LFT
Lument Finance Trust, Inc.
REIT - Mortgage
Market Cap$61M
5Y Perf.-49.6%
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Stock Comparison
LFT vs ACRE
Revenue, margins, valuation, and 5-year total return — side by side.
ACRE
Ares Commercial Real Estate Corporation
REIT - Mortgage
Market Cap$280M
5Y Perf.-32.2%
LFT vs ACRE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LFT | ACRE |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $61M | $280M |
| Revenue (TTM) | $61M | $55M |
| Net Income (TTM) | $-7M | $-20M |
| Gross Margin | 69.4% | 46.3% |
| Operating Margin | 76.1% | 44.6% |
| Forward P/E | — | 16.3x |
| Total Debt | $0.00 | $1.05B |
| Cash & Equiv. | $23M | $29M |
LFT vs ACRE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LFT
ACRE
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Lument Finance Trus… (LFT) | 100 | 50.4 | -49.6% |
| Ares Commercial Rea… (ACRE) | 100 | 67.8 | -32.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LFT vs ACRE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: LFT leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Ares Commercial Real Estate Corporation is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
LFT
Lument Finance Trust, Inc.
The Real Estate Income Play
LFT carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 3 yrs, beta 0.87, yield 30.2%
- Lower volatility, beta 0.87
- Beta 0.87, yield 30.2%
Best for: income & stability and sleep-well-at-night
ACRE
Ares Commercial Real Estate Corporation
The Real Estate Income Play
ACRE is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth -2.8%, EPS growth 97.4%, 3Y rev CAGR -7.8%
- 43.3% 10Y total return vs LFT's -1.2%
- -2.8% FFO/revenue growth vs LFT's -100.0%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ACRE | -2.8% FFO/revenue growth vs LFT's -100.0% |
| Value | LFT | Better valuation composite |
| Quality / Margins | LFT | -12.2% margin vs ACRE's -36.3% |
| Stability / Safety | LFT | Beta 0.87 vs ACRE's 0.99 |
| Dividends | LFT | 30.2% yield, 3-year raise streak, vs ACRE's 14.1% |
| Momentum (1Y) | ACRE | +20.7% vs LFT's -49.4% |
| Efficiency (ROA) | LFT | -0.7% ROA vs ACRE's -1.3% |
LFT vs ACRE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
LFT vs ACRE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLLFTLAGGINGACRE
ACREAres Commercial Real …
1leads
LFTLument Finance Trust,…
4leads
6 Total Categories
CATEGORYLEADERvs ACREMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
LFT4/6
Valuation MetricsMultiples, price ratios, and targets
LFT2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
LFT4/5
Total Returns1Y, 3Y, 5Y total returns with dividends
ACRE4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
LFT2/2
Income & Cash Flow (Last 12 Months)
LFT leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
LFT and ACRE operate at a comparable scale, with $61M and $55M in trailing revenue. LFT is the more profitable business, keeping -12.2% of every revenue dollar as net income compared to ACRE's -36.3%. On growth, ACRE holds the edge at -10.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | LFTLument Finance Tr… | ACREAres Commercial R… |
|---|---|---|
| RevenueTrailing 12 months | $61M | $55M |
| EBITDAEarnings before interest/tax | $47M | $31M |
| Net IncomeAfter-tax profit | -$7M | -$20M |
| Free Cash FlowCash after capex | $10M | -$44M |
| Gross MarginGross profit ÷ Revenue | +69.4% | +46.3% |
| Operating MarginEBIT ÷ Revenue | +76.1% | +44.6% |
| Net MarginNet income ÷ Revenue | -12.2% | -36.3% |
| FCF MarginFCF ÷ Revenue | +16.5% | -80.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | -100.0% | -10.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -3.5% | -2.0% |
LFT leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
LFT leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | LFTLument Finance Tr… | ACREAres Commercial R… |
|---|---|---|
| Market CapShares × price | $61M | $280M |
| Enterprise ValueMkt cap + debt − cash | $38M | $1.3B |
| Trailing P/EPrice ÷ TTM EPS | -8.29x | -307.93x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 16.34x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 18.49x |
| Price / SalesMarket cap ÷ Revenue | — | 3.28x |
| Price / BookPrice ÷ Book value/share | 0.28x | 0.54x |
| Price / FCFMarket cap ÷ FCF | 6.02x | 14.18x |
LFT leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
LFT leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
LFT delivers a -3.3% return on equity — every $100 of shareholder capital generates $-3 in annual profit, vs $-4 for ACRE. On the Piotroski fundamental quality scale (0–9), ACRE scores 5/9 vs LFT's 2/9, reflecting solid financial health.
| Metric | LFTLument Finance Tr… | ACREAres Commercial R… |
|---|---|---|
| ROE (TTM)Return on equity | -3.3% | -3.9% |
| ROA (TTM)Return on assets | -0.7% | -1.3% |
| ROICReturn on invested capital | — | +2.9% |
| ROCEReturn on capital employed | — | +5.8% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 5 |
| Debt / EquityFinancial leverage | — | 2.06x |
| Net DebtTotal debt minus cash | -$23M | $1.0B |
| Cash & Equiv.Liquid assets | $23M | $29M |
| Total DebtShort + long-term debt | $0 | $1.0B |
| Interest CoverageEBIT ÷ Interest expense | — | 0.95x |
LFT leads this category, winning 4 of 5 comparable metrics.
