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LFT

BEARISH
$1.22 Live
Lument Finance Trust, Inc. · NYSE
$1.18 52W Range $2.7

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026
Market cap
$63.93M
P/E
N/A
ROE
-1.2%
Profit margin
-25.2%
Debt/Equity
4.51
Dividend yield
14.75%

AI Analysis

AI-powered fundamental assessment

Confidence
95%
LFT exhibits severe financial distress, anchored by a weak Piotroski F-Score of 2/9 and a total lack of positive technical momentum (0/100). The company is currently trapped in a cycle of deteriorating fundamentals, evidenced by a -80% YoY EPS growth and a catastrophic 260% dividend payout ratio, indicating the dividend is entirely unsustainable. With zero earnings beats in the last four quarters and a 49.4% decline over the past year, the stock is a classic value trap despite its low Price-to-Book ratio.

Key Strengths

Deeply discounted Price-to-Book ratio (0.40)
High nominal dividend yield (14.75%)
Extremely high current ratio (185.49)
Positive gross margin (100%)
Low forward P/E relative to sector averages

Key Risks

Unsustainable dividend payout ratio (260%)
Severe earnings contraction (-80% YoY EPS growth)
High leverage with Debt/Equity at 4.51
Consistent failure to meet earnings estimates (0/4 beats)
Strong bearish technical trend (0/100)
AI Fair Value Estimate
Based on comprehensive analysis
$1.1
-9.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
17
Weak
Value
30
Future
10
Past
20
Health
15
Dividend
10
AI Verdict
High Risk / Avoid
Key drivers: Piotroski F-Score 2/9, 260% Payout Ratio, -80% YoY EPS Growth, 0/100 Technical Trend
Confidence
90%
Value
30/100

P/B is low, but Graham Number is unavailable due to negative earnings.

Positives
  • P/B of 0.40 suggests assets are priced low
Watchpoints
  • Negative ROE and ROA suggest asset impairment
  • P/S ratio is high (5.87) for a distressed REIT
Future
10/100

Growth metrics are in a state of collapse.

Positives
No standout positives identified.
Watchpoints
  • Q/Q Revenue growth -54.11%
  • YoY EPS growth -80%
  • Consistent earnings misses
Past
20/100

Long-term and short-term price performance is overwhelmingly negative.

Positives
No standout positives identified.
Watchpoints
  • 1Y return of -49.4%
  • 5Y return of -41.9%
  • Consistent downward price trajectory
Health
15/100

Piotroski score indicates fundamental instability.

Positives
  • High current ratio
Watchpoints
  • Piotroski F-Score 2/9 (Weak)
  • Debt/Equity 4.51 (High leverage)
Dividend
10/100

Dividend is likely a candidate for a significant cut.

Positives
  • High nominal yield
Watchpoints
  • Payout ratio of 260% is mathematically unsustainable
  • Dividend strength score 40/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$1.22

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LFT and closest competitors.

Updated 2026-04-28
LFT
Lument Finance Trust, Inc.
Primary
5Y
-41.9%
3Y
-2.5%
1Y
-49.4%
6M
-19.0%
1M
-1.6%
1W
-5.4%
AEI
Alset Inc.
Peer
5Y
-99.2%
3Y
+3.2%
1Y
+92.9%
6M
-38.2%
1M
-35.5%
1W
+4.5%
AFC
Advanced Flower Capital Inc.
Peer
5Y
-69.2%
3Y
-52.2%
1Y
-56.7%
6M
-41.0%
1M
+12.4%
1W
+0.4%
SEL
Global Self Storage, Inc.
Peer
5Y
+44.1%
3Y
+22.3%
1Y
+8.5%
6M
+10.0%
1M
+4.5%
1W
+0.8%
SOH
Sotherly Hotels Inc.
Peer
5Y
+26.9%
3Y
-16.8%
1Y
+0.5%
6M
+39.1%
1M
-5.3%
1W
+2.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
9.38
PEG Ratio
N/A
P/B Ratio
0.4
P/S Ratio
5.87
EV/Revenue
99.66
EV/EBITDA
N/A
Market Cap
$63.93M

Profitability

Profit margins and return metrics

Profit Margin -25.19%
Operating Margin 236.71%
Gross Margin 100.0%
ROE -1.2%
ROA -0.23%

Growth

Revenue and earnings growth rates

Revenue Growth N/A
Earnings Growth N/A
Q/Q Revenue Growth -54.11%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
4.51
High debt
Current Ratio
185.49
Strong
Quick Ratio
181.17
Excellent
Cash/Share
$0.44

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
-204.8%
Total Assets
$1.2B
Liabilities
$1.0B
Equity
$0.2B
Debt/Equity
4.55x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
47%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-12
$N/A
2026-03-23
$N/A
-100.0% surprise
2025-11-12
$0.02
-73.3% surprise
2025-08-08
$0.05
-33.3% surprise

Real Estate Sector Comparison

Comparing LFT against 185 companies in the Real Estate sector (8 bullish, 37 neutral, 140 bearish)
Return on Equity (ROE)
-1.2%
This Stock
vs
-30.96%
Sector Avg
-96.1% (Below Avg)
Profit Margin
-25.19%
This Stock
vs
11.38%
Sector Avg
-321.4% (Weaker)
Debt to Equity
4.51
This Stock
vs
2.38
Sector Avg
+89.3% (Higher)
Current Ratio
185.49
This Stock
vs
8.49
Sector Avg
+2086.1% (Stronger)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-K
10-K
2026-03-23

LFT submitted its annual 10-K filing on March 23, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures for analysis.

8-K
FORM 8-K
2026-03-23
8-K
FORM 8-K
2026-02-23

LFT filed an 8-K on February 23, 2026, likely to announce its annual financial results.

8-K
FORM 8-K
2025-12-16
8-K
FORM 8-K
2025-11-28
8-K
FORM 8-K
2025-11-12

LFT filed a current report on November 12, 2025, likely announcing its third-quarter financial results.

10-Q
10-Q
2025-11-12

LFT submitted its quarterly 10-Q filing on November 12, 2025. While the filing includes a dedicated section for Risk Factors under Item 1A, specific financial highlights and detailed risk disclosures were not provided in the available excerpt.

8-K
FORM 8-K
2025-11-07

LFT filed a Form 8-K on November 7, 2025, likely to announce its third-quarter financial results.

8-K
FORM 8-K
2025-09-19
8-K
FORM 8-K
2025-08-08
10-Q
10-Q
2025-08-08

LFT filed its 10-Q on August 8, 2025. The provided excerpt does not contain specific financial highlights but references the company's risk factors under Item 1A.

8-K
FORM 8-K
2025-06-25
8-K
FORM 8-K
2025-06-18
8-K
FORM 8-K
2025-05-12
10-Q
10-Q
2025-05-12
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning LFT from our newsroom.

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