LUMENT FINANCE TRUST INC (LFT) Fundamental Analysis & Valuation

NYSE:LFT • US55025L1089

Current stock price

1.23 USD
-0.15 (-10.87%)
At close:
1.22 USD
-0.01 (-0.81%)
After Hours:

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

4

1. LFT Profitability Analysis

1.1 Basic Checks

  • In the past year LFT was profitable.
  • In the past year LFT had a positive cash flow from operations.
  • LFT had positive earnings in 4 of the past 5 years.
  • Of the past 5 years LFT 4 years had a positive operating cash flow.
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 42.65% of its industry peers.
  • LFT has a worse Return On Equity (2.20%) than 67.65% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.81%, LFT is in line with its industry, outperforming 52.94% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for LFT is in line with the industry average of 1.30%.
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

  • The Profit Margin of LFT (5.78%) is worse than 63.24% of its industry peers.
  • LFT's Profit Margin has improved in the last couple of years.
  • LFT has a Operating Margin of 11.12%. This is comparable to the rest of the industry: LFT outperforms 45.59% of its industry peers.
  • LFT's Operating Margin has improved in the last couple of years.
  • With a Gross Margin value of 27.94%, LFT is not doing good in the industry: 69.12% of the companies in the same industry are doing better.
  • 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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3

2. LFT Health Analysis

2.1 Basic Checks

  • LFT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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

  • Based on the Altman-Z score of -0.79, we must say that LFT is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of LFT (-0.79) is worse than 76.47% of its industry peers.
  • LFT has a debt to FCF ratio of 47.27. This is a negative value and a sign of low solvency as LFT would need 47.27 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 47.27, LFT belongs to the top of the industry, outperforming 80.88% of the companies in the same industry.
  • A Debt/Equity ratio of 3.12 is on the high side and indicates that LFT has dependencies on debt financing.
  • LFT has a better Debt to Equity ratio (3.12) than 75.00% of its industry peers.
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

  • LFT has a Current Ratio of 0.11. This is a bad value and indicates that LFT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • LFT has a Current ratio (0.11) which is comparable to the rest of the industry.
  • LFT has a Quick Ratio of 0.11. This is a bad value and indicates that LFT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.11, LFT perfoms like the industry average, outperforming 47.06% 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

0

3. LFT Growth Analysis

3.1 Past

  • LFT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -66.82%.
  • Measured over the past years, LFT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -17.84% on average per year.
EPS 1Y (TTM)-66.82%
EPS 3Y-8.41%
EPS 5Y-17.84%
EPS Q2Q%-104%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-32.42%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y83.32%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.44%
Revenue Next 2YN/A
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.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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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7

4. LFT Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.20, the valuation of LFT can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of LFT indicates a somewhat cheap valuation: LFT is cheaper than 76.47% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, LFT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.60, the valuation of LFT can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, LFT is valued cheaply inside the industry as 97.06% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.67. LFT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.2
Fwd PE 4.6
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

  • 94.12% 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 4.24
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 11.59%, which is a nice return.
  • LFT's Dividend Yield is slightly below the industry average, which is at 11.97.
  • Compared to an average S&P500 Dividend Yield of 1.89, LFT pays a better dividend.
Industry RankSector Rank
Dividend Yield 11.59%

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.
  • LFT has decreased its dividend 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.
  • The dividend of LFT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP496.72%
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 0 10M -10M 20M 30M
LFT Dividend Payout.LFT Dividend Payout, showing the Payout Ratio.LFT Dividend Payout.PayoutRetained Earnings

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LFT Fundamentals: All Metrics, Ratios and Statistics

LUMENT FINANCE TRUST INC

NYSE:LFT (3/24/2026, 8:04:00 PM)

After market: 1.22 -0.01 (-0.81%)

1.23

-0.15 (-10.87%)

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 Change-1.46%
Ins Owners3.25%
Ins Owner Change0.72%
Market Cap64.40M
Revenue(TTM)N/A
Net Income(TTM)5.06M
Analysts46.67
Price Target2.68 (117.89%)
Short Float %2.93%
Short Ratio6.69
Dividend
Industry RankSector Rank
Dividend Yield 11.59%
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)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 8.2
Fwd PE 4.6
P/S 0.74
P/FCF 4.24
P/OCF 4.24
P/B 0.28
P/tB 0.28
EV/EBITDA N/A
EPS(TTM)0.15
EY12.2%
EPS(NY)0.27
Fwd EY21.76%
FCF(TTM)0.29
FCFY23.57%
OCF(TTM)0.29
OCFY23.57%
SpS1.67
BVpS4.39
TBVpS4.39
PEG (NY)0.1
PEG (5Y)N/A
Graham Number3.85
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)-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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-32.42%
Revenue Next Year-10.44%
Revenue Next 2YN/A
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 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.


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

LUMENT FINANCE TRUST INC (LFT) has a profitability rating of 4 / 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 8.2 and the Price/Book (PB) ratio is 0.28.


Can you provide the dividend sustainability for LFT stock?

The dividend rating of LUMENT FINANCE TRUST INC (LFT) is 5 / 10 and the dividend payout ratio is 496.72%.