Lument Finance Trust, Inc. (LFT) Financial Ratios
14 years of historical data (2012–2025) · Real Estate · REIT - Mortgage
EV/EBITDA
↑
19.21
+16% vs avg
5yr avg: 16.49
30Y Low0.2·High70.9
P/FCF
↑
6.11
-2% vs avg
5yr avg: 6.21
30Y Low4.9·High32.4
P/B Ratio
↓
0.24
↓-49% vs avg
5yr avg: 0.47
30Y Low0.0·High0.7
ROE
↓
-1.2%
↑-121% vs avg
5yr avg: 5.7%
30Y Low-1%·High9%
Debt/EBITDA
↑
18.66
+19% vs avg
5yr avg: 15.64
30Y Low0.2·High21.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LFT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Lument Finance Trust, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 6.1x P/FCF, roughly in line with the 5-year average of 6.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $52M | $74M | $135M | $122M | $92M | $96M | $82M | $77M | $70M | $84M | $76M |
| Enterprise Value | $1.0B | $1.0B | $942M | $1.3B | $924M | $955M | $573M | $611M | $586M | $1.3B | $1.4B |
| P/E Ratio → | -7.14 | — | 7.59 | 8.03 | 17.27 | 12.80 | 9.62 | 29.36 | — | 69.57 | — |
| P/S Ratio | 0.66 | 0.93 | 3.87 | 3.79 | 4.59 | 4.55 | 4.26 | 4.70 | 14.12 | 4.64 | 9.99 |
| P/B Ratio | 0.24 | 0.34 | 0.57 | 0.51 | 0.38 | 0.57 | 0.72 | 0.70 | 0.47 | 0.03 | 0.03 |
| P/FCF | 6.11 | 8.61 | 4.97 | 4.92 | 5.64 | 6.92 | 6.67 | 10.51 | — | 19.80 | 32.45 |
| P/OCF | 5.19 | 7.31 | 4.97 | 4.92 | 5.64 | 6.92 | 6.67 | 10.51 | 5.75 | 19.75 | 32.45 |
P/E links to full P/E history page with 30-year chart
LFT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Lument Finance Trust, Inc.'s enterprise value stands at 19.2x EBITDA, 16% above its 5-year average of 16.5x. The Real Estate sector median is 17.0x, placing the stock at a 13% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 13.12 | 27.01 | 39.40 | 46.16 | 45.32 | 29.93 | 37.55 | 117.36 | 70.51 | 182.54 |
| EV / EBITDA | 19.21 | 19.62 | — | 13.37 | — | — | — | — | 6.22 | 0.18 | 16.69 |
| EV / EBIT | 19.50 | 20.31 | — | 13.37 | — | — | — | — | — | — | — |
| EV / FCF | — | 121.13 | 34.71 | 51.09 | 56.74 | 68.94 | 46.88 | 83.89 | — | 301.16 | 592.84 |
LFT Profitability
Margins and return-on-capital ratios measuring operating efficiency
Lument Finance Trust, Inc. earns an operating margin of 65.9%, significantly above the Real Estate sector average of 24.8%. Operating margins have compressed from 68.5% to 65.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -1.2% indicates the company is currently destroying shareholder equity. ROIC of 3.5% represents below-average returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 90.1% | 90.1% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | -20008.5% | -4639.2% | -19370.0% |
| Operating Margin | 65.9% | 65.9% | — | 68.5% | — | — | — | — | 753.4% | 39829.4% | -105.1% |
| Net Profit Margin | -3.5% | -3.5% | 65.0% | 61.5% | 49.3% | 50.0% | 44.1% | 38.4% | -109.6% | 26.1% | -105.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -1.2% | -1.2% | 9.5% | 8.2% | 4.8% | 7.4% | 7.6% | 4.8% | -0.4% | 0.2% | -0.7% |
| ROA | -0.2% | -0.2% | 1.8% | 1.5% | 0.9% | 1.3% | 1.3% | 0.9% | -0.3% | 0.2% | -0.3% |
| ROIC | 3.5% | 3.5% | — | 1.3% | — | — | — | — | 1.3% | 147.6% | -0.2% |
| ROCE | 4.5% | 4.5% | — | 1.7% | — | — | — | — | 2.3% | 293.8% | -0.3% |
LFT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Lument Finance Trust, Inc. carries a Debt/EBITDA ratio of 18.7x, which is highly leveraged (136% above the sector average of 7.9x). Net debt stands at $965M ($988M total debt minus $23M cash). Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.51 | 4.51 | 3.68 | 4.96 | 3.61 | 5.16 | 4.42 | 5.02 | 3.48 | 0.48 | 0.60 |
| Debt / EBITDA | 18.66 | 18.66 | — | 12.63 | — | — | — | — | 5.55 | 0.17 | 16.11 |
| Net Debt / Equity | — | 4.40 | 3.39 | 4.74 | 3.43 | 5.07 | 4.32 | 4.92 | 3.43 | 0.46 | 0.58 |
