LUMENT FINANCE TRUST INC (LFT) Fundamental Analysis & Valuation

NYSE:LFT • US55025L1089

Current stock price

1.26 USD
-0.01 (-0.79%)
At close:
1.25 USD
-0.01 (-0.79%)
After Hours:

This LFT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. LFT Profitability Analysis

1.1 Basic Checks

  • LFT had positive earnings in the past year.
  • In the past year LFT had a positive cash flow from operations.
  • Of the past 5 years LFT 4 years were profitable.
  • LFT had a positive operating cash flow in each of the past 5 years.
LFT Yearly Net Income VS EBIT VS OCF VS FCFLFT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M -10M 20M -20M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -0.62%, LFT is doing worse than 85.29% of the companies in the same industry.
  • LFT has a worse Return On Equity (-3.42%) than 79.41% of its industry peers.
Industry RankSector Rank
ROA -0.62%
ROE -3.42%
ROIC N/A
ROA(3y)0.67%
ROA(5y)0.63%
ROE(3y)3.44%
ROE(5y)3.36%
ROIC(3y)N/A
ROIC(5y)N/A
LFT Yearly ROA, ROE, ROICLFT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

1.3 Margins

  • LFT has a Gross Margin of 25.97%. This is in the lower half of the industry: LFT underperforms 69.12% of its industry peers.
  • LFT's Gross Margin has declined in the last couple of years.
  • The Profit Margin and Operating Margin are not available for LFT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 25.97%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-14.91%
GM growth 5Y-13.86%
LFT Yearly Profit, Operating, Gross MarginsLFT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100

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2

2. LFT Health Analysis

2.1 Basic Checks

  • LFT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LFT remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for LFT has been increased compared to 5 years ago.
  • LFT has a worse debt/assets ratio than last year.
LFT Yearly Shares OutstandingLFT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
LFT Yearly Total Debt VS Total AssetsLFT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • LFT has an Altman-Z score of -0.78. This is a bad value and indicates that LFT is not financially healthy and even has some risk of bankruptcy.
  • LFT has a Altman-Z score of -0.78. This is in the lower half of the industry: LFT underperforms 76.47% of its industry peers.
  • LFT has a debt to FCF ratio of 97.85. This is a negative value and a sign of low solvency as LFT would need 97.85 years to pay back of all of its debts.
  • LFT has a Debt to FCF ratio of 97.85. This is in the better half of the industry: LFT outperforms 61.76% of its industry peers.
  • LFT has a Debt/Equity ratio of 4.51. This is a high value indicating a heavy dependency on external financing.
  • LFT has a better Debt to Equity ratio (4.51) than 63.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.51
Debt/FCF 97.85
Altman-Z -0.78
ROIC/WACCN/A
WACC5.27%
LFT Yearly LT Debt VS Equity VS FCFLFT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

  • LFT has a Current Ratio of 0.06. This is a bad value and indicates that LFT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of LFT (0.06) is worse than 61.76% of its industry peers.
  • LFT has a Quick Ratio of 0.06. This is a bad value and indicates that LFT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.06, LFT is doing worse than 61.76% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
LFT Yearly Current Assets VS Current LiabilitesLFT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. LFT Growth Analysis

3.1 Past

  • The earnings per share for LFT have decreased strongly by -66.82% in the last year.
  • The earnings per share for LFT have been decreasing by -17.84% on average. This is quite bad
  • LFT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -35.31%.
  • LFT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.65% yearly.
EPS 1Y (TTM)-66.82%
EPS 3Y-8.41%
EPS 5Y-17.84%
EPS Q2Q%-104%
Revenue 1Y (TTM)-35.31%
Revenue growth 3Y11.69%
Revenue growth 5Y18.65%
Sales Q2Q%-32.42%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • Based on estimates for the next years, LFT will show a decrease in Revenue. The Revenue will decrease by -0.57% on average per year.
EPS Next Y83.32%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.85%
Revenue Next 2Y-0.57%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LFT Yearly Revenue VS EstimatesLFT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
LFT Yearly EPS VS EstimatesLFT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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7

4. LFT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.40, which indicates a very decent valuation of LFT.
  • Based on the Price/Earnings ratio, LFT is valued a bit cheaper than the industry average as 76.47% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of LFT to the average of the S&P500 Index (26.91), we can say LFT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.71, the valuation of LFT can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LFT indicates a rather cheap valuation: LFT is cheaper than 97.06% of the companies listed in the same industry.
  • LFT is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.4
Fwd PE 4.71
LFT Price Earnings VS Forward Price EarningsLFT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • 89.71% of the companies in the same industry are more expensive than LFT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.53
EV/EBITDA N/A
LFT Per share dataLFT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

  • LFT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. LFT Dividend Analysis

5.1 Amount

  • LFT has a Yearly Dividend Yield of 13.22%, which is a nice return.
  • LFT's Dividend Yield is slightly below the industry average, which is at 13.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, LFT pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.22%

