LFT

Company Overview — What Does Lument Finance Trust, Inc. Do?

Lument Finance Trust, Inc., a real estate investment trust, focuses on investing in, financing, and managing a portfolio of commercial real estate (CRE) debt investments in the United States. The company primarily invests in transitional floating rate commercial mortgage loans on middle market multi-family assets; and other CRE -related investments, including mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed rate loans, construction loans, and other CRE debt instruments. Lument Finance Trust, Inc. is qualified as a real estate investment trust (REIT) under the Internal Revenue Code of 1986. As a REIT, it would not be subject to federal income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as Hunt Companies Finance Trust, Inc. and changed its name to Lument Finance Trust, Inc. in December 2020. Lument Finance Trust, Inc. was incorporated in 2012 and is headquartered in New York, New York. Lument Finance Trust, Inc. (LFT) is classified as a micro-cap stock in the Financials sector, specifically within the Trading industry. The company is led by CEO James P. Flynn and employs approximately 600 people, headquartered in New York, New York. With a market capitalization of $65M, LFT is one of the notable companies in the Financials sector.

Lument Finance Trust, Inc. (LFT) Stock Rating — Reduce (April 2026)

As of April 2026, Lument Finance Trust, Inc. receives a Reduce rating with a composite score of 34.8/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.LFT ranks #3,638 out of 4,446 stocks in our coverage universe. Within the Financials sector, Lument Finance Trust, Inc. ranks #807 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

LFT Stock Price and 52-Week Range

Lument Finance Trust, Inc. (LFT) currently trades at $1.28. The stock lost $0.02 (1.5%) in the most recent trading session. The 52-week high for LFT is $2.84, which means the stock is currently trading -54.9% from its annual peak. The 52-week low is $1.26, putting the stock 1.6% above its annual trough. Recent trading volume was 47K shares, suggesting relatively thin trading activity.

Is LFT Overvalued or Undervalued? — Valuation Analysis

Lument Finance Trust, Inc. (LFT) carries a value factor score of 26/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 5.89x, compared to the Financials sector average of 14.88x — a discount of 60%. The price-to-book ratio stands at 0.30x, versus the sector average of 1.22x. The price-to-sales ratio is 2.28x, compared to 0.90x for the average Financials stock. On an enterprise value basis, LFT trades at 16.30x EV/EBITDA, versus 3.26x for the sector.

At current multiples, Lument Finance Trust, Inc. trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Lument Finance Trust, Inc. Profitability — ROE, Margins, and Quality Score

Lument Finance Trust, Inc. (LFT) earns a quality factor score of 35/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 5.1%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.9% versus the sector average of 1.2%.

On a margin basis, Lument Finance Trust, Inc. reports gross margins of 100.0%. The operating margin is 0.0% (sector: 21.8%). Net profit margin stands at 37.2%, versus 17.7% for the average Financials stock. Revenue growth is running at -46.9% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

LFT Debt, Balance Sheet, and Financial Health

Lument Finance Trust, Inc. has a debt-to-equity ratio of 455.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.22x, suggesting adequate working capital coverage. Total debt on the balance sheet is $717M. Cash and equivalents stand at $56M.

LFT has a beta of 0.64, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Lument Finance Trust, Inc. is 52/100, reflecting average volatility within the normal range for its sector.

Lument Finance Trust, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Lument Finance Trust, Inc. reported revenue of $29M and earnings per share (EPS) of $-0.14. Net income for the quarter was $11M. Gross margin was 100.0%. Operating income came in at $-163,222.

In FY 2025, Lument Finance Trust, Inc. reported revenue of $25M and earnings per share (EPS) of $-0.14. Net income for the quarter was $-3M. Revenue grew -39.3% year-over-year compared to FY 2024.

In Q3 2025, Lument Finance Trust, Inc. reported revenue of $5M and earnings per share (EPS) of $0.01. Net income for the quarter was $2M. Revenue grew -46.7% year-over-year compared to Q3 2024.

In Q2 2025, Lument Finance Trust, Inc. reported revenue of $7M and earnings per share (EPS) of $0.05. Net income for the quarter was $4M. Revenue grew -26.9% year-over-year compared to Q2 2024.

Over the past 8 quarters, Lument Finance Trust, Inc. has demonstrated a growth trajectory, with revenue expanding from $10M to $29M. Investors analyzing LFT stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

LFT Dividend Yield and Income Analysis

Lument Finance Trust, Inc. (LFT) currently pays a dividend yield of 17.8%. At this yield, a $10,000 investment in LFT stock would generate approximately $$1782.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning LFT offers above-average income for its sector. With a net margin of 37.2%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

LFT Momentum and Technical Analysis Profile

Lument Finance Trust, Inc. (LFT) has a momentum factor score of 19/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 39/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 66/100 reflects moderate short selling activity.

LFT vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Lument Finance Trust, Inc. (LFT) ranks #807 out of 891 stocks based on the Blank Capital composite score. This places LFT in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing LFT against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full LFT vs S&P 500 (SPY) comparison to assess how Lument Finance Trust, Inc. stacks up against the broader market across all factor dimensions.

LFT Next Earnings Date

No upcoming earnings date has been announced for Lument Finance Trust, Inc. (LFT) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy LFT? — Investment Thesis Summary

The quantitative profile for Lument Finance Trust, Inc. suggests caution. The quality score of 35/100 flags below-average profitability. The value score of 26/100 indicates premium valuation. Momentum is weak at 19/100, a headwind for near-term performance.

In summary, Lument Finance Trust, Inc. (LFT) earns a Reduce rating with a composite score of 34.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on LFT stock.

Related Resources for LFT Investors

Explore more research and tools: LFT vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare LFT head-to-head with peers: LFT vs WTM, LFT vs OPY, LFT vs ACT.