Lument Finance Trust Inc Financials

LFT

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Piotroski F-Score Neutral

4/9

Lument Finance Trust Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).

Earnings Quality Cash-Backed

1.20x

For every $1 of reported earnings, Lument Finance Trust Inc generates $1.20 in operating cash flow ($27.1M OCF vs $22.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Lument Finance Trust Inc (LFT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

N/A

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$22.6M

YoY+14.9%

5Y CAGR+29.4%

10Y CAGR+21.2%

Lument Finance Trust Inc reported $22.6M in net income in fiscal year 2024. This represents an increase of 14.9% from the prior year.

EPS (Diluted)

$0.34

YoY+17.2%

Lument Finance Trust Inc earned $0.34 per diluted share (EPS) in fiscal year 2024. This represents an increase of 17.2% from the prior year.

Cash & Debt

$69.2M

YoY+35.0%

5Y CAGR+44.6%

10Y CAGR+7.9%

Lument Finance Trust Inc held $69.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.40

YoY+53.8%

5Y CAGR+5.9%

10Y CAGR-12.2%

Lument Finance Trust Inc paid $0.40 per share in dividends in fiscal year 2024. This represents an increase of 53.8% from the prior year.

Shares Outstanding

52M

YoY+0.1%

5Y CAGR+17.2%

10Y CAGR+13.5%

Lument Finance Trust Inc had 52M shares outstanding in fiscal year 2024. This represents an increase of 0.1% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

9.5%

YoY+1.3pp

5Y CAGR+3.8pp

10Y CAGR+8.0pp

Lument Finance Trust Inc's ROE was 9.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

LFT Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$4.4M+21.5%	$3.6M+4.4%	$3.5M+20.4%	$2.9M-18.2%	$3.5M-18.8%	$4.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$41.4M+20.2%	$34.4M+44.1%	$23.9M+15.5%	$20.7M+12.2%	$18.4M+19.6%	$15.4M
Income Tax	$19K+228.6%	$6K-48.4%	$11K-85.8%	$78K+116.4%	-$476K-994.2%	-$44K
Net Income	$22.6M+14.9%	$19.7M+99.9%	$9.9M-6.3%	$10.5M+24.6%	$8.4M+35.2%	$6.2M
EPS (Diluted)	$0.34+17.2%	$0.29+163.6%	$0.11-63.3%	$0.30-11.8%	$0.34	N/A

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.1M-1.4%	$1.2M	N/A	$861K	N/A	$852K	N/A	$936K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.1M-46.7%	$9.5M	N/A	$9.5M	N/A	$5.5M	N/A	$4.7M
Income Tax	-$3K-183.2%	$3K	N/A	$20K	N/A	-$98K	N/A	$8K
Net Income	$1.8M-70.6%	$6.3M	N/A	$6.4M	N/A	$1.5M	N/A	$2.4M
EPS (Diluted)	$0.01-90.0%	$0.10	N/A	$0.10	N/A	$0.01	N/A	$0.05

LFT Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.1B-22.0%	$1.4B+28.3%	$1.1B+7.5%	$1.0B+68.8%	$621.5M-5.5%	$657.9M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$69.2M+35.0%	$51.2M+16.8%	$43.9M+197.4%	$14.7M+29.7%	$11.4M+4.0%	$10.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$890.7M-26.2%	$1.2B+36.3%	$885.0M+0.6%	$879.5M+73.2%	$507.8M-7.6%	$549.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$237.8M-1.2%	$240.7M-0.9%	$242.9M+43.5%	$169.3M+49.0%	$113.6M+4.7%	$108.5M
Retained Earnings	$70.0M+47.8%	$47.4M+51.6%	$31.3M+46.1%	$21.4M+96.9%	$10.9M+350.6%	$2.4M

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Total Assets	$955.7M-15.3%	$1.1B-22.0%	$1.4B+0.2%	$1.4B+28.0%	$1.1B-0.1%	$1.1B+7.6%	$1.0B-0.1%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$56.0M-19.0%	$69.2M+35.0%	$51.2M+18.1%	$43.4M-1.0%	$43.9M-9.5%	$48.5M+228.7%	$14.7M-66.5%	$44.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$725.6M-18.5%	$890.7M-26.2%	$1.2B+0.3%	$1.2B+35.9%	$885.0M+0.2%	$883.4M+0.4%	$879.5M-0.1%	$880.9M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$230.0M-3.3%	$237.8M-1.2%	$240.7M+0.1%	$240.5M-1.0%	$242.9M-0.9%	$245.2M+44.8%	$169.3M+0.1%	$169.1M
Retained Earnings	$75.0M+7.2%	$70.0M+47.8%	$47.4M+11.8%	$42.4M+35.5%	$31.3M+7.1%	$29.2M+36.5%	$21.4M+20.7%	$17.7M

