Lument Finance Trust, Inc. (LFT) 10-Year Financial Performance & Capital Metrics

LFT • • REIT / Real Estate

Real EstateMortgage REITsCommercial Mortgage REITsSenior Commercial Lenders

AboutLument 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.Show more

Revenue $35M +8.7%
FFO $23M -75.4%
FFO/Share 0.43 -75.5%
FFO Payout 69.23% +389.1%
FFO per Share 0.43 -75.5%
NOI Margin 100%
FFO Margin 64.97% -77.4%
ROE 9.46% +16.1%
ROA 1.76% +14.9%
Debt/Assets 77.61% -5.9%
Net Debt/EBITDA -
Book Value/Share 4.55 -1.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 29.4%
✓High NOI margin of 100.0%
✓Trading at only 0.3x book value

✗Weaknesses

✗High debt to equity ratio of 3.7x
✗Weak momentum: RS Rating 12 (bottom 12%)
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y8.91%

5Y16.47%

3Y18.28%

TTM62.51%

Profit (Net Income) CAGR

10Y21.19%

5Y29.37%

3Y29.1%

TTM-57.15%

EPS CAGR

10Y28.04%

5Y25.32%

3Y4.26%

TTM-72.78%

ROCE

10Y Avg59.5%

5Y Avg1.72%

3Y Avg1.72%

Latest-

Peer Comparison

Senior Commercial Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KREFKKR Real Estate Finance Trust Inc.	538.32M	8.22	43.26	-13.41%	-3.17%	-0.52%	23.12%	2.76
SEVNSeven Hills Realty Trust	139.56M	9.14	7.62	-14.14%	55.38%	5.75%	14.41%	1.55
LFTLument Finance Trust, Inc.	75.41M	1.44	4.24	8.68%	17.4%	4.26%	35.98%	3.68
GPMTGranite Point Mortgage Trust Inc.	117.09M	2.47	-0.56	-6.3%	-62.12%	-9.69%	5.11%	2.38
CMTGClaros Mortgage Trust, Inc.	399.62M	2.85	-1.78	31.45%	-106.13%	-21.19%	20.81%	2.43
BXMTBlackstone Mortgage Trust, Inc.	3.27B	19.50	-16.67	163.59%	25.99%	2.98%	11.19%	4.15

