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Lument Finance Trust, Inc.
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$217M
Market Cap
—
P/E
38.26
PEG
—
ROCE
-1.2%
ROE
3.63
D/E
—
OPM
8
α RS
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About

Lument Finance Trust, Inc., a real estate investment trust, focuses on investing in, originating, financing, and managing a portfolio of commercial real estate (CRE) debt investments in the United States.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q1 2026 Q1 2026 2026-05-15
Reported a Q1 2026 net loss of $0.02 per share and stable distributable earnings, with strong liquidity and active portfolio management. Dividend sustainability hinges on capital deployment and asset resolutions, while multifamily market fundamentals show signs of stabilization.
Q4 2025 Q4 2025 2026-03-24
Reported a Q4 2025 net loss of $0.17 per share and $0.14 for the year, with distributable earnings at $0.00 for Q4. Closed a $664 million CLO, improved portfolio credit metrics, and maintained a $0.04 dividend. Focus remains on asset management and selective capital deployment.
Q3 2025 Q3 2025 2025-11-13
Q3 2025 saw net income of $0.01 per share and distributable earnings of $0.02 per share, with a $0.04 dividend declared. The company enhanced liquidity with a $450M JPMorgan facility, focused on asset management, and plans to redeploy capital into core multifamily lending.
Q2 2025 Q2 2025 2025-08-11
GAAP net income and distributable earnings were $0.05 per share for Q2 2025, with a $0.06 dividend declared. Portfolio leverage stood at 75%, and 13% of loans were risk rated five, reflecting ongoing credit challenges and active asset management.
Q1 2025 Q1 2025 2025-05-13
Reported a Q1 2025 GAAP net loss of $0.03 per share and distributable earnings of $0.08 per share, with stable dividends and a focus on asset management amid market volatility. Seven loans were downgraded, but liquidity and leverage remain strong.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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