LFT Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$27.1M+9.7%	$24.7M+51.9%	$16.3M+17.6%	$13.8M+13.3%	$12.2M+67.8%	$7.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$334.1M+205.5%	-$316.7M-511.1%	-$51.8M+89.1%	-$477.3M-642.9%	$87.9M+307.8%	-$42.3M
Financing Cash Flow	-$341.2M-215.2%	$296.1M+358.2%	$64.6M-84.3%	$412.3M+981.6%	-$46.8M-471.3%	-$8.2M
Dividends Paid	$15.7M+20.1%	$13.1M+12.1%	$11.6M+16.7%	$10.0M+30.6%	$7.6M+15.2%	$6.6M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Operating Cash Flow	$1.1M-81.9%	$6.3M-31.4%	$9.2M+70.0%	$5.4M+19.2%	$4.6M+32.3%	$3.4M+79.1%	$1.9M-60.5%	$4.9M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$39.6M-70.1%	$132.5M+5323.5%	-$2.5M+99.3%	-$365.1M-1134.8%	-$29.6M-202.4%	$28.9M+116.8%	-$172.3M-7.1%	-$160.9M
Financing Cash Flow	-$44.7M+66.3%	-$132.3M-2654.3%	-$4.8M-101.6%	$309.6M+7261.8%	-$4.3M-0.2%	-$4.3M-25.0%	-$3.5M-201.8%	$3.4M
Dividends Paid	$3.3M-21.6%	$4.2M+14.4%	$3.7M-24.5%	$4.8M+54.5%	$3.1M-27.4%	$4.3M+92.4%	$2.2M-34.8%	$3.4M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

LFT Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	9.5%+1.3pp	8.2%+4.1pp	4.1%-2.2pp	6.2%-1.2pp	7.4%+1.7pp	5.8%
Return on Assets	2.0%+0.7pp	1.4%+0.5pp	0.9%-0.1pp	1.0%-0.4pp	1.4%+0.4pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.75-1.3	5.01+1.4	3.64-1.6	5.20+0.7	4.47-0.6	5.06
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	0.8%-1.8pp	2.6%	N/A	2.6%	N/A	0.6%	N/A	1.4%
Return on Assets	0.2%-0.3pp	0.5%	N/A	0.4%	N/A	0.1%	N/A	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.16-0.6	3.75-1.3	5.010.0	5.00+1.4	3.64+0.0	3.60-1.6	5.20-0.0	5.21
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

Is Lument Finance Trust Inc profitable?

Yes, Lument Finance Trust Inc (LFT) reported a net income of $22.6M in fiscal year 2024.

What is Lument Finance Trust Inc's earnings per share (EPS)?

Lument Finance Trust Inc (LFT) reported diluted earnings per share of $0.34 for fiscal year 2024. This represents a 17.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Does Lument Finance Trust Inc pay dividends?

Yes, Lument Finance Trust Inc (LFT) paid $0.40 per share in dividends during fiscal year 2024.

What is Lument Finance Trust Inc's return on equity (ROE)?

Lument Finance Trust Inc (LFT) has a return on equity of 9.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Lument Finance Trust Inc's operating cash flow?

Lument Finance Trust Inc (LFT) generated $27.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Lument Finance Trust Inc's total assets?

Lument Finance Trust Inc (LFT) had $1.1B in total assets as of fiscal year 2024, including both current and long-term assets.

How many shares does Lument Finance Trust Inc have outstanding?

Lument Finance Trust Inc (LFT) had 52M shares outstanding as of fiscal year 2024.

What is Lument Finance Trust Inc's debt-to-equity ratio?

Lument Finance Trust Inc (LFT) had a debt-to-equity ratio of 3.75 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Lument Finance Trust Inc's return on assets (ROA)?

Lument Finance Trust Inc (LFT) had a return on assets of 2.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Lument Finance Trust Inc's Piotroski F-Score?

Lument Finance Trust Inc (LFT) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Lument Finance Trust Inc's earnings high quality?

Lument Finance Trust Inc (LFT) has an earnings quality ratio of 1.20x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.