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Lument Finance Trust, Inc. (LFT) Total Return Calculator with Dividends Reinvested

Lument Finance Trust, Inc.

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The total return for Lument Finance Trust, Inc. (LFT) stock is -49.43% over the past 12 months. So far it's down 12.41% this year. The 5-year total return is -30.19%, meaning $10,000 invested in LFT stock 5 years ago would be worth $6,981 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in LFT 1 year ago, it would be worth $4,902 today — you'd have lost $5,098 with dividends reinvested.

With Dividends Reinvested$4,902-50.98%

Price Only (No DRIP)$4,411-55.89%

Dividend Boost+$4914 payments · +4.91% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in LFT

1Y$5,057-$4,943 (-49.4%)-49.4% CAGR

3Y$11,882+$1,882 (+18.8%)5.9% CAGR

5Y$6,981-$3,019 (-30.2%)-6.9% CAGR

10Y$9,880-$120 (-1.2%)-0.1% CAGR

15Y$7,187-$2,813 (-28.1%)-2.2% CAGR

20Y$7,187-$2,813 (-28.1%)-1.6% CAGR

30Y$7,187-$2,813 (-28.1%)-1.1% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-30	$0.06	$2.21	+0.027149
2025-09-30	$0.04	$2.02	+0.020340
2025-12-31	$0.04	$1.41	+0.029716
2026-03-31	$0.04	$1.26	+0.034197

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As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-12.41%	—	-15.33%	+2.92 pp	$8,759
1Y	-49.43%	-49.43%	-56.23%	+6.79 pp	$5,057
3Y	+18.82%	5.92%	-31.76%	+50.59 pp	$11,882
5Y	-30.19%	-6.94%	-68.73%	+38.54 pp	$6,981
10Y	-1.21%	-0.12%	-80.98%	+79.78 pp	$9,880
15Y	-28.13%	-2.18%	-92.00%	+63.87 pp	$7,187
20Y	-28.13%	-1.64%	-92.00%	+63.87 pp	$7,187
30Y	-28.13%	-1.09%	-92.00%	+63.87 pp	$7,187

Risk & Highlights

Best Year+39.07%2021

Worst Year-44.99%2022

Max Drawdown-55.93%2025-05-09 → 2026-05-04

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+0.73%	+0.73%	—	+0.41%	+0.3pp
2025	-36.58%	-45.14%	+8.6pp	+16.64%	-53.2pp
2024	+28.45%	+11.21%	+17.2pp	+24.00%	+4.4pp
2023	+37.77%	+23.94%	+13.8pp	+24.81%	+13.0pp
2022	-44.99%	-51.16%	+6.2pp	-19.95%	-25.0pp

LFT underperformed the S&P 500 by 79.81pp over the past year (-49.43% vs +30.37%).

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LFT Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
LFTLument Finance Trust, Inc.	$61M	-8.7%	-12.4%	-49.4%	+6.8pp	+18.8%	-30.2%	-1.2%
ACREAres Commercial Real Estate Corporation	$280M	+5.6%	+9.9%	+20.7%	+12.8pp	-4.4%	-29.5%	+43.3%
TPVGTriplePoint Venture Growth BDC Corp.	$243M	+17.7%	-6.3%	+19.3%	+17.2pp	-3.4%	-13.5%	+93.3%
RCReady Capital Corporation	$357M	+40.3%	+1.4%	-44.9%	+6.1pp	-54.4%	-44.4%	+6.1%
GPMTGranite Point Mortgage Trust Inc.	$74M	+14.0%	-32.5%	-19.7%	+9.2pp	-34.3%	-65.3%	-50.0%
BXMTBlackstone Mortgage Trust, Inc.	$3.2B	+3.5%	+0.7%	+12.1%	+10.0pp	+48.1%	-4.1%	+50.5%
KREFKKR Real Estate Finance Trust Inc.	$423M	+7.7%	-17.5%	-16.9%	+11.0pp	-0.7%	-35.6%	-9.1%
TRTXTPG RE Finance Trust, Inc.	$656M	+10.0%	-1.0%	+25.7%	+12.8pp	+103.4%	+1.4%	-1.9%
ARIApollo Commercial Real Estate Finance, Inc.	$1.4B	+4.1%	+13.2%	+26.3%	+10.6pp	+50.9%	+12.6%	+60.5%
LADRLadder Capital Corp	$1.3B	+5.6%	-5.5%	+7.5%	+8.8pp	+41.2%	+24.3%	+77.4%
FBRTFranklin BSP Realty Trust, Inc.	$696M	+8.3%	-8.6%	-7.0%	+11.4pp	+2.3%	-11.1%	-11.1%

Compare:LFT vs ACRE LFT vs TPVG LFT vs RC LFT vs ACRE vs TPVG

About LFT Dividend Returns

Lument Finance Trust, Inc. (LFT) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of LFT over the past year?

Lument Finance Trust, Inc. (LFT) delivered a total return of -49.43% over the past year when dividends are reinvested. The price-only return was -56.23%, meaning dividends contributed an additional 6.79 percentage points to total returns.

Q2How much would $10,000 invested in LFT be worth today?

A $10,000 investment in Lument Finance Trust, Inc. one year ago would be worth $5,057 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $4,377. Dividend reinvestment added $679 to the portfolio value.

Q3Does LFT pay dividends?

Yes, Lument Finance Trust, Inc. (LFT) pays dividends. In the last year, LFT paid approximately $0.35 per share in dividends (30.16% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did LFT beat the S&P 500?

No, Lument Finance Trust, Inc. (LFT) underperformed the S&P 500 by 79.81 percentage points over the past year. LFT delivered a total return of -49.43%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed LFT by 79.81pp during this period.

Q5What is LFT's worst drawdown?

Lument Finance Trust, Inc. (LFT) experienced a maximum drawdown of -55.93% over the past year, declining from its peak on 2025-05-09 to its trough on 2026-05-04. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is LFT's long-term total return over 10, 20, or 30 years?

Here are Lument Finance Trust, Inc. (LFT)'s long-term returns with dividends reinvested. Over 10 years, the total return is -1.2% (-0.1% CAGR) — $10,000 would have grown to $9,880. Over 20 years: -28.1% total return (-1.6% CAGR) — $10,000 → $7,187. Over 30 years: -28.1% total return (-1.1% CAGR) — $10,000 → $7,187. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was LFT's best and worst year?

Lument Finance Trust, Inc.'s best calendar year was 2021 with a total return of 39.1%. Its worst year was 2022 with a total return of -45.0%. This range shows the volatility investors should expect — the difference between the best and worst year is 84.1 percentage points.