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Lument Finance Trust (LFT) Financials

Lument Finance Trust logo
$0.86 -0.01 (-1.25%)
As of 02:16 PM Eastern
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Annual Income Statements for Lument Finance Trust

Annual Income Statements for Lument Finance Trust

This table shows Lument Finance Trust's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -3.07 -14 1.18 -9.00 2.66 8.43 7.41 5.12 15 18 -7.49
Consolidated Net Income / (Loss)		 0.45 -10 4.71 -5.47 6.25 8.45 11 9.86 20 23 -2.75
Net Income / (Loss) Continuing Operations		 0.45 -8.57 4.86 0.55 9.01 12 11 9.86 20 23 -2.75
Total Pre-Tax Income 		0.45 -8.57 4.86 2.08 8.97 11 11 9.87 20 23 -2.74
Total Revenue		 21 6.20 18 6.03 18 20 19 24 34 41 25
Net Interest Income / (Expense)		 31 24 20 17 15 18 21 24 34 41 25
Total Interest Income		 113 93 89 46 39 34 36 57 109 122 75
Loans and Leases Interest Income		 0.77 0.43 0.07 12 39 34 36 57 107 119 77
Deposits and Money Market Investments Interest Income		 0.02 0.04 0.16 0.13 0.01 0.05 0.03 0.07 2.37 2.73 2.35
Other Interest Income		 - - - - - - - - - - -4.00
Total Interest Expense		 82 70 69 29 21 12 16 33 75 81 50
Long-Term Debt Interest Expense		 75 63 56 21 21 12 12 29 71 77 48
Federal Funds Purchased and Securities Sold Interest Expense		 6.47 6.48 13 7.64 0.00 0.00 3.33 3.75 3.76 3.77 2.27
Total Non-Interest Income		 -10 -17 -2.42 -11 -0.44 -1.07 -1.63 0.59 0.11 0.09 -0.47
Other Service Charges		 0.30 0.96 0.97 1.10 0.87 0.71 0.40 0.35 0.21 0.14 0.18
Net Realized & Unrealized Capital Gains on Investments		 -10 -18 -3.39 -12 -1.31 -1.78 -2.03 0.24 -0.10 -0.04 -0.64
Provision for Credit Losses		 - - - - - - 0.00 4.26 2.52 5.28 14
Total Non-Interest Expense		 17 15 13 9.98 8.76 9.39 8.44 10 12 14 13
Salaries and Employee Benefits		 0.26 0.20 0.21 0.25 0.19 0.21 0.20 0.24 0.24 0.45 0.45
Other Operating Expenses		 17 15 13 9.72 8.57 9.18 8.24 10 12 13 13
Income Tax Expense		 - - 0.00 1.52 -0.04 -0.48 0.08 0.01 0.01 0.02 0.01
Preferred Stock Dividends Declared		 3.52 3.52 3.52 3.53 3.58 0.02 3.11 4.74 4.74 4.74 4.74
Basic Earnings per Share		 ($0.21) ($0.95) $0.06 ($0.38) $0.11 $0.34 $0.30 $0.11 $0.29 $0.34 ($0.14)
Weighted Average Basic Shares Outstanding		 14.72M 14.64M 20.05M 23.61M 23.69M 24.93M 24.95M 52.23M 52.25M 52.27M 52.34M
Diluted Earnings per Share		 ($0.21) ($0.95) $0.06 ($0.38) $0.11 $0.34 $0.30 $0.11 $0.29 $0.34 ($0.14)
Weighted Average Diluted Shares Outstanding		 14.72M 14.64M 20.05M 23.61M 23.69M 24.93M 24.95M 48.34M 52.23M 52.27M 52.34M
Weighted Average Basic & Diluted Shares Outstanding		 14.72M 14.64M 20.05M 23.61M 23.69M 24.93M 24.95M 52.23M 52.25M 52.31M 52.40M
Cash Dividends to Common per Share		 $1.35 $2.04 $0.60 $0.28 $0.30 $0.37 $0.36 $0.24 $0.26 $0.40 $0.22

