A Business at a Glance
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Lument Finance Trust, Inc.
LFT
$42M
Mkt Cap
$0.80
-1.27%
Lument Finance Trust, Inc. (LFT) has a current P/E ratio of 2.4, compared to its historical median P/E of 8.0. The stock is currently considered Fair based on its historical valuation range.
Lument Finance Trust, Inc. (LFT) has a 5-year average return on invested capital (ROIC) of 12.8%. This indicates solid capital allocation.
Lument Finance Trust, Inc. (LFT) has a market capitalization of $42M. It is classified as a small-cap stock.
Yes, Lument Finance Trust, Inc. (LFT) pays a dividend with a trailing twelve-month yield of 48.72%.
Based on historical P/E analysis, Lument Finance Trust, Inc. (LFT) appears fair. The current P/E of 2.4 is 70% below its historical median of 8.0. The estimated fair value CAGR (P/E method) is 7.2%.
Lument Finance Trust, Inc. (LFT) operates in the Real Estate Investment Trusts industry, within the Real Estate sector.
Lument Finance Trust, Inc. (LFT) reported annual revenue of $36 million in its most recent fiscal year, based on SEC EDGAR filings.
References herein to "Lument Finance Trust," "Company," "LFT," "we," "us," or "our" refer to Lument Finance Trust, Inc., a Maryland corporation, and its subsidiaries unless the context specifically requires otherwise. Our Company We are a REIT focused on investing in, originating, financing and managing a portfolio of commercial real estate ("CRE") debt investments. We primarily invest in or originate transitional floating rate CRE mortgage loans with an emphasis on middle-market multifamily assets. We may also invest in other CRE-related investments including mezzanine loans, preferred equity, commercial mortgage-backed securities ("CMBS"), fixed rate loans, construction loans and other CRE debt instruments. We are externally managed by our manager, Lument Investment Management, LLC (the "Manager" or "Lument IM") pursuant to the terms of our management agreement. Our Manager is a subsidiary of Lument Real Estate Capital Holdings, LLC ("Lument").
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 21M | 36M | 32M | 20M | 19M | 17M |
| Net Income | 9.8M | 18M | 15M | 5.1M | 7.4M | 8.4M |
| EPS | $0.10 | $0.34 | $0.29 | $0.11 | $0.30 | $0.34 |
| Free Cash Flow | 0 | 27M | 25M | 16M | 14M | 12M |
| ROIC | -0.2% | 41.9% | 5.2% | 1.8% | 9.7% | 5.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.21 | 0.20 | 0.20 | 0.19 | 0.28 | 0.35 |
| Dividends/Share | $0.39 | $0.40 | $0.26 | $0.24 | $0.36 | $0.37 |
| Operating Income | -508K | 95M | -2.2M | -310K | 20M | -1.5M |
| Operating Margin | -2.4% | 262.4% | -6.8% | -1.5% | 103.3% | -8.6% |
| ROE | 4.3% | 7.5% | 6.2% | 2.1% | 4.4% | 7.4% |
| Shares Outstanding | 52M | 53M | 52M | 47M | 25M | 25M |
| Metric | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | N/A | 18M | 6.0M | 15M | 17M | 19M | 20M | 32M | 36M | 21M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | -1.5M | -856K | -1.0M | -361K | -1.5M | 20M | -310K | -2.2M | 95M | -508K |
| Op. Margin | N/A | -4.9% | -16.7% | -2.4% | -8.6% | 103.3% | -1.5% | -6.8% | 262.4% | -2.4% |
| Net Income | -14M | 1.2M | -9.0M | 2.7M | 8.4M | 7.4M | 5.1M | 15M | 18M | 9.8M |
| Net Margin | N/A | 6.7% | -149.4% | 17.8% | 48.6% | 38.9% | 25.4% | 46.8% | 49.5% | 46.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||||||
| ROIC | -1.3% | 0.8% | -0.7% | 1.8% | 5.5% | 9.7% | 1.8% | 5.2% | 41.9% | -0.2% |
| ROE | -9.8% | 0.8% | -6.0% | 2.5% | 7.4% | 4.4% | 2.1% | 6.2% | 7.5% | 4.3% |
| ROA | -0.6% | 0.0% | -1.3% | 0.4% | 1.4% | 0.7% | 0.5% | 1.0% | 1.4% | 19.9% |
| Cash Flow | ||||||||||
| Op. Cash Flow | 2.3M | 4.2M | 12M | 7.3M | 12M | 14M | 16M | 25M | 27M | 15M |
| Free Cash Flow | 2.3M | 4.2M | 12M | 7.3M | 12M | 14M | 16M | 25M | 27M | 0 |