5.2 History

  • On average, the dividend of LFT grows each year by 6.94%, which is quite nice.
  • LFT has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)6.94%
Div Incr Years0
Div Non Decr Years0
LFT Yearly Dividends per shareLFT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • LFT has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of LFT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-307.98%
EPS Next 2YN/A
EPS Next 3YN/A
LFT Yearly Income VS Free CF VS DividendLFT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M -10M 20M 30M

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LFT Fundamentals: All Metrics, Ratios and Statistics

LUMENT FINANCE TRUST INC

NYSE:LFT (4/8/2026, 8:04:00 PM)

After market: 1.25 -0.01 (-0.79%)

1.26

-0.01 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)03-23
Earnings (Next)05-11
Inst Owners51.2%
Inst Owner Change0%
Ins Owners3.25%
Ins Owner Change1.02%
Market Cap65.97M
Revenue(TTM)79.00M
Net Income(TTM)-7.49M
Analysts46.67
Price Target2.68 (112.7%)
Short Float %3.16%
Short Ratio7.83
Dividend
Industry RankSector Rank
Dividend Yield 13.22%
Yearly Dividend0.44
Dividend Growth(5Y)6.94%
DP-307.98%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-90.1%
Min EPS beat(2)-106.6%
Max EPS beat(2)-73.6%
EPS beat(4)0
Avg EPS beat(4)-56.55%
Min EPS beat(4)-106.6%
Max EPS beat(4)-11.99%
EPS beat(8)3
Avg EPS beat(8)-23.63%
EPS beat(12)4
Avg EPS beat(12)-26.17%
EPS beat(16)5
Avg EPS beat(16)-25.31%
Revenue beat(2)0
Avg Revenue beat(2)-5.17%
Min Revenue beat(2)-5.71%
Max Revenue beat(2)-4.62%
Revenue beat(4)0
Avg Revenue beat(4)-7.33%
Min Revenue beat(4)-12.75%
Max Revenue beat(4)-4.62%
Revenue beat(8)2
Avg Revenue beat(8)-3.6%
Revenue beat(12)5
Avg Revenue beat(12)-0.46%
Revenue beat(16)8
Avg Revenue beat(16)2.38%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-7.69%
EPS NQ rev (3m)-7.69%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)16.72%
Revenue NQ rev (3m)16.72%
Revenue NY rev (1m)14.84%
Revenue NY rev (3m)14.84%
Valuation
Industry RankSector Rank
PE 8.4
Fwd PE 4.71
P/S 0.84
P/FCF 6.53
P/OCF 6.53
P/B 0.3
P/tB 0.3
EV/EBITDA N/A
EPS(TTM)0.15
EY11.9%
EPS(NY)0.27
Fwd EY21.24%
FCF(TTM)0.19
FCFY15.31%
OCF(TTM)0.19
OCFY15.31%
SpS1.51
BVpS4.18
TBVpS4.18
PEG (NY)0.1
PEG (5Y)N/A
Graham Number3.76
Profitability
Industry RankSector Rank
ROA -0.62%
ROE -3.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 25.97%
FCFM 12.78%
ROA(3y)0.67%
ROA(5y)0.63%
ROE(3y)3.44%
ROE(5y)3.36%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-14.91%
GM growth 5Y-13.86%
F-Score2
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 4.51
Debt/FCF 97.85
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.06
Quick Ratio 0.06
Altman-Z -0.78
F-Score2
WACC5.27%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-66.82%
EPS 3Y-8.41%
EPS 5Y-17.84%
EPS Q2Q%-104%
EPS Next Y83.32%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-35.31%
Revenue growth 3Y11.69%
Revenue growth 5Y18.65%
Sales Q2Q%-32.42%
Revenue Next Year2.85%
Revenue Next 2Y-0.57%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-110.06%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62.78%
FCF growth 3Y-14.73%
FCF growth 5Y-3.74%
OCF growth 1Y-62.78%
OCF growth 3Y-14.73%
OCF growth 5Y-3.74%

LUMENT FINANCE TRUST INC / LFT Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for LUMENT FINANCE TRUST INC?

ChartMill assigns a fundamental rating of 3 / 10 to LFT.


What is the valuation status for LFT stock?

ChartMill assigns a valuation rating of 7 / 10 to LUMENT FINANCE TRUST INC (LFT). This can be considered as Undervalued.


Can you provide the profitability details for LUMENT FINANCE TRUST INC?

LUMENT FINANCE TRUST INC (LFT) has a profitability rating of 2 / 10.


Can you provide the financial health for LFT stock?

The financial health rating of LUMENT FINANCE TRUST INC (LFT) is 2 / 10.


What is the expected EPS growth for LUMENT FINANCE TRUST INC (LFT) stock?

The Earnings per Share (EPS) of LUMENT FINANCE TRUST INC (LFT) is expected to grow by 83.32% in the next year.