Quarterly Income Statements for Lument Finance Trust

This table shows Lument Finance Trust's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 5.17 3.83 5.80 3.41 5.10 3.60 -1.71 2.51 0.66 -8.94 -0.98
Consolidated Net Income / (Loss)		 6.36 5.01 6.98 4.60 6.28 4.79 -0.52 3.69 1.84 -7.76 0.21
Net Income / (Loss) Continuing Operations		 6.36 5.01 6.98 4.60 6.28 4.79 -0.52 3.69 1.84 -7.76 0.21
Total Pre-Tax Income 		6.38 5.01 6.99 4.60 6.28 4.80 -0.51 3.69 1.84 -7.75 0.20
Total Revenue		 9.62 8.90 13 9.53 9.50 11 7.78 6.94 4.89 5.05 5.30
Net Interest Income / (Expense)		 9.54 9.09 13 9.52 9.48 9.36 7.73 6.96 5.05 5.37 5.70
Total Interest Income		 32 32 35 31 30 26 22 21 18 14 20
Loans and Leases Interest Income		 31 32 35 30 29 26 22 20 18 17 21
Deposits and Money Market Investments Interest Income		 0.79 0.49 0.65 0.80 0.74 0.53 0.62 0.60 0.59 0.53 0.17
Other Interest Income		 - - - - - - - - - - -1.14
Total Interest Expense		 22 23 22 21 20 17 15 14 13 8.45 14
Long-Term Debt Interest Expense		 21 22 22 20 19 16 14 13 12 9.12 10
Federal Funds Purchased and Securities Sold Interest Expense		 0.95 0.95 0.94 0.94 0.95 0.95 0.94 0.97 1.02 -0.67 3.86
Total Non-Interest Income		 0.07 -0.19 0.04 0.01 0.01 1.81 0.04 -0.02 -0.16 -0.32 -0.40
Other Service Charges		 0.07 0.04 0.04 0.02 0.06 0.02 0.06 0.01 0.05 0.05 0.05
Net Realized & Unrealized Capital Gains on Investments		 0.00 -0.24 0.00 -0.01 -0.05 1.79 -0.02 -0.04 -0.21 -0.37 -0.45
Total Non-Interest Expense		 2.45 2.71 4.27 3.53 2.90 2.81 2.59 3.16 3.08 4.17 5.10
Salaries and Employee Benefits		 0.06 0.06 0.06 0.16 0.11 0.11 0.11 0.11 0.11 0.11 0.11
Other Operating Expenses		 2.39 2.65 4.21 3.37 2.79 2.70 2.48 3.04 2.97 4.06 3.64
Impairment Charge		 - - - - - - 0.00 - - - 1.35
Income Tax Expense		 0.02 -0.00 0.01 -0.00 0.00 0.01 0.01 -0.00 -0.00 0.01 -0.00
Preferred Stock Dividends Declared		 1.19 1.18 1.18 1.19 1.19 1.18 1.18 1.19 1.19 1.18 1.18
Basic Earnings per Share		 $0.10 $0.07 $0.11 $0.07 $0.10 $0.06 ($0.03) $0.05 $0.01 ($0.17) ($0.02)
Weighted Average Basic Shares Outstanding		 52.23M 52.25M 52.26M 52.28M 52.29M 52.31M 52.32M 52.34M 52.36M 52.34M 52.44M
Diluted Earnings per Share		 $0.10 $0.07 $0.11 $0.07 $0.10 $0.06 ($0.03) $0.05 $0.01 ($0.17) ($0.02)
Weighted Average Diluted Shares Outstanding		 52.23M 52.23M 52.25M 52.27M 52.28M 52.27M 52.31M 52.33M 52.35M 52.34M 52.40M
Weighted Average Basic & Diluted Shares Outstanding		 52.23M 52.25M 52.26M 52.28M 52.29M 52.31M 52.32M 52.34M 52.36M 52.40M 52.44M
Cash Dividends to Common per Share		 $0.07 $0.07 $0.07 $0.08 $0.08 $0.17 $0.08 $0.06 $0.04 $0.04 $0.04