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	18.24M	7.6M	18.05M	4.99M	16.27M	19.14M	21.07M	20.02M	32.08M	34.86M
Revenue Growth %	0.23%	-0.58%	1.37%	-0.72%	2.26%	0.18%	0.1%	-0.05%	0.6%	0.09%
Property Operating Expenses	2.45B	1.48B	855.58M	1B	0	0	0	0	0	0
Net Operating Income (NOI)+	-	-	-	-	-	-	-	-	-	-
NOI Margin %	-	-	-	-	-	-	-	-	-	-
Operating Expenses+	6.66B	5.87B	5.45B	32.61M	16.27M	19.14M	21.07M	20.02M	10.1M	34.86M
G&A Expenses	9.69M	8.54M	7.88M	6.6M	6.77M	6.25M	6.12M	3.71M	10.1M	4.84M
EBITDA+	83.56M	83.15M	7.26B	94.2M	0	0	0	0	94.52M	0
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization+	83.11M	91.14M	73.34M	56.59M	0	0	0	0	72.54M	0
D&A / Revenue %	-	-	-	-	-	-	-	-	-	-
Operating Income+	450.48K	-7.99M	7.19B	37.6M	0	0	0	0	21.98M	0
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense+	83.11M	71.39M	69.15M	41.55M	23.64M	15.19M	15.51M	32.81M	74.8M	80.77M
Interest Coverage	0.01x	-0.11x	103.99x	0.90x	-	-	-	-	0.29x	-
Non-Operating Income	450.48K	-7.99M	-67.8M	0	0	0	0	0	-72.54M	0
Pretax Income+	450.48K	-7.99M	4.71M	-3.95M	6.21M	7.97M	10.61M	9.87M	19.72M	22.67M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	3.52B	3.52B	1.18B	1.52M	-43.52K	-476.25K	77.89K	11.09K	5.72K	18.81K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	450.48K	-7.99M	4.71M	-5.47M	6.25M	8.45M	10.53M	9.86M	19.71M	22.65M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.86%	-18.74%	1.59%	-2.16%	2.14%	0.35%	0.25%	-0.06%	1%	0.15%
Funds From Operations (FFO)+	-	-	-	-	-	-	-	-	-	-
FFO Margin %	-	-	-	-	-	-	-	-	-	-
FFO Growth %	1.68%	-0%	-0.06%	-0.34%	-	-	1.35%	-0.09%	8.3%	-
FFO per Share+	-	-	-	-	-	-	-	-	-	-
FFO Payout Ratio %	-	-	-	-	-	-	-	-	-	-
EPS (Diluted)+	-0.20	-0.52	0.06	-0.22	0.11	0.34	0.30	0.11	0.29	0.34
EPS Growth %	-7.97%	-1.6%	1.11%	-4.83%	1.5%	2.09%	-0.12%	-0.63%	1.64%	0.17%
EPS (Basic)	-0.20	-0.55	0.06	-0.23	0.11	0.34	0.30	0.11	0.29	0.34
Diluted Shares Outstanding	15.37M	15.28M	20.93M	24.65M	23.69M	24.93M	24.95M	48.34M	52.23M	52.3M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	2.5B	2.3B	2.61B	679.35M	657.9M	621.49M	1.05B	1.13B	1.45B	1.13B
Asset Growth %	-0.15%	-0.08%	0.14%	-0.74%	-0.03%	-0.06%	0.69%	0.08%	0.28%	-0.22%
Real Estate & Other Assets+	-575.74M	-874.37M	-1.29B	-24.36M	1.59M	1.83M	1.89M	-795.66K	2.25M	-649.29K
PP&E (Net)	0	-1.43B	-1.32B	-679.35M	0	0	0	0	0	0
Investment Securities	1000K	1000K	1000K	1000K	0	0	0	0	0	0
Total Current Assets+	597.61B	898.46B	1.33T	67.71M	653.61M	618.74M	1.05B	0	1.44B	0
Cash & Equivalents	26.14M	27.53M	34.35M	7.88M	10.94M	11.38M	14.75M	43.86M	51.25M	69.17M
Receivables	1000K	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	29.34M	0	27.59M	0	7.41M	60.02M	29.91M	-49.66M	8.86M	-75.12M
Intangible Assets	4.27M	3.44M	2.96M	4M	2.7M	919.68K	552K	795.66K	691.97K	649.29K
Total Liabilities	2.32B	2.16B	2.47B	529.15M	549.26M	507.79M	879.55M	884.96M	1.21B	890.7M
Total Debt+	1.79B	1.34B	1.22B	523.21M	545.31M	502.62M	873.63M	876.28M	1.19B	875.86M
Net Debt	1.77B	1.31B	1.19B	515.33M	534.37M	491.24M	858.88M	832.42M	1.14B	806.69M
Long-Term Debt	1.79B	1.34B	1.22B	523.21M	545.31M	502.62M	873.63M	876.28M	1.19B	875.86M
Short-Term Borrowings	0	1000K	1000K	0	0	0	0	0	0	0
Capital Lease Obligations	0	37.16M	37.16M	37.16M	0	0	0	0	0	0
Total Current Liabilities+	6.57M	9.71M	7.32M	1.23M	3.94M	5.17M	5.92M	0	10.34M	14.16M
Accounts Payable	6.57M	9.71M	7.32M	1.23M	369.16K	338.42K	147.8K	2.36M	0	2.7M
Deferred Revenue	-512.16M	203.74K	222.52K	-521.98M	0	0	0	0	0	0
Other Liabilities	-1.79B	0	0	-523.21M	1	0	0	-876.28M	2.37M	-875.86M
Total Equity+	177.49M	2.25B	2.56B	150.2M	108.64M	113.7M	169.38M	243M	240.79M	237.9M
Equity Growth %	-0.17%	11.67%	0.14%	-0.94%	-0.28%	0.05%	0.49%	0.43%	-0.01%	-0.01%
Shareholders Equity	177.49M	142.47M	145.79M	150.1M	108.55M	113.6M	169.28M	242.9M	240.69M	237.8M
Minority Interest	0	2.11B	2.41B	99.5K	99.5K	99.5K	99.5K	99.5K	99.5K	99.5K
Common Stock	146.27K	175.35K	221.39K	236.83K	236.88K	249.39K	249.43K	522.25K	522.49K	523.09K
Additional Paid-in Capital	189.04M	204.26M	224.05M	231.31M	228.14M	233.85M	233.83M	314.6M	314.59M	314.7M
Retained Earnings	7.35M	-637.5K	4.07M	-3.84M	-119.83M	-120.5M	-122.06M	31.25M	-131.67M	70.02M
Preferred Stock	37.16M	37.16M	37.16M	37.16M	0	0	57.25M	57.25M	57.25M	57.25M
Return on Assets (ROA)	0%	-0%	0%	-0%	0.01%	0.01%	0.01%	0.01%	0.02%	0.02%
Return on Equity (ROE)	0%	-0.01%	0%	-0%	0.05%	0.08%	0.07%	0.05%	0.08%	0.09%
Debt / Assets	0.72%	0.58%	0.47%	0.77%	0.83%	0.81%	0.83%	0.78%	0.82%	0.78%
Debt / Equity	10.11x	0.60x	0.48x	3.48x	5.02x	4.42x	5.16x	3.61x	4.96x	3.68x
Net Debt / EBITDA	21.16x	15.78x	0.16x	5.47x	-	-	-	-	12.08x	-
Book Value per Share	11.55	147.15	122.26	6.09	4.59	4.56	6.79	5.03	4.61	4.55