| Owner Earnings | 2.3M | 4.2M | 12M | 7.3M | 12M | 14M | 16M | 25M | 27M | 15M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | ||||||||||
| Dividends Paid | 30M | 12M | 5.2M | 6.6M | 7.6M | 10.0M | 12M | 13M | 16M | 20M |
| Dividend Yield | 136.9% | 32.7% | 15.1% | 17.6% | 23.0% | 18.3% | 15.2% | 17.5% | 14.9% | 48.7% |
| Share Buybacks | 284K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 1.1% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 147K | 147K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||||||
| Net Debt | N/A | N/A | -7.9M | 28M | 28M | 32M | 3.1M | -4.0M | -22M | -8.4M |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 56M |
| Long-Term Debt | N/A | N/A | 0 | 39M | 40M | 47M | 47M | 47M | 47M | 47M |
| Debt/Equity | 15.14 | 16.92 | 0.00 | 0.36 | 0.35 | 0.28 | 0.19 | 0.20 | 0.20 | 0.21 |
| Interest Coverage | -0.2 | -0.1 | -0.1 | -0.0 | -0.1 | 1.6 | -0.0 | -0.0 | 1.2 | 1.2 |
| Equity | 142M | 146M | 150M | 109M | 114M | 169M | 243M | 241M | 238M | 230M |
| Total Assets | 2.3B | 2.6B | 679M | 658M | 621M | 1.0B | 1.1B | 1.4B | 1.1B | 49M |
| Total Liabilities | 2.2B | 2.5B | 529M | 549M | 508M | 880M | 885M | 1.2B | 891M | 1.7M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | -3.1M | 1.6M | -3.8M | 2.4M | 11M | 21M | 31M | 47M | 70M | 70M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||||
| EPS | -0.95 | 0.06 | -0.38 | 0.11 | 0.34 | 0.30 | 0.11 | 0.29 | 0.34 | 0.10 |
| Owner EPS | 0.16 | 0.21 | 0.52 | 0.30 | 0.49 | 0.56 | 0.35 | 0.48 | 0.51 | 0.29 |
| Book Value | 9.70 | 7.38 | 6.34 | 4.48 | 4.58 | 6.85 | 5.21 | 4.66 | 4.51 | 4.39 |
| Cash Flow/Share | 0.16 | 0.21 | 0.52 | 0.30 | 0.49 | 0.56 | 0.35 | 0.48 | 0.52 | 0.19 |
| Dividends/Share | 2.04 | 0.60 | 0.28 | 0.30 | 0.37 | 0.36 | 0.24 | 0.26 | 0.40 | 0.39 |
| Shares Out. | 14.7M | 19.7M | 23.7M | 24.2M | 24.8M | 24.7M | 46.6M | 51.6M | 52.7M | 52.4M |
| Valuation | ||||||||||
| P/E Ratio | N/A | 27.6 | N/A | 14.2 | 5.6 | 8.0 | 11.6 | 6.3 | 6.9 | 8.0 |
| P/FCF | 11.3 | 7.7 | 2.5 | 5.2 | 3.9 | 4.3 | 3.6 | 3.8 | 4.5 | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | 4.6 | N/A | N/A | 1.1 | N/A |
| Price/Book | 0.2 | 0.2 | 0.2 | 0.3 | 0.4 | 0.3 | 0.2 | 0.4 | 0.5 | 0.2 |
| Price/Sales | N/A | 2.1 | 5.7 | 2.5 | 1.9 | 2.9 | 3.8 | 2.3 | 2.9 | 2.0 |
| FCF Yield | 8.9% | 12.9% | 40.3% | 19.2% | 25.6% | 23.5% | 27.4% | 26.3% | 22.1% | N/A |
| Market Cap | 26M | 33M | 30M | 38M | 48M | 59M | 59M | 94M | 123M | 42M |
| Avg. Price | 1.49 | 1.84 | 1.44 | 1.56 | 1.34 | 2.20 | 1.64 | 1.45 | 1.99 | 0.80 |
| Year-End Price | 1.79 | 1.66 | 1.29 | 1.56 | 1.92 | 2.39 | 1.27 | 1.82 | 2.33 | 0.80 |
Lument Finance Trust, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
Lument Finance Trust, Inc. trades at 2.4x trailing earnings, compared to its 15-year median P/E of 8.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 1.6x vs a median of 4.3x. The company's 5-year average ROIC is 12.8%. Total shareholder yield (dividends) is 48.7%. At current prices, the estimated annualized return to fair value is +2.6%.
Lument Finance Trust, Inc. (LFT) has a net profit margin of 49.5%. This is a strong margin indicating high profitability.
Lument Finance Trust, Inc. (LFT) generated $27 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Lument Finance Trust, Inc. (LFT) has a debt-to-equity ratio of 0.20. This indicates a conservatively financed balance sheet.
Lument Finance Trust, Inc. (LFT) reported earnings per share (EPS) of $0.34 in its most recent fiscal year.
Lument Finance Trust, Inc. (LFT) has a return on equity (ROE) of 7.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 9 years of financial data for Lument Finance Trust, Inc. (LFT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Lument Finance Trust, Inc. (LFT) has a book value per share of $4.51, based on its most recent annual SEC filing.