Annual Cash Flow Statements for Lument Finance Trust

This table details how cash moves in and out of Lument Finance Trust's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -9.36 3.57 7.73 14 -43 53 -51 29 4.15 20 -45
Net Cash From Operating Activities		 2.06 2.34 4.24 12 7.28 12 14 16 25 27 10
Net Cash From Continuing Operating Activities		 2.06 2.34 4.24 12 7.28 12 14 16 25 27 10
Net Income / (Loss) Continuing Operations		 0.45 -10 4.71 -5.47 6.25 8.45 11 9.86 20 23 -2.75
Consolidated Net Income / (Loss)		 0.45 -10 4.71 -5.47 6.25 8.45 11 9.86 20 23 -2.75
Provision For Loan Losses		 - - - - - - 0.00 4.26 2.52 5.26 14
Depreciation Expense		 - - - - - - - - - 0.00 0.78
Amortization Expense		 -13 -6.75 -1.48 2.46 2.10 2.13 2.59 2.69 2.93 2.41 -1.31
Non-Cash Adjustments to Reconcile Net Income		 14 18 3.40 12 1.32 1.80 2.00 -0.35 -0.96 -3.34 -1.09
Changes in Operating Assets and Liabilities, net		 0.72 1.13 -2.40 2.79 -2.39 -0.16 -1.27 -0.17 0.53 0.15 0.08
Net Cash From Investing Activities		 188 -217 -431 1,022 -42 88 -477 -52 -317 334 -143
Net Cash From Continuing Investing Activities		 188 -217 -431 1,022 -42 88 -477 -52 -317 334 -143
Purchase of Property, Leasehold Improvements and Equipment		 -502 -15 - - - - - - - 0.00 1.10
Purchase of Investment Securities		 -261 -591 -1,064 -495 -300 -58 -984 -346 -594 -58 -406
Sale and/or Maturity of Investments		 951 385 637 1,518 258 146 506 293 277 391 260
Other Investing Activities, net		 0.00 4.24 -3.12 -1.12 - - 0.00 0.76 0.00 1.49 2.42
Net Cash From Financing Activities		 -199 218 434 -1,020 -8.19 -47 412 65 296 -341 88
Net Cash From Continuing Financing Activities		 -199 218 434 -1,020 -8.19 -47 412 65 296 -341 88
Issuance of Debt		 222 16 0.00 219 40 0.00 841 0.00 318 0.00 585
Repayment of Debt		 -6,350 -7,721 -13,795 -7,252 0.00 -45 -465 - 0.00 -321 -661
Payment of Dividends		 -23 -33 -15 -8.68 -7.17 -7.65 -12 -16 -18 -20 -23
Other Financing Activities, Net		 5,952 7,940 14,224 6,014 -1.02 0.00 -8.75 -0.12 -3.81 0.00 187
Cash Interest Paid		 8.55 6.36 14 19 22 13 13 28 70 79 53