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.06M	2.34M	4.24M	12.25M	7.28M	12.22M	13.85M	16.29M	24.74M	27.13M
Operating CF Growth %	-0.9%	0.13%	0.81%	1.89%	-0.41%	0.68%	0.13%	0.18%	0.52%	0.1%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	450.48K	-7.99M	4.71M	-5.47M	6.25M	8.45M	10.53M	9.86M	19.71M	22.65M
Depreciation & Amortization	0	-6.75B	-1.48B	2.14B	0	-40M	425.66K	61.14K	0	0
Stock-Based Compensation	63.27K	35.78K	-6.28K	3.43K	8.96K	20.29K	15.61K	15.98K	6.19K	147.44K
Other Non-Cash Items	825.23K	5.64M	-1.9M	-285.78K	3.33M	3.91M	4.57M	6.52M	4.49M	4.18M
Working Capital Changes	724.49K	1.13M	-2.38M	2.79M	-2.3M	-158.44K	-1.27M	-172.86K	531.32K	154.98K
Cash from Investing+	191.3M	-219.13M	-430.63M	1.02B	-42.3M	87.92M	-477.29M	-51.83M	-316.72M	334.09M
Acquisitions (Net)	4.94M	0	10.91K	-58.22M	0	0	0	0	0	0
Purchase of Investments	-253.53M	-591.4M	-1.06B	-25.58M	0	-57.6B	-983.69M	-345.92M	0	0
Sale of Investments	1000K	1000K	1000K	1000K	1000K	0	0	0	0	0
Other Investing	40.68M	12.46M	-486.48K	-1.12M	-80.09M	57.69B	506.4M	294.09M	-316.72M	334.09M
Cash from Financing+	-199.49M	218.18M	434.12M	-1.02B	-8.19M	-46.77M	412.35M	64.63M	296.13M	-341.17M
Dividends Paid	-23.4M	-33.42M	-15.43M	-8.68M	-7.17M	-7.65M	-12.09M	-16.39M	-17.8M	-20.42M
Common Dividends	-19.87M	-29.9M	-11.9M	-5.16M	-6.63M	-7.64M	-9.98M	-11.65M	-13.06M	-15.68M
Debt Issuance (Net)	1000K	0	0	-1000K	1000K	-1000K	1000K	0	1000K	-1000K
Share Repurchases	-358.99K	-283.56K	0	0	0	0	-57.25M	0	0	0
Other Financing	-225.44M	251.88M	449.55M	99.5K	-1.02M	0	-8.75M	-119.38K	-3.81M	0
Net Change in Cash+	-6.13M	1.39M	7.73M	13.59M	-43.2M	53.36M	-51.1M	29.09M	4.15M	20.05M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	32.27M	26.14M	37.89M	45.62M	59.21M	16.01M	69.38M	18.28M	47.37M	51.52M
Cash at End	26.14M	27.53M	45.62M	59.21M	16.01M	69.38M	18.28M	47.37M	51.52M	71.56M
Free Cash Flow+	-2.88M	2.34M	4.23M	-197.26M	7.28M	12.22M	13.85M	16.29M	24.74M	27.13M
FCF Growth %	-1.14%	1.81%	0.81%	-47.67%	1.04%	0.68%	0.13%	0.18%	0.52%	0.1%
FCF / Revenue %	-	-	-	-	-	-	-	-	-	-

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
FFO per Share	5.44	5.44	3.73	2.07	0.26	-1.27	0.44	0.21	1.77	0.43
FFO Payout Ratio	23.79%	35.96%	15.25%	10.09%	106.14%	-24.21%	91.1%	117.35%	14.15%	69.23%
NOI Margin	-13321.11%	-19370.02%	-4639.18%	-20008.55%	100%	100%	100%	100%	100%	100%
Net Debt / EBITDA	21.16x	15.78x	0.16x	5.47x	-	-	-	-	12.08x	-
Debt / Assets	71.82%	58.25%	46.84%	77.02%	82.89%	80.87%	83.29%	77.69%	82.48%	77.61%
Interest Coverage	0.01x	-0.11x	103.99x	0.90x	-	-	-	-	0.29x	-
Book Value / Share	11.55	147.15	122.26	6.09	4.59	4.56	6.79	5.03	4.61	4.55
Revenue Growth	22.86%	-58.32%	137.44%	-72.35%	225.9%	17.66%	10.07%	-4.95%	60.19%	8.68%

Frequently Asked Questions

Valuation & Price

Lument Finance Trust, Inc. (LFT) has a price-to-earnings (P/E) ratio of 4.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Lument Finance Trust, Inc. (LFT) reported $56.3M in revenue for fiscal year 2024. This represents a 551% increase from $8.7M in 2012.

Lument Finance Trust, Inc. (LFT) grew revenue by 8.7% over the past year. This is steady growth.

Yes, Lument Finance Trust, Inc. (LFT) is profitable, generating $9.8M in net income for fiscal year 2024 (65.0% net margin).

Dividend & Returns

Yes, Lument Finance Trust, Inc. (LFT) pays a dividend with a yield of 20.82%. This makes it attractive for income-focused investors.

Lument Finance Trust, Inc. (LFT) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.

Industry Metrics

Lument Finance Trust, Inc. (LFT) generated Funds From Operations (FFO) of $8.1M in the trailing twelve months. FFO is the primary profitability metric for REITs.

Lument Finance Trust, Inc. (LFT) offers a 20.82% dividend yield, which is attractive for income investors. REITs are required to distribute at least 90% of taxable income to shareholders.

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