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Lument Finance Trust, Inc.

LFT

$5.26 ▼ -0.27 (-4.88%) at close

15 Visible periods

25 Metrics

Peer-ranked Benchmarks

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Health

Weak

Neutral

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Analytical Summary

Lument Finance Trust, Inc. shows mixed fundamentals. Consider comparing against peers in the Real Estate sector before making investment decisions.

Market Cap $275.3M

Dividend Yield 4.18%

Revenue Growth —

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$-2.75M

↓ -112.1% —

Health Breakdown

Returns

Dividend History

Dividend / share · sourced from SEC filings

$0.22 Latest / share

-45.0% YoY

-15.9% 12-yr CAGR

$1.47

FY 2014

$1.35

FY 2015

$2.04

FY 2016

$0.60

FY 2017

$0.28

FY 2018

$0.30

FY 2019

$0.37

FY 2020

$0.36

FY 2021

$0.24

FY 2022

$0.26

FY 2023

$0.40

FY 2024

$0.22

FY 2025

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
EPS Growth YoY (%)	N/M	17.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	163.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-63.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-11.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	14.9% Fair ↓ Fair Declining Year-over-year change in net income	99.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-6.3% Weak ↓ Weak Declining Year-over-year change in net income	24.6% Good Good Year-over-year change in net income	35.2% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	N/M	-86.4% Weak Weak Year-over-year change in net income	2.7% Caution Caution Year-over-year change in net income	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	—	4.3% Caution Caution Compound annual EPS growth over 3 years	-5.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
Effective Tax Rate (%) (%)	—	—	—	—	—	—	—	—	—	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	7.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	-3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-146%)	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	-7.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-191%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	1.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD)	$-23.11M	$-69.17M	$-51.25M	$-43.86M	$-14.75M	$-11.38M	$-10.94M	$-7.88M	$-34.35M	$-27.53M	$-26.14M	$-32.27M	$-33.06M	$-3.61M	$0.00
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
Basic EPS, GAAP (USD)	$-0.14	$0.34	$0.29	$0.11	$0.30	$0.34	—	—	—	—	—	—	$0.52	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.22	$0.40	$0.26	$0.24	$0.36	$0.37	$0.30	$0.28	$0.60	$2.04	$1.35	$1.47	$1.64	—	—
Book Value per Share (USD)	$4.18	$4.55	$4.61	$4.65	$6.79	$4.55	$4.58	$6.34	$6.58	$8.12	$12.11	$14.46	$15.42	$19.48	—
Tangible Book Value per Share (USD)	$4.18	$4.55	$4.61	$4.65	$6.79	$4.55	$4.58	$6.34	$6.58	$8.12	$12.11	$14.46	$15.42	$19.48	—
Basic Weighted Avg Shares (shares)	52.34M	52.27M	52.23M	48.34M	24.94M	24.93M	23.69M	23.61M	—	—	—	—	—	—	—
Dividend Payout Ratio (%)	-157.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	117.6% Weak ↓ Weak Declining Dividends paid as a percentage of earnings Optimal: 30-60%	89.7% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	218.2% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	120.0% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	108.8% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	315.4% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
Total Equity (USD)	$218.99M	$237.80M	$240.69M	$242.90M	$169.28M	$113.60M	$108.55M	$150.10M	$145.79M	$142.47M	$177.49M	$212.80M	$113.93M	$32.27M	$0.00

📋 What is driving earnings? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
Net Income, GAAP (USD)	$-2.75M	$22.65M	$19.71M	$9.86M	$10.53M	$8.45M	$6.25M	$-5.47M	$4.71M	$-10.43M	$450.48K	$3.31M	$3.23M	—	—
Operating Cash Flow (USD)	$10.10M	$27.13M	$24.74M	$16.29M	$13.85M	$12.22M	$7.28M	$12.27M	—	$2.34M	$2.06M	$20.74M	$13.33M	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 May 15, 2012 10-K ↗
FFO (approx.) (USD)	$-1.97M	$22.65M	—	—	—	—	—	—	—	—	—	—	—	—	—
FFO per Share (approx.) (USD)	$-0.04	$0.43	—	—	—	—	—	—	—	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 15 years · 59 quarters

Lument Finance Trust, Inc.

Analytical Summary

15-Year Financial Trajectory

Health Breakdown

Dividend History

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