Quarterly Cash Flow Statements for Lument Finance Trust

This table details how cash moves in and out of Lument Finance Trust's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -50 1.88 13 1.95 -1.51 6.49 -7.04 -3.77 -3.90 -30 4.00
Net Cash From Operating Activities		 5.43 9.22 9.08 5.49 6.23 6.33 4.09 3.61 1.14 1.25 3.57
Net Cash From Continuing Operating Activities		 5.43 9.22 9.08 5.49 6.23 6.33 4.09 3.61 1.14 1.25 3.57
Net Income / (Loss) Continuing Operations		 6.36 5.01 6.98 4.60 6.28 4.79 -0.52 3.69 1.84 -7.76 0.21
Consolidated Net Income / (Loss)		 6.36 5.01 6.98 4.60 6.28 4.79 -0.52 3.69 1.84 -7.76 0.21
Provision For Loan Losses		 0.79 1.36 1.76 1.38 0.32 1.80 5.74 0.10 -0.03 8.58 -0.73
Depreciation Expense		 - - - - - - 0.00 0.14 0.34 0.30 0.30
Amortization Expense		 0.85 0.85 0.87 0.87 0.89 -0.23 -0.21 -0.35 -0.61 -0.14 -0.02
Non-Cash Adjustments to Reconcile Net Income		 -0.43 -0.58 -0.70 -0.66 -1.14 -0.84 -0.42 -0.61 -0.28 0.23 2.10
Changes in Operating Assets and Liabilities, net		 -2.15 2.59 0.16 -0.70 -0.12 0.81 -0.49 0.65 -0.13 0.04 1.71
Net Cash From Investing Activities		 -365 -2.54 80 82 39 133 55 61 40 -298 15
Net Cash From Continuing Investing Activities		 -365 -2.54 80 82 39 133 55 61 40 -298 15
Purchase of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 - - - -0.19
Purchase of Investment Securities		 -445 -77 - - -45 -13 0.00 -3.61 -0.86 -402 -48
Sale and/or Maturity of Investments		 80 74 80 82 85 144 55 63 38 103 63
Other Investing Activities, net		 - - 0.00 - - - 0.32 0.87 2.33 -1.10 0.93
Net Cash From Financing Activities		 310 -4.81 -76 -86 -47 -132 -66 -68 -45 267 -15
Net Cash From Continuing Financing Activities		 310 -4.81 -76 -86 -47 -132 -66 -68 -45 267 -15
Issuance of Debt		 - - - - - - 0.00 - - - 2.25
Repayment of Debt		 - - -71 -81 -42 -127 -56 -63 -40 -502 -170
Payment of Dividends		 -4.32 -4.84 -4.84 -4.85 -5.36 -5.37 -10 -5.37 -4.32 -3.28 -3.28
Other Financing Activities, Net		 - - - - - - 0.00 - - - 156
Cash Interest Paid		 20 22 22 21 19 17 14 14 13 12 15

Annual Balance Sheets for Lument Finance Trust

This table presents Lument Finance Trust's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,498 2,300 2,613 679 658 621 1,049 1,128 1,447 1,129 1,216
Cash and Due from Banks		 26 28 34 7.88 11 11 15 44 51 69 23
Restricted Cash		 8.17 10 11 51 5.07 58 3.53 3.51 0.27 2.39 3.51
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,072 1,384 1,049 1,114
Loans and Leases		 - - - - - - - 1,076 1,390 1,060 1,137
Allowance for Loan and Lease Losses		 - - - - - - - 4.26 6.06 11 23
Mortgage Servicing Rights		 4.27 3.44 2.96 4.00 2.70 0.92 0.55 0.80 0.69 0.65 0.55
Other Assets		 16 20 22 616 639 551 1,030 7.91 11 7.58 75
Total Liabilities & Shareholders' Equity		 2,498 2,300 2,613 679 658 621 1,049 1,128 1,447 1,129 1,216
Total Liabilities		 2,321 2,157 2,467 529 549 508 880 885 1,206 891 997
Short-Term Debt		 0.00 4.24 1.12 - - - - - - 0.00 192
Accrued Interest Payable		 6.57 5.47 6.19 1.23 0.81 0.43 0.70 2.36 4.09 2.70 1.87
Other Short-Term Payables		 0.88 0.92 0.79 - 2.77 4.40 5.07 4.13 4.65 9.89 3.09
Long-Term Debt		 1,745 1,339 1,224 524 545 503 874 876 1,193 876 796
Other Long-Term Liabilities		 519 807 1,235 3.53 0.37 0.34 0.15 2.19 3.96 2.25 3.83
Commitments & Contingencies		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 177 142 146 150 109 114 169 243 241 238 219
Total Preferred & Common Equity		 177 142 146 150 109 114 169 243 241 238 219
Preferred Stock		 37 37 37 37 - 0.00 57 57 57 57 57
Total Common Equity		 140 105 109 113 109 114 112 186 183 181 162
Common Stock		 189 204 224 232 228 234 234 315 315 315 315
Retained Earnings		 7.35 -3.07 1.63 -3.84 2.41 11 21 31 47 70 67
Other Equity Adjustments		 -56 -89 -105 -115 -122 -131 -143 -161 -179 -205 -221
Noncontrolling Interest		 - - 0.00 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10

