Lument Finance Trust, Inc. (LFT) AI Stock Analysis

Lument Finance Trust, Inc. is a New York-based real estate investment trust that specializes in investing in, financing, and managing a diverse portfolio of commercial real estate debt investments across the United States. Its primary strategy focuses on transitional floating rate commercial mortgage loans targeting middle market multi-family assets. The company also participates in other commercial real estate debt investments, including mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed-rate loans, construction loans, and other debt instruments. Formed in 2012 and formerly known as Hunt Companies Finance Trust, Inc., the company operates as a qualified REIT under the Internal Revenue Code.

Lument Finance Trust expanded revenue from $21.1M in FY2021 to $79.2M in FY2025, recording a 5-year revenue CAGR of 32.8%. Revenue grew 127.1% in FY2025, though net income fell from $22.6M in FY2024 to -$2.7M, resulting in diluted EPS of -$0.02. For the trailing twelve months ended June 30, 2026, revenue stood at $4.3M with an operating margin of 196.4% and an EPS of -$3.50. In the latest quarter ended June 30, 2026, quarterly revenue increased 208.5% year-over-year, while quarterly earnings declined 87.1%.

As of June 30, 2026, Lument Finance Trust held $29.0M in cash and short-term investments against $901.5M in total debt, resulting in net debt of $872.5M. Total assets stood at $1.12B compared to shareholders' equity of $204.7M, yielding a debt-to-equity ratio of 4.40. In FY2025, operating cash flow was $10.1M, free cash flow reached $8.6M, capital expenditures were $1.5M, and dividends paid totaled $23.1M. Over five years, the company's share count increased 110.3%.

At its last close of $4.40 on October 16, 2026, Lument Finance Trust carried a market capitalization of $23.1M and an enterprise value of $953.0M. The stock trades at a price-to-sales multiple of 5.4x, above the 3.7x median of its US-listed Real Estate peers. Its price-to-book ratio is 0.2x, while enterprise value to revenue is 46.1x. Over the past year, the stock returned -72.5%, trailing the 16.8% return of the S&P 500 benchmark. The stock has fallen 66.4% year-to-date and trades 55.6% below its 200-day moving average.

Wall Street coverage consists of 2 Hold ratings, with 0 Buy and 0 Sell ratings. The mean price target is $2.75, which is 37.5% below the last close of $4.40. For the fiscal year ending December 31, 2026, analysts estimate revenue of $29.3M and an EPS of -$1.10. For the following fiscal year, 1 analyst estimates revenue of $18.6M and an EPS of $0.10. LFT recorded 0 EPS beats over the last 4 quarters, and its next earnings date is November 11, 2026.

This page is an AI-written research summary of Lument Finance Trust, Inc. (LFT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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