below 0%: shrinking)	92.55%	(26.38%)	Compare
CHMI Cherry Hill Mortgage Investment Corporation	$94.6M	13.8×	6.5×	+79.33% (above 0%: growing)	n/m	−62.73% (below 0%: shrinking)	100.00%	210.75%	Compare
SUNS Sunrise Realty Trust, Inc.	$87.3M	6.6×	7.4×	+2.64% (above 0%: growing)	−8.00% (below 0%: shrinking)	+214.97% (above 0%: growing)	100.00%	61.88%	Compare
RPT Great Ajax Corp.	$83.9M	— (loss-making)	— (loss-making)	−3.73% (below 0%: shrinking)	+50.00% (above 0%: growing)	−231.94% (below 0%: shrinking)	100.00%	49.93%	Compare
SACH Sachem Capital Corp.	$39.9M	— (loss-making)	20.4×	−13.16% (below 0%: shrinking)	n/m	−132.71% (below 0%: shrinking)	100.00%	(57.54%)	Compare
LOAN Manhattan Bridge Capital, Inc	$39.8M	8.4×	9.6×	−13.16% (below 0%: shrinking)	−16.67% (below 0%: shrinking)	+16.91% (above 0%: growing)	100.00%	56.20%	Compare
GPMT Granite Point Mortgage Trust Inc.	$25.6M	— (loss-making)	— (loss-making)	−40.56% (below 0%: shrinking)	n/m	−100.69% (below 0%: shrinking)	100.00%	(982.14%)	Compare
LFT Lument Finance Trust, Inc.	$23.6M	— (loss-making)	34.0×	−7.43% (below 0%: shrinking)	n/m	+243.32% (above 0%: growing)	100.00%	34.59%
Median of peers	$85.6M	8.4×	8.5×	−8.62%	−8.00%	−60.23%	100.00%	11.78%

All 37 Reit Mortgage stocks →

Lument Finance Trust, Inc. (LFT) key facts

Concern: Lument Finance Trust, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.0 million, down 35.3% from fiscal 2024.
Lument Finance Trust, Inc. (LFT) is a Reit Mortgage company in the Real Estate sector, listed on the New York Stock Exchange.
As of October 16, 2026, LFT traded at $4.45, a market capitalization of $23.6 million.
Lument Finance Trust, Inc. pays an annual dividend of $0.12 per share, a yield of 2.70%.
Return on equity was −4.37% and debt-to-equity 4.40.
Its Piotroski F-score is 2 out of 9 for fiscal 2025.