Quarterly Balance Sheets for Lument Finance Trust

This table presents Lument Finance Trust's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,443 1,378 1,297 1,256 1,062 998 956 1,205
Cash and Due from Banks		 43 65 65 46 64 59 56 21
Restricted Cash		 6.23 0.00 1.46 19 1.00 1.34 0.82 9.37
Loans and Leases, Net of Allowance		 1,351 1,285 1,187 1,182 989 905 822 1,108
Loans and Leases		 1,356 1,293 1,196 1,191 1,006 920 836 1,128
Allowance for Loan and Lease Losses		 4.72 7.82 9.19 9.52 17 14 14 20
Mortgage Servicing Rights		 0.75 0.70 0.69 0.64 0.63 0.59 0.57 0.52
Other Assets		 42 27 43 8.61 7.59 32 76 66
Total Liabilities & Shareholders' Equity		 1,443 1,378 1,297 1,256 1,062 998 956 1,205
Total Liabilities		 1,203 1,135 1,055 1,013 829 767 726 989
Short-Term Debt		 - - - - - - - 349
Accrued Interest Payable		 3.83 3.85 3.36 3.15 2.49 2.18 2.02 1.77
Other Short-Term Payables		 - 4.66 5.18 5.18 5.19 4.14 - 3.10
Long-Term Debt		 1,192 1,123 1,043 1,003 820 757 717 630
Other Long-Term Liabilities		 6.43 3.57 2.98 2.01 1.98 3.15 6.20 5.22
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 241 243 242 243 232 231 230 216
Total Preferred & Common Equity		 240 243 242 243 232 231 230 216
Preferred Stock		 57 57 57 57 57 57 57 57
Total Common Equity		 183 186 185 186 175 174 173 159
Common Stock		 315 315 315 315 315 315 315 315
Retained Earnings		 42 54 59 65 70 73 75 67
Other Equity Adjustments		 -174 -184 -189 -195 -210 -214 -218 -224
Noncontrolling Interest		 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10

