LUMENT FINANCE TRUST INC (LFT) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:LFT • US55025L1089

1.31 USD
-0.02 (-1.5%)
At close: Feb 5, 2026
1.31 USD
0 (0%)
After Hours: 2/5/2026, 8:04:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to LFT. LFT was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While LFT is still in line with the averages on profitability rating, there are concerns on its financial health. LFT has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • LFT had positive earnings in the past year.
  • LFT had a positive operating cash flow in the past year.
  • LFT had positive earnings in each of the past 5 years.
  • 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 0 10M -10M 20M -20M

1.2 Ratios

  • LFT has a Return On Assets of 0.53%. This is comparable to the rest of the industry: LFT outperforms 58.57% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.20%, LFT is in line with its industry, outperforming 47.14% of the companies in the same industry.
  • LFT has a better Return On Invested Capital (0.81%) than 71.43% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for LFT is in line with the industry average of 1.26%.
Industry RankSector Rank
ROA 0.53%
ROE 2.2%
ROIC 0.81%
ROA(3y)1.02%
ROA(5y)1.03%
ROE(3y)5.28%
ROE(5y)5.52%
ROIC(3y)1.11%
ROIC(5y)1.09%
LFT Yearly ROA, ROE, ROICLFT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

  • LFT's Profit Margin of 5.78% is in line compared to the rest of the industry. LFT outperforms 47.14% of its industry peers.
  • In the last couple of years the Profit Margin of LFT has grown nicely.
  • LFT has a Operating Margin (11.12%) which is in line with its industry peers.
  • LFT's Operating Margin has improved in the last couple of years.
  • LFT has a Gross Margin (27.94%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of LFT has declined.
Industry RankSector Rank
OM 11.12%
PM (TTM) 5.78%
GM 27.94%
OM growth 3Y-18.37%
OM growth 5Y3.71%
PM growth 3Y-10.48%
PM growth 5Y15.78%
GM growth 3Y-20.78%
GM growth 5Y-5.82%
LFT Yearly Profit, Operating, Gross MarginsLFT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, LFT has about the same amount of shares outstanding.
  • The number of shares outstanding for LFT has been increased compared to 5 years ago.
  • Compared to 1 year ago, LFT has an improved debt to assets ratio.
LFT Yearly Shares OutstandingLFT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • LFT has an Altman-Z score of -0.79. 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 -0.79. This is in the lower half of the industry: LFT underperforms 77.14% of its industry peers.
  • The Debt to FCF ratio of LFT is 47.27, which is on the high side as it means it would take LFT, 47.27 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 47.27, LFT is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • LFT has a Debt/Equity ratio of 3.12. This is a high value indicating a heavy dependency on external financing.
  • With a decent Debt to Equity ratio value of 3.12, LFT is doing good in the industry, outperforming 74.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.12
Debt/FCF 47.27
Altman-Z -0.79
ROIC/WACCN/A
WACCN/A
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 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 0.11 indicates that LFT may have some problems paying its short term obligations.
  • With a Current ratio value of 0.11, LFT is not doing good in the industry: 62.86% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.11 indicates that LFT may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.11, LFT is doing worse than 62.86% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.11
Quick Ratio 0.11
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 200M 400M 600M 800M 1B

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

3

3. Growth

3.1 Past

  • LFT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -43.18%.
  • The Earnings Per Share has been growing slightly by 6.58% on average over the past years.
  • LFT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -31.72%.
  • The Revenue has been growing by 26.10% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-43.18%
EPS 3Y2.38%
EPS 5Y6.58%
EPS Q2Q%-80%
Revenue 1Y (TTM)-31.72%
Revenue growth 3Y49.98%
Revenue growth 5Y26.1%
Sales Q2Q%-38.36%

3.2 Future

  • Based on estimates for the next years, LFT will show a very negative growth in Earnings Per Share. The EPS will decrease by -22.01% on average per year.
  • LFT is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -23.56% yearly.
EPS Next Y-40.32%
EPS Next 2Y-22.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-34.75%
Revenue Next 2Y-23.56%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
LFT Yearly Revenue VS EstimatesLFT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.24 indicates a rather cheap valuation of LFT.
  • Compared to the rest of the industry, the Price/Earnings ratio of LFT indicates a rather cheap valuation: LFT is cheaper than 95.71% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, LFT is valued rather cheaply.
  • A Price/Forward Earnings ratio of 4.89 indicates a rather cheap valuation of LFT.
  • Based on the Price/Forward Earnings ratio, LFT is valued cheaply inside the industry as 94.29% of the companies are valued more expensively.
  • LFT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 5.24
Fwd PE 4.89
LFT Price Earnings VS Forward Price EarningsLFT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, LFT is valued cheaper than 94.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.52
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 earnings are expected to decrease with -22.01% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y-22.01%
EPS Next 3YN/A

More info and screens

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

4

5. Dividend

5.1 Amount

  • LFT has a Yearly Dividend Yield of 9.52%, which is a nice return.
  • Compared to an average industry Dividend Yield of 11.84, LFT is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, LFT pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.52%

5.2 History

  • The dividend of LFT has a limited annual growth rate of 5.24%.
  • LFT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of LFT decreased in the last 3 years.
Dividend Growth(5Y)5.24%
Div Incr Years2
Div Non Decr Years2
LFT Yearly Dividends per shareLFT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • LFT pays out 496.72% of its income as dividend. This is not a sustainable payout ratio.
  • LFT's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP496.72%
EPS Next 2Y-22.01%
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 0 10M -10M 20M 30M
LFT Dividend Payout.LFT Dividend Payout, showing the Payout Ratio.LFT Dividend Payout.PayoutRetained Earnings

