Lument Finance Trust Inc (LFT) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Lument Finance Trust Inc $2.42, price $5.27, upside -54.1%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $5.27 – $23.70 · fair‑value band $2.42 – $9.68 · the $5.27 price screens above the $2.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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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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. It primarily invests in transitional floating rate CRE mortgage loans on middle market multi-family assets and other CRE-related investments, including mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed rate loans, construction loans, and other CRE debt instruments. The company is qualified as a real estate investment trust under the Internal Revenue Code of 1986. As a REIT, it would not be subject to federal income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as Hunt Companies Finance Trust, Inc. and changed its name to Lument Finance Trust, Inc. in December 2020. Lument Finance Trust, Inc. was incorporated in 2012 and is headquartered in New York, New York.
Stock analysis
Lument Finance Trust Inc (LFT) currently trades at $5.27, while our model-based Fair Value estimate is $2.42, implying the stock looks roughly 117.8% overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $4.86 per share, and 0 of the 5 models we run sit above the $5.27 price.
Bear case: the DCF Models group reads lowest at $2.54, and 5 of the 5 models stay below the price. Evidence for this calculation is medium.
Scenario range: $2.42 (bear) to $9.68 (bull), the price of $5.27 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Lument Finance Trust Inc reported revenue of $79.2M in FY2025 versus $21.1M in FY2021, a compound +39.2%/yr. Reported net income was −$2.7M in FY2025.
Key figures
Market cap $52.4M · P/S ratio 3.43 · EPS (TTM) $−0.1300 · Net margin −3.5% · Return on equity −0.9% · Return on assets (EBIT) 4.0% · Operating margin 22.3% · Revenue growth (YoY) +209%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).
What moves the price
The share trades about 72% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 54% fair-value upside, at −54%, LFT screens richer than that median.
Fair Value models
Bear $2.42Fair Value $2.42Bull $9.68
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.59/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+127.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+58.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.8%
Start year 2020 (pandemic). Over 10 years: +15.8% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.6%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
41.7% (2020) → 65.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+51.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +47.8% a year for the price.
News mood ⓘNews mood, the average tone of recent news (24 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Compare Lument Finance Trust Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 39 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score44 · Below median
Fair Value upside−54% · Bottom 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)−13% · Bottom 25%
Operating margin (TTM)22% · Above median
Growth and dividend
Revenue growth209% · Top 25%
Dividend yield (TTM)17.5% · Above median
Balance sheet
Debt / equity3.71× · Highest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 100
FUTURE (revenue growth)100· sector 9
PAST (return on equity)0· sector 25
HEALTH (low debt)0· sector 0
DIVIDEND (yield)100· sector 100
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Lument Finance Trust Inc (LFT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $2.42 versus a price of $5.27, about −54% upside (overvalued).
What is the fair value of LFT?
Our model-based fair value for Lument Finance Trust Inc is $2.42 (as of Sep 23, 2026), built from audited fundamentals. The current price: $5.27.
What is the quality score of LFT?
Lument Finance Trust Inc has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Lument Finance Trust Inc (LFT)?
Our model-based price target is the fair value of $2.42 (as of Sep 23, 2026) from 7 valuation models. Cautious scenario $2.42, optimistic scenario $9.68. It is a calculation from audited fundamentals, not an analyst target.
What is the Lument Finance Trust Inc stock forecast for 2026?
Our models put fair value at $2.42, about −54% upside versus a price of $5.27 (overvalued). Cautious scenario $2.42, optimistic scenario $9.68. The calculation is refreshed regularly with new filings.
What growth is priced into Lument Finance Trust Inc (LFT)?
For today's price to be fair in a discounted-cash-flow model, Lument Finance Trust Inc would have to grow free cash flow by +51.4 % per year for five years (discount rate 11.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +32.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of LFT use?
Our models discount Lument Finance Trust Inc at 11.4 %: a base by market capitalisation (micro), damped by beta 0.59, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Lument Finance Trust Inc that is +51.4 % per year a year over ten years, using the same discount rate (11.4 %) and the same formula as our fair value.
How much growth has Lument Finance Trust Inc (LFT) delivered so far?
Over the past 5 years revenue at Lument Finance Trust Inc grew +32.8 % a year. The price currently implies +51.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Lument Finance Trust Inc (LFT) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Lument Finance Trust Inc (+51.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Lument Finance Trust Inc (LFT)?
The free-cash-flow yield on the price is 3.11 %: that much free cash flow Lument Finance Trust Inc produces per unit of market value. When it exceeds the discount rate of our models (11.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Lument Finance Trust Inc (LFT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lument Finance Trust Inc it is $2.42 per share (as of Sep 23, 2026), against a price of $5.27. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Lument Finance Trust Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LFT trades above its calculated fair value: price $5.27, fair value $2.42, a gap of about −54% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LFT?
No. The price is what the market pays today ($5.27); the fair value is what the company's own numbers justify ($2.42). For Lument Finance Trust Inc the two are $2.85 per share apart. That gap is exactly why we show both numbers side by side.
How much is Lument Finance Trust Inc worth?
The market values Lument Finance Trust Inc at about $52.4M (market capitalisation, as of Sep 23, 2026). Per share that is $5.27; our models calculate a fair value of $2.42 per share.
What do the bullish and bearish scenarios say about LFT?
Our models span a range for Lument Finance Trust Inc: cautious scenario $2.42, base $2.42, optimistic $9.68 per share (as of Sep 23, 2026, price $5.27). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Lument Finance Trust Inc (LFT)?
Balance-sheet figures for Lument Finance Trust Inc (as of Sep 23, 2026): return on equity −0.9%, debt of 3.71 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is LFT from its 52-week high?
Lument Finance Trust Inc trades at $5.27, about 72% below its 52-week high of $18.79 and at the low of $5.27 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $2.42 is for.
Which stocks are comparable to Lument Finance Trust Inc?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Starwood Property Trust, Inc, Rithm Capital Corp, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Lument Finance Trust Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $5.27, calculated fair value $2.42 (−54%), Quality Score 43/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LFT calculated?
We run Lument Finance Trust Inc through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $2.42, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Lument Finance Trust Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Lument Finance Trust Inc (LFT)?
The closing price on Sep 23, 2026 was $5.27. Our model-based fair value is $2.42, about −54% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lument Finance Trust Inc right now?
Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide ($2.42 to $9.68). The outcome hinges heavily on assumptions, so read the point estimate with caution. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Lument Finance Trust Inc
How large is the market capitalisation of Lument Finance Trust Inc (LFT)?
The market capitalisation of Lument Finance Trust Inc is $52.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Lument Finance Trust Inc (LFT)?
The price-to-sales ratio of Lument Finance Trust Inc is 3.43 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lument Finance Trust Inc (LFT)?
Earnings per share at Lument Finance Trust Inc are $−0.1300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Lument Finance Trust Inc (LFT)?
The net margin of Lument Finance Trust Inc is −3.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Lument Finance Trust Inc (LFT)?
The return on equity (ROE) of Lument Finance Trust Inc is −0.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Lument Finance Trust Inc (LFT)?
On an EBIT basis the return on assets of Lument Finance Trust Inc is 4.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Lument Finance Trust Inc (LFT)?
The operating margin of Lument Finance Trust Inc is 22.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lument Finance Trust Inc (LFT)?
Revenue at Lument Finance Trust Inc is growing +209% versus a year earlier (3y avg +58.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Lument Finance Trust Inc (LFT)?
Earnings per share at Lument Finance Trust Inc are growing −87.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Lument Finance Trust Inc (LFT) carry?
The net debt of Lument Finance Trust Inc is $965M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 23, 2026