Annual Metrics And Ratios for Lument Finance Trust

This table displays calculated financial ratios and metrics derived from Lument Finance Trust's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 14,724,750.00 29,204,788.00 44,278,516.00 23,687,664.00 23,687,664.00 24,943,383.00 24,947,883.00 52,231,152.00 52,231,152.00 - 52,364,930.00
DEI Adjusted Shares Outstanding		 14,724,750.00 29,204,788.00 44,278,516.00 23,687,664.00 23,687,664.00 24,943,383.00 24,947,883.00 52,231,152.00 52,231,152.00 - 52,364,930.00
DEI Earnings Per Adjusted Shares Outstanding		 0.03 -0.36 0.11 -0.23 0.26 0.34 0.42 0.19 0.38 - -0.05
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 42.83% -70.77% 185.83% -65.99% 194.28% 15.60% -7.09% 28.46% 41.00% 20.15% -40.54%
EBITDA Growth		 -555.52% -67.89% 122.09% -144.15% 841.06% 19.60% -0.36% -4.74% 80.23% 10.72% -113.05%
EBIT Growth		 23.33% -309.61% 156.72% -181.28% 327.03% 23.93% -4.57% -6.89% 99.70% 14.95% -112.07%
NOPAT Growth		 -86.41% -1,431.17% 181.03% -121.69% 954.71% 28.61% -9.16% -6.30% 99.87% 14.89% -108.46%
Net Income Growth		 -86.41% -2,414.57% 145.14% -216.24% 214.21% 35.22% 24.59% -6.30% 99.87% 14.89% -112.12%
EPS Growth		 -800.00% -352.38% 106.32% -733.33% 128.95% 209.09% -11.76% -63.33% 163.64% 17.24% -141.18%
Operating Cash Flow Growth		 -90.05% 13.45% 81.03% 189.59% -40.66% 67.79% 13.32% 17.64% 51.87% 9.67% -62.78%
Free Cash Flow Firm Growth		 141.52% -56.49% -71.99% 476.85% -95.73% 66.09% -945.37% 84.04% -344.51% 216.22% -127.79%
Invested Capital Growth		 -33.95% -22.69% -7.78% -50.78% -3.06% -5.76% 69.23% 7.31% 28.14% -22.34% 8.39%
Revenue Q/Q Growth		 110.46% 142.29% -17.74% -56.49% 14.04% 7.44% -7.50% 3.59% 5.73% 5.78% -14.97%
EBITDA Q/Q Growth		 51.23% 29.18% -36.05% -128.67% 26.19% 12.11% -10.51% -22.53% -2.73% -14.31% -136.83%
EBIT Q/Q Growth		 163.27% 39.98% -42.42% -228.71% 32.41% 15.62% -14.48% -26.44% -3.99% -12.06% -127.91%
NOPAT Q/Q Growth		 109.45% 51.21% -42.42% -134.35% -29.59% 16.29% -15.58% -13.95% 17.59% -0.98% -119.55%
Net Income Q/Q Growth		 106.79% 46.30% -43.20% -278.30% 16.21% 17.30% 12.81% -13.95% 17.59% -0.98% -128.01%
EPS Q/Q Growth		 67.19% 39.10% -87.23% -1,050.00% 450.00% 17.24% 0.00% -45.00% 26.09% -2.86% -255.56%
Operating Cash Flow Q/Q Growth		 -82.23% 750.03% 48.21% -14.66% 14.64% 13.69% -10.78% 19.26% 23.29% -9.65% -33.46%
Free Cash Flow Firm Q/Q Growth		 446.50% -13.02% -22.23% -4.52% -12.50% 62.98% -4.67% -1.18% 0.08% 63.16% -130.96%
Invested Capital Q/Q Growth		 -6.37% -3.88% -2.09% -0.06% 0.00% -2.74% -0.07% -0.14% 0.08% -10.59% 27.41%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -43.02% -247.12% 19.10% -24.79% 62.43% 64.59% 69.26% 51.37% 65.65% 60.50% -13.28%
EBIT Margin		 19.27% -138.20% 27.43% -65.55% 50.57% 54.21% 55.68% 40.36% 57.16% 54.69% -11.11%
Profit (Net Income) Margin		 2.12% -168.21% 26.57% -90.81% 35.24% 41.22% 55.27% 40.32% 57.15% 54.64% -11.14%
Tax Burden Percent		 100.00% 121.71% 96.87% -263.58% 69.69% 76.04% 99.27% 99.89% 99.97% 99.92% 100.30%
Interest Burden Percent		 11.02% 100.00% 100.00% -52.56% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 73.31% -0.49% -4.29% 0.73% 0.11% 0.03% 0.08% 0.00%
Return on Invested Capital (ROIC)		 0.02% -0.35% 0.34% -0.10% 1.36% 1.82% 1.27% 0.91% 1.54% 1.78% -0.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.02% -0.64% 0.33% -0.61% 0.84% 1.23% 1.27% 0.91% 1.54% 1.78% -0.25%
Return on Net Nonoperating Assets (RNNOA)		 0.21% -6.17% 2.93% -3.59% 3.47% 5.78% 6.17% 3.87% 6.61% 7.69% -1.04%
Return on Equity (ROE)		 0.23% -6.52% 3.27% -3.70% 4.83% 7.60% 7.44% 4.78% 8.15% 9.46% -1.20%
