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

Lument Finance Trust Inc (LFT) reported diluted earnings per share of $-0.14 for fiscal year 2025. This represents a -141.2% 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.

Lument Finance Trust Inc Financials

LFT

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Lument Finance Trust Inc (LFT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 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).

Rhea AI LFT FY2025 2026-05-15

Balance-sheet leverage, not conventional sales growth, is the core earnings engine here, and FY2025 exposed thinner cash coverage.

In FY2025, cash reserves fell from $69.2M to $23.1M, showing that positive operating inflow did not translate into balance-sheet flexibility. The sharper clue is that dividends of $18.3M exceeded operating cash flow of $10.1M, breaking the FY2021-FY2024 pattern in which payouts were funded by current-year cash generation.

This is a balance-sheet-heavy model: FY2025 ended with $996.9M of liabilities against only $219.0M of equity, so modest changes in asset performance can move common-equity results materially. Even after the cleaner FY2024 posture, debt-to-equity moved back up from 3.7x to 4.6x, which means the capital structure became less forgiving just as profitability weakened.

Earnings quality also softened: interest expense dropped from $41.4M to $25.1M, yet that relief did not preserve profitability. Net income swung from a $22.6M profit to a -$2.7M loss, implying the pressure came from asset-level results or other operating items rather than funding cost alone.

Financial Health Signals

Financial Profile 5/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Lument Finance Trust Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Leverage

Lument Finance Trust Inc has elevated debt relative to equity (D/E of 4.55), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 9/100, reflecting increased financial risk.

Returns

Lument Finance Trust Inc generates a -1.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 20/100. This is down from 9.5% the prior year.

Piotroski F-Score Weak

2/9

Lument Finance Trust Inc passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).

Earnings Quality Mixed

-3.68x

For every $1 of reported earnings, Lument Finance Trust Inc generates $-3.68 in operating cash flow ($10.1M OCF vs -$2.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

-$2.7M

YoY-112.1%

Lument Finance Trust Inc reported -$2.7M in net income in fiscal year 2025. This represents a decrease of 112.1% from the prior year.

EPS (Diluted)

$-0.14

YoY-141.2%

Lument Finance Trust Inc earned $-0.14 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 141.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$23.1M

YoY-66.6%

5Y CAGR+15.2%

10Y CAGR-1.2%

Lument Finance Trust Inc held $23.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.22

YoY-45.0%

5Y CAGR-9.9%

10Y CAGR-16.6%

Lument Finance Trust Inc paid $0.22 per share in dividends in fiscal year 2025. This represents a decrease of 45.0% from the prior year.

Shares Outstanding

52M

YoY+0.2%

5Y CAGR+16.0%

10Y CAGR+13.6%

Lument Finance Trust Inc had 52M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

-1.3%

YoY-10.8pp

5Y CAGR-8.7pp

10Y CAGR-1.5pp

Lument Finance Trust Inc's ROE was -1.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 10.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

LFT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	$3.9M-10.2%	$4.4M+21.5%	$3.6M+4.4%	$3.5M+20.4%	$2.9M-18.2%	$3.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$25.1M-39.3%	$41.4M+20.2%	$34.4M+44.1%	$23.9M+15.5%	$20.7M+12.2%	$18.4M
Income Tax	$8K-56.4%	$19K+228.6%	$6K-48.4%	$11K-85.8%	$78K+116.4%	-$476K
Net Income	-$2.7M-112.1%	$22.6M+14.9%	$19.7M+99.9%	$9.9M-6.3%	$10.5M+24.6%	$8.4M
EPS (Diluted)	$-0.14-141.2%	$0.34+17.2%	$0.29+163.6%	$0.11-63.3%	$0.30-11.8%	$0.34

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	N/A	$1.1M+13.7%	$1.0M+9.0%	$924K	N/A	$1.2M+2.6%	$1.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.7M	N/A	$5.1M-27.4%	$7.0M-10.0%	$7.7M	N/A	$9.5M-0.4%	$9.5M
Income Tax	-$5K	N/A	-$3K+28.9%	-$4K-147.8%	$9K	N/A	$3K+438.7%	-$1K
Net Income	$207K	N/A	$1.8M-50.0%	$3.7M+806.3%	-$523K	N/A	$6.3M+36.6%	$4.6M
EPS (Diluted)	$-0.02	N/A	$0.01-80.0%	$0.05+266.7%	$-0.03	N/A	$0.10+42.9%	$0.07