| Net Debt / EBITDA | 18.22 | 18.22 | — | 12.08 | — | — | — | — | 5.47 | 0.16 | 15.78 |
| Debt / FCF | — | 112.52 | 29.73 | 46.17 | 51.10 | 62.03 | 40.20 | 73.38 | — | 281.36 | 560.40 |
| Interest Coverage | 0.95 | 0.95 | — | 1.26 | — | — | — | — | 0.90 | -90.02 | -0.00 |
LFT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | 139.71 | — | 176.78 | 119.67 | 165.76 | 54.98 | 181085.84 | 92505.05 |
| Quick Ratio | — | — | — | 139.71 | — | 176.78 | 119.67 | 165.76 | 54.98 | 181086.58 | 92505.88 |
| Cash Ratio | — | — | 4.88 | 4.96 | — | 2.49 | 2.20 | 2.77 | 6.40 | 181.09 | 92.51 |
| Asset Turnover | — | 0.07 | 0.03 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.00 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
LFT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Lument Finance Trust, Inc. returns 35.0% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 35.0% | 24.8% | 11.6% | 10.7% | 12.7% | 10.4% | 9.4% | 8.7% | 7.3% | 14.2% | 39.4% |
| Payout Ratio | — | — | 69.2% | 66.2% | 118.1% | 94.8% | 90.4% | 106.1% | — | 252.9% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 13.2% | 12.4% | 5.8% | 7.8% | 10.4% | 3.4% | — | 1.4% | — |
| FCF Yield | 16.4% | 11.6% | 20.1% | 20.3% | 17.7% | 14.5% | 15.0% | 9.5% | — | 5.0% | 3.1% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 59.8% | 0.0% | 0.0% | 0.0% | 0.0% | 0.4% |
| Total Shareholder Yield | 35.0% | 24.8% | 11.6% | 10.7% | 12.7% | 70.2% | 9.4% | 8.7% | 7.3% | 14.2% | 39.7% |
| Shares Outstanding | — | $52M | $52M | $52M | $48M | $25M | $25M | $24M | $25M | $21M | $15M |
Peer Comparison
Compare LFT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LFTYou | $52M | -7.1 | 19.2 | 6.1 | 90.1% | 65.9% | -1.2% | 3.5% | 18.7 |
 ACRE | $251M | -275.6 | 18.1 | 12.7 | 57.4% | 72.4% | -0.2% | 2.9% | 14.9 |
 TPVG | $193M | 3.9 | 8.5 | — | 83.5% | 77.9% | 14.1% | 7.2% | 6.2 |
 RC | $264M | -1.1 | 47.5 | — | 87.7% | 24.2% | -12.8% | 1.2% | 47.4 |
 GPMT | $64M | -1.1 | 20.6 | 23.9 | 83.0% | 43.6% | -7.0% | 2.6% | 20.6 |
 BXMT | $3B | 28.1 | 16.2 | 11.0 | 76.9% | 71.6% | 3.0% | 4.3% | 14.0 |
 KREF | $449M | -6.6 | 18.4 | 6.7 | 88.3% | 59.3% | -3.6% | 3.4% | 17.1 |
 TRTX | $660M | 15.0 | 15.1 | 7.3 | 79.3% | 73.0% | 5.5% | 4.7% | 12.9 |
 ARI | $1B | 13.3 | 19.4 | 33.8 | 80.1% | 65.4% | 6.8% | 4.0% | 16.7 |
 LADR | $1B | 19.9 | 17.2 | 14.9 | 71.8% | 62.0% | 4.3% | 4.4% | 12.7 |
 FBRT | $638M | 13.0 | 48.4 | 2.2 | — | — | 5.4% | 1.2% | 43.6 |
| Real Estate Median | — | 24.1 | 17.0 | 15.4 | 49.3% | 24.8% | 3.7% | 2.7% | 7.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
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LFT — Frequently Asked Questions
Quick answers to the most common questions about buying LFT stock.
What is Lument Finance Trust, Inc.'s P/E ratio?
Lument Finance Trust, Inc.'s current P/E ratio is -7.1x. The historical average is 21.9x.
What is Lument Finance Trust, Inc.'s EV/EBITDA?
Lument Finance Trust, Inc.'s current EV/EBITDA is 19.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 25.7x.
What is Lument Finance Trust, Inc.'s ROE?
Lument Finance Trust, Inc.'s return on equity (ROE) is -1.2%. The historical average is 3.7%.
Is LFT stock overvalued?
Based on historical data, Lument Finance Trust, Inc. is trading at a P/E of -7.1x. Compare with industry peers and growth rates for a complete picture.
What is Lument Finance Trust, Inc.'s dividend yield?
Lument Finance Trust, Inc.'s current dividend yield is 34.99%.
What are Lument Finance Trust, Inc.'s profit margins?
Lument Finance Trust, Inc. has 90.1% gross margin and 65.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Lument Finance Trust, Inc. have?
Lument Finance Trust, Inc.'s Debt/EBITDA ratio is 18.7x, indicating high leverage. A ratio above 4x may signal elevated financial risk.