LUMENT FINANCE TRUST INC (LFT) Fundamental Analysis & Valuation

NYSE:LFT • US55025L1089

Current stock price

1.19 USD
0 (0%)
At close:
1.2 USD
+0.01 (+0.84%)
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

  • 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.
  • Each year in the past 5 years LFT 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 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 Return On Equity of -3.42%. This is in the lower half of the industry: LFT underperforms 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.
  • In the last couple of years the Gross Margin of LFT has declined.
  • 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.
  • LFT has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for LFT has been increased compared to 5 years ago.
  • Compared to 1 year ago, LFT has a worse debt to assets ratio.
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

  • Based on the Altman-Z score of -0.78, we must say that LFT is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.78, LFT is doing worse than 76.47% of the companies in the same industry.
  • 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's Debt to Equity ratio of 4.51 is fine compared to the rest of the industry. LFT outperforms 63.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.51
Debt/FCF 97.85
Altman-Z -0.78
ROIC/WACCN/A
WACC5.23%
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.
  • Looking at the Current ratio, with a value of 0.06, LFT is doing worse than 61.76% of the companies in the same industry.
  • 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.
  • With a Quick ratio value of 0.06, LFT is not doing good in the industry: 61.76% of the companies in the same industry are doing better.
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

2

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

  • LFT is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.17% yearly.
  • LFT is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.57% yearly.
EPS Next Y62.57%
EPS Next 2Y-5.17%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 2027 0.2 0.4 0.6 0.8 1

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8

4. LFT Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.93 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 80.88% of the companies listed in the same industry.
  • LFT is valuated cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 5.01, the valuation of LFT can be described as very cheap.
  • 94.12% of the companies in the same industry are more expensive than LFT, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.75, LFT is valued rather cheaply.
Industry RankSector Rank
PE 7.93
Fwd PE 5.01
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

  • Based on the Price/Free Cash Flow ratio, LFT is valued cheaply inside the industry as 91.18% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.17
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.
  • A cheap valuation may be justified as LFT's earnings are expected to decrease with -5.17% in the coming years.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y-5.17%
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 12.60%, which is a nice return.
  • Compared to an average industry Dividend Yield of 12.55, LFT has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, LFT pays a better dividend.
Industry RankSector Rank
Dividend Yield 12.6%

5.2 History

  • On average, the dividend of LFT grows each year by 6.94%, which is quite nice.
  • LFT has paid a dividend for at least 10 years, which is 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

  • The earnings of LFT are negative and hence is the payout ratio. LFT will probably not be able to sustain this dividend level.
DP-307.98%
EPS Next 2Y-5.17%
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 (5/1/2026, 4:28:12 PM)

After market: 1.2 +0.01 (+0.84%)

1.19

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Industry Strength38.51
Industry Growth81.37
Earnings (Last)03-23
Earnings (Next)05-11
Inst Owners50.93%
Inst Owner Change-0.43%
Ins Owners3.35%
Ins Owner Change1.02%
Market Cap62.36M
Revenue(TTM)79.00M
Net Income(TTM)-7.49M
Analysts46.67
Price Target2.55 (114.29%)
Short Float %3.89%
Short Ratio12.17
Dividend
Industry RankSector Rank
Dividend Yield 12.6%
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)-4.76%
PT rev (3m)-4.76%
EPS NQ rev (1m)-7.69%
EPS NQ rev (3m)-7.69%
EPS NY rev (1m)-11.32%
EPS NY rev (3m)-11.32%
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 7.93
Fwd PE 5.01
P/S 0.79
P/FCF 6.17
P/OCF 6.17
P/B 0.28
P/tB 0.28
EV/EBITDA N/A
EPS(TTM)0.15
EY12.61%
EPS(NY)0.24
Fwd EY19.95%
FCF(TTM)0.19
FCFY16.19%
OCF(TTM)0.19
OCFY16.19%
SpS1.51
BVpS4.18
TBVpS4.18
PEG (NY)0.13
PEG (5Y)N/A
Graham Number3.75561 (215.6%)
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
WACC5.23%
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 Y62.57%
EPS Next 2Y-5.17%
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 62.57% in the next year.