More info and screens

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LUMENT FINANCE TRUST INC

NYSE:LFT (2/5/2026, 8:04:00 PM)

After market: 1.31 0 (0%)

1.31

-0.02 (-1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-12
Earnings (Next)03-17
Inst Owners50.89%
Inst Owner Change0.05%
Ins Owners3.25%
Ins Owner Change0.93%
Market Cap68.59M
Revenue(TTM)87.56M
Net Income(TTM)5.06M
Analysts46.67
Price Target2.68 (104.58%)
Short Float %2.4%
Short Ratio4.51
Dividend
Industry RankSector Rank
Dividend Yield 9.52%
Yearly Dividend0.39
Dividend Growth(5Y)5.24%
DP496.72%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-53.8%
Min EPS beat(2)-73.6%
Max EPS beat(2)-33.99%
EPS beat(4)1
Avg EPS beat(4)-27.99%
Min EPS beat(4)-73.6%
Max EPS beat(4)7.62%
EPS beat(8)3
Avg EPS beat(8)-11.13%
EPS beat(12)5
Avg EPS beat(12)-16.1%
EPS beat(16)6
Avg EPS beat(16)-18.2%
Revenue beat(2)0
Avg Revenue beat(2)-5.97%
Min Revenue beat(2)-6.23%
Max Revenue beat(2)-5.71%
Revenue beat(4)0
Avg Revenue beat(4)-7.67%
Min Revenue beat(4)-12.75%
Max Revenue beat(4)-5.71%
Revenue beat(8)2
Avg Revenue beat(8)-3.4%
Revenue beat(12)6
Avg Revenue beat(12)0.94%
Revenue beat(16)9
Avg Revenue beat(16)7.73%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 5.24
Fwd PE 4.89
P/S 0.78
P/FCF 4.52
P/OCF 4.52
P/B 0.3
P/tB 0.3
EV/EBITDA N/A
EPS(TTM)0.25
EY19.08%
EPS(NY)0.27
Fwd EY20.43%
FCF(TTM)0.29
FCFY22.13%
OCF(TTM)0.29
OCFY22.13%
SpS1.67
BVpS4.39
TBVpS4.39
PEG (NY)N/A
PEG (5Y)0.8
Graham Number4.97
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 2.2%
ROCE 3.48%
ROIC 0.81%
ROICexc 0.86%
ROICexgc 0.87%
OM 11.12%
PM (TTM) 5.78%
GM 27.94%
FCFM 17.33%
ROA(3y)1.02%
ROA(5y)1.03%
ROE(3y)5.28%
ROE(5y)5.52%
ROIC(3y)1.11%
ROIC(5y)1.09%
ROICexc(3y)1.17%
ROICexc(5y)1.13%
ROICexgc(3y)1.17%
ROICexgc(5y)1.13%
ROCE(3y)5.96%
ROCE(5y)5.9%
ROICexgc growth 3Y21.78%
ROICexgc growth 5Y18.68%
ROICexc growth 3Y21.77%
ROICexc growth 5Y18.69%
OM growth 3Y-18.37%
OM growth 5Y3.71%
PM growth 3Y-10.48%
PM growth 5Y15.78%
GM growth 3Y-20.78%
GM growth 5Y-5.82%
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 3.12
Debt/FCF 47.27
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.17
Cash Conversion N/A
Profit Quality 299.85%
Current Ratio 0.11
Quick Ratio 0.11
Altman-Z -0.79
F-Score5
WACCN/A
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)212.03%
Profit Quality(5y)193.75%
High Growth Momentum
Growth
EPS 1Y (TTM)-43.18%
EPS 3Y2.38%
EPS 5Y6.58%
EPS Q2Q%-80%
EPS Next Y-40.32%
EPS Next 2Y-22.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-31.72%
Revenue growth 3Y49.98%
Revenue growth 5Y26.1%
Sales Q2Q%-38.36%
Revenue Next Year-34.75%
Revenue Next 2Y-23.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-57.36%
EBIT growth 3Y22.43%
EBIT growth 5Y30.78%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-24.34%
FCF growth 3Y25.12%
FCF growth 5Y30.1%
OCF growth 1Y-24.34%
OCF growth 3Y25.12%
OCF growth 5Y30.1%

LUMENT FINANCE TRUST INC / LFT FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to LFT.


What is the valuation status for LFT stock?

ChartMill assigns a valuation rating of 6 / 10 to LUMENT FINANCE TRUST INC (LFT). This can be considered as Fairly Valued.


How profitable is LUMENT FINANCE TRUST INC (LFT) stock?

LUMENT FINANCE TRUST INC (LFT) has a profitability rating of 5 / 10.


What are the PE and PB ratios of LUMENT FINANCE TRUST INC (LFT) stock?

The Price/Earnings (PE) ratio for LUMENT FINANCE TRUST INC (LFT) is 5.24 and the Price/Book (PB) ratio is 0.3.


Can you provide the dividend sustainability for LFT stock?

The dividend rating of LUMENT FINANCE TRUST INC (LFT) is 4 / 10 and the dividend payout ratio is 496.72%.