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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. 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%
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%) (below 0%: weak)
Next Y revenue growth (51.22%) (below 0%: weak)
Next 5Y EPS Growth 25.18% (at or above 15%: strong)

Green and red mark values outside typical ranges. 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 0.07%
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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Lument Finance Trust, Inc. (LFT) Latest News

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stockrow.com/LFT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com