Lument Finance Trust Inc (LFT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Lument Finance Trust Inc stock (LFT) is currently trading at $1.24. Lument Finance Trust Inc PE ratio is 13.80. Lument Finance Trust Inc PS ratio (Price-to-Sales) is 3.33. Analyst consensus price target for LFT is $2.75. WallStSmart rates LFT as Underperform.
- LFT PE ratio analysis and historical PE chart
- LFT PS ratio (Price-to-Sales) history and trend
- LFT intrinsic value — DCF, Graham Number, EPV models
- LFT stock price prediction 2025 2026 2027 2028 2029 2030
- LFT fair value vs current price
- LFT insider transactions and insider buying
- Is LFT undervalued or overvalued?
- Lument Finance Trust Inc financial analysis — revenue, earnings, cash flow
- LFT Piotroski F-Score and Altman Z-Score
- LFT analyst price target and Smart Rating
Lument Finance Trust Inc
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LFT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Lument Finance Trust Inc (LFT)
LFT trades 93% above its Graham fair value of $0.68, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Lument Finance Trust Inc (LFT) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Lument Finance Trust Inc (LFT) Key Strengths (4)
Keeps $40 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $45 of every $100 in revenue as net profit
51.00% held by institutions, strong professional interest
Supporting Valuation Data
Lument Finance Trust Inc (LFT) Areas to Watch (5)
Revenue declining -44.40%, a shrinking business
Earnings declining -87.10%, profits shrinking
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Revenue is fairly priced at 3.33x sales
Supporting Valuation Data
Lument Finance Trust Inc (LFT) Detailed Analysis Report
Overall Assessment
This company scores 49/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 2.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.40) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 39.60%, Profit Margin at 45.20%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including Price/Sales (3.33) suggest expensive pricing. Growth concerns include Revenue Growth at -44.40%, EPS Growth at -87.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.14%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.14% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -44.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Revenue Growth and EPS Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LFT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LFT's Price-to-Sales ratio of 3.33x sits near its historical average of 3.3x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 3.45x set in Mar 2026, and 8% above its historical low of 3.09x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Lument Finance Trust Inc (LFT) · REAL ESTATE › REIT - MORTGAGE
The Big Picture
Lument Finance Trust Inc faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 22M with 44% decline year-over-year. Profit margins are strong at 45.2%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 414.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 45.2% and operating margin of 39.6% demonstrate strong pricing power and operational efficiency.
Revenue contracted 44% YoY. Worth determining whether this is cyclical or structural.
Debt-to-equity ratio of 3.12 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Debt management: total debt of 717M is significantly higher than cash (56M). Monitor refinancing risk.
Sector dynamics: monitor REIT - MORTGAGE industry trends, competitive moves, and regulatory changes that could impact Lument Finance Trust Inc.
Bottom Line
Lument Finance Trust Inc faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Lument Finance Trust Inc(LFT)
NYSE
REAL ESTATE
REIT - MORTGAGE
USA
Lument Finance Trust, Inc., a real estate investment trust, focuses on investing, financing and managing a portfolio of commercial real estate debt investments in the United States. The company is headquartered in New York, New York.