Total Returns (Dividends Reinvested)
ACRE leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ACRE five years ago would be worth $7,045 today (with dividends reinvested), compared to $6,981 for LFT. Over the past 12 months, ACRE leads with a +20.7% total return vs LFT's -49.4%. The 3-year compound annual growth rate (CAGR) favors LFT at 5.9% vs ACRE's -1.5% — a key indicator of consistent wealth creation.
| Metric | LFTLument Finance Tr… | ACREAres Commercial R… |
|---|---|---|
| YTD ReturnYear-to-date | -12.4% | +9.9% |
| 1-Year ReturnPast 12 months | -49.4% | +20.7% |
| 3-Year ReturnCumulative with dividends | +18.8% | -4.4% |
| 5-Year ReturnCumulative with dividends | -30.2% | -29.5% |
| 10-Year ReturnCumulative with dividends | -1.2% | +43.3% |
| CAGR (3Y)Annualised 3-year return | +5.9% | -1.5% |
ACRE leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — LFT and ACRE each lead in 1 of 2 comparable metrics.
Risk & Volatility
LFT is the less volatile stock with a 0.87 beta — it tends to amplify market swings less than ACRE's 0.99 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ACRE currently trades 85.7% from its 52-week high vs LFT's 43.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LFTLument Finance Tr… | ACREAres Commercial R… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.87x | 0.99x |
| 52-Week HighHighest price in past year | $2.68 | $5.89 |
| 52-Week LowLowest price in past year | $1.15 | $4.05 |
| % of 52W HighCurrent price vs 52-week peak | +43.3% | +85.7% |
| RSI (14)Momentum oscillator 0–100 | 32.9 | 53.4 |
| Avg Volume (50D)Average daily shares traded | 128K | 396K |
Evenly matched — LFT and ACRE each lead in 1 of 2 comparable metrics.
Analyst Outlook
LFT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, LFT offers the higher dividend yield at 30.16% vs ACRE's 14.07%.
| Metric | LFTLument Finance Tr… | ACREAres Commercial R… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $5.00 |
| # AnalystsCovering analysts | — | 13 |
| Dividend YieldAnnual dividend ÷ price | +30.2% | +14.1% |
| Dividend StreakConsecutive years of raises | 3 | 0 |
| Dividend / ShareAnnual DPS | $0.35 | $0.71 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
LFT leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
LFT leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). ACRE leads in 1 (Total Returns). 1 tied.
Best OverallLument Finance Trust, Inc. (LFT)Leads 4 of 6 categories
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LFT vs ACRE: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is LFT or ACRE a better buy right now?
For growth investors, Ares Commercial Real Estate Corporation (ACRE) is the stronger pick with -2.
8% revenue growth year-over-year, versus -100. 0% for Lument Finance Trust, Inc. (LFT). Analysts rate Ares Commercial Real Estate Corporation (ACRE) a "Buy" — based on 13 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — LFT or ACRE?
Over the past 5 years, Ares Commercial Real Estate Corporation (ACRE) delivered a total return of -29.
5%, compared to -30. 2% for Lument Finance Trust, Inc. (LFT). Over 10 years, the gap is even starker: ACRE returned +43. 3% versus LFT's -1. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — LFT or ACRE?
By beta (market sensitivity over 5 years), Lument Finance Trust, Inc.
(LFT) is the lower-risk stock at 0. 87β versus Ares Commercial Real Estate Corporation's 0. 99β — meaning ACRE is approximately 14% more volatile than LFT relative to the S&P 500.
04Which is growing faster — LFT or ACRE?
By revenue growth (latest reported year), Ares Commercial Real Estate Corporation (ACRE) is pulling ahead at -2.
8% versus -100. 0% for Lument Finance Trust, Inc. (LFT). On earnings-per-share growth, the picture is similar: Ares Commercial Real Estate Corporation grew EPS 97. 4% year-over-year, compared to -141. 2% for Lument Finance Trust, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — LFT or ACRE?
Ares Commercial Real Estate Corporation (ACRE) is the more profitable company, earning -1.
1% net margin versus -12. 2% for Lument Finance Trust, Inc. — meaning it keeps -1. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LFT leads at 76. 1% versus 72. 4% for ACRE. At the gross margin level — before operating expenses — LFT leads at 69. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — LFT or ACRE?
All stocks in this comparison pay dividends.
Lument Finance Trust, Inc. (LFT) offers the highest yield at 30. 2%, versus 14. 1% for Ares Commercial Real Estate Corporation (ACRE).
07Is LFT or ACRE better for a retirement portfolio?
For long-horizon retirement investors, Lument Finance Trust, Inc.
(LFT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 87), 30. 2% yield). Both have compounded well over 10 years (LFT: -1. 2%, ACRE: +43. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between LFT and ACRE?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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