LFT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.2B+7.7%	$1.1B-22.0%	$1.4B+28.3%	$1.1B+7.5%	$1.0B+68.8%	$621.5M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$23.1M-66.6%	$69.2M+35.0%	$51.2M+16.8%	$43.9M+197.4%	$14.7M+29.7%	$11.4M
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	$996.9M+11.9%	$890.7M-26.2%	$1.2B+36.3%	$885.0M+0.6%	$879.5M+73.2%	$507.8M
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	$219.0M-7.9%	$237.8M-1.2%	$240.7M-0.9%	$242.9M+43.5%	$169.3M+49.0%	$113.6M
Retained Earnings	$67.3M-3.9%	$70.0M+47.8%	$47.4M+51.6%	$31.3M+46.1%	$21.4M+96.9%	$10.9M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.2B-0.9%	$1.2B+27.2%	$955.7M-4.3%	$998.4M-5.9%	$1.1B-5.9%	$1.1B-10.1%	$1.3B-3.2%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$21.2M-8.1%	$23.1M-58.7%	$56.0M-5.7%	$59.4M-6.5%	$63.5M-8.2%	$69.2M+51.7%	$45.6M-30.0%	$65.1M
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	$988.8M-0.8%	$996.9M+37.4%	$725.6M-5.4%	$766.9M-7.5%	$829.5M-6.9%	$890.7M-12.1%	$1.0B-4.0%	$1.1B
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	$216.0M-1.4%	$219.0M-4.8%	$230.0M-0.6%	$231.4M-0.3%	$231.9M-2.5%	$237.8M-2.2%	$243.0M+0.4%	$242.1M
Retained Earnings	$67.5M+0.3%	$67.3M-10.3%	$75.0M+2.5%	$73.2M+5.3%	$69.5M-0.7%	$70.0M+7.3%	$65.2M+10.7%	$59.0M

LFT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$10.1M-62.8%	$27.1M+9.7%	$24.7M+51.9%	$16.3M+17.6%	$13.8M+13.3%	$12.2M
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	-$142.9M-142.8%	$334.1M+205.5%	-$316.7M-511.1%	-$51.8M+89.1%	-$477.3M-642.9%	$87.9M
Financing Cash Flow	$87.9M+125.8%	-$341.2M-215.2%	$296.1M+358.2%	$64.6M-84.3%	$412.3M+981.6%	-$46.8M
Dividends Paid	$18.3M+16.8%	$15.7M+20.1%	$13.1M+12.1%	$11.6M+16.7%	$10.0M+30.6%	$7.6M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$3.6M+185.6%	$1.3M+9.4%	$1.1M-68.4%	$3.6M-11.8%	$4.1M-35.3%	$6.3M+1.6%	$6.2M+13.4%	$5.5M
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	$15.2M+105.1%	-$298.5M-853.4%	$39.6M-34.7%	$60.7M+9.7%	$55.3M-58.3%	$132.5M+237.0%	$39.3M-52.2%	$82.2M
Financing Cash Flow	-$14.8M-105.5%	$267.0M+697.8%	-$44.7M+34.4%	-$68.1M-2.4%	-$66.4M+49.8%	-$132.3M-181.2%	-$47.1M+45.1%	-$85.7M
Dividends Paid	$2.1M+0.1%	$2.1M-36.1%	$3.3M-24.2%	$4.3M-51.4%	$8.9M+112.6%	$4.2M-22.1%	$5.4M0.0%	$5.4M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

LFT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	-1.3%-10.8pp	9.5%+1.3pp	8.2%+4.1pp	4.1%-2.2pp	6.2%-1.2pp	7.4%
Return on Assets	-0.2%-2.2pp	2.0%+0.7pp	1.4%+0.5pp	0.9%-0.1pp	1.0%-0.4pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.55+0.8	3.75-1.3	5.01+1.4	3.64-1.6	5.20+0.7	4.47
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	0.1%	N/A	0.8%-0.8pp	1.6%+1.8pp	-0.2%	N/A	2.6%+0.7pp	1.9%
Return on Assets	0.0%	N/A	0.2%-0.2pp	0.4%+0.4pp	-0.1%	N/A	0.5%+0.1pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.58+0.0	4.55+1.4	3.16-0.2	3.31-0.3	3.58-0.2	3.75-0.4	4.17-0.2	4.36
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?

No, Lument Finance Trust Inc (LFT) reported a net income of -$2.7M in fiscal year 2025.

Does Lument Finance Trust Inc pay dividends?

Yes, Lument Finance Trust Inc (LFT) paid $0.22 per share in dividends during fiscal year 2025.

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

Lument Finance Trust Inc (LFT) has a return on equity of -1.3% for fiscal year 2025, 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 $10.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Lument Finance Trust Inc's total assets?

Lument Finance Trust Inc (LFT) had $1.2B in total assets as of fiscal year 2025, 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 2025.

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

Lument Finance Trust Inc (LFT) had a debt-to-equity ratio of 4.55 as of fiscal year 2025, 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 -0.2% for fiscal year 2025, 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 2 out of 9, indicating weak 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 to 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 -3.68x, considered mixed 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.

How financially healthy is Lument Finance Trust Inc?

Lument Finance Trust Inc (LFT) scores 5 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.