Cash Return on Invested Capital (CROIC)		 40.91% 25.24% 8.43% 67.96% 4.46% 7.75% -50.16% -6.14% -23.12% 26.93% -8.22%
Operating Return on Assets (OROA)		 0.15% -0.36% 0.20% -0.24% 1.34% 1.74% 1.27% 0.91% 1.53% 1.76% -0.23%
Return on Assets (ROA)		 0.02% -0.43% 0.19% -0.33% 0.93% 1.32% 1.26% 0.91% 1.53% 1.76% -0.23%
Return on Common Equity (ROCE)		 0.19% -5.00% 2.42% -2.77% 4.13% 7.59% 5.93% 3.45% 6.22% 7.20% -0.90%
Return on Equity Simple (ROE_SIMPLE)		 0.25% -7.32% 3.23% -3.65% 5.76% 7.44% 6.22% 4.06% 8.19% 9.52% -1.25%
Net Operating Profit after Tax (NOPAT)		 0.45 -6.00 4.86 -1.05 9.01 12 11 9.86 20 23 -1.92
NOPAT Margin		 2.12% -96.74% 27.43% -17.50% 50.82% 56.53% 55.27% 40.32% 57.15% 54.64% -7.77%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.29% 0.01% 0.51% 0.52% 0.60% 0.00% 0.00% 0.00% 0.00% 0.09%
SG&A Expenses to Revenue		 1.21% 3.19% 1.16% 4.20% 1.09% 1.00% 1.05% 0.98% 0.70% 1.07% 1.81%
Operating Expenses to Revenue		 80.73% 238.20% 72.57% 165.55% 49.43% 45.79% 44.32% 42.23% 35.52% 32.59% 52.72%
Earnings before Interest and Taxes (EBIT)		 4.09 -8.57 4.86 -3.95 8.97 11 11 9.87 20 23 -2.74
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -9.12 -15 3.38 -1.49 11 13 13 13 23 25 -3.27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.13 0.22 0.30 0.24 0.31 0.36 0.47 0.34 0.48 0.73 0.42
Price to Tangible Book Value (P/TBV)		 0.13 0.22 0.30 0.24 0.31 0.36 0.47 0.34 0.48 0.73 0.42
Price to Revenue (P/Rev)		 0.84 3.80 1.84 4.51 1.89 1.99 2.75 2.57 2.53 3.16 2.78
Price to Earnings (P/E)		 0.00 0.00 27.48 0.00 12.57 4.83 7.07 12.29 5.83 7.31 0.00
Dividend Yield		 111.52% 123.22% 40.80% 24.42% 19.81% 0.00% 17.12% 19.91% 15.56% 15.98% 16.78%
Earnings Yield		 0.00% 0.00% 3.64% 0.00% 7.96% 20.69% 14.14% 8.14% 17.15% 13.68% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.92 0.91 0.79 0.86 0.77 0.93 0.85 0.90 0.89 0.90
Enterprise Value to Revenue (EV/Rev)		 83.24 220.45 70.49 87.89 31.74 23.13 50.67 38.80 37.29 23.94 44.12
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 369.09 0.00 50.85 35.81 73.16 75.53 56.80 39.58 0.00
Enterprise Value to EBIT (EV/EBIT)		 431.96 0.00 257.00 0.00 62.77 42.67 91.01 96.13 65.24 43.79 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 3,918.90 0.00 257.00 0.00 62.47 40.91 91.68 96.24 65.26 43.82 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 855.54 583.72 294.69 43.15 77.29 38.80 69.70 58.27 52.01 36.59 107.69
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.79 3.18 10.37 0.76 18.99 9.63 0.00 0.00 0.00 2.89 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 9.83 9.43 8.40 3.49 5.02 4.42 5.16 3.61 4.96 3.68 4.51
Long-Term Debt to Equity		 9.83 9.40 8.39 3.49 5.02 4.42 5.16 3.61 4.96 3.68 3.63
Financial Leverage		 11.38 9.65 8.91 5.91 4.13 4.71 4.86 4.24 4.28 4.32 4.08
Leverage Ratio		 13.89 15.00 17.04 11.12 5.17 5.75 5.90 5.28 5.32 5.38 5.13
Compound Leverage Factor		 1.53 15.00 17.04 -5.84 5.17 5.75 5.90 5.28 5.32 5.38 5.13
Debt to Total Capital		 90.77% 90.41% 89.36% 77.73% 83.39% 81.55% 83.76% 78.29% 83.21% 78.64% 81.85%
Short-Term Debt to Total Capital		 0.00% 0.29% 0.08% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 15.90%
Long-Term Debt to Total Capital		 90.77% 90.13% 89.28% 77.73% 83.39% 81.55% 83.76% 78.29% 83.21% 78.64% 65.95%
Preferred Equity to Total Capital		 1.93% 2.50% 2.71% 5.51% 0.00% 0.00% 5.49% 5.12% 3.99% 5.14% 4.74%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.01% 0.02% 0.02% 0.01% 0.01% 0.01% 0.01% 0.01%
Common Equity to Total Capital		 7.30% 7.09% 7.93% 16.74% 16.60% 18.43% 10.74% 16.59% 12.79% 16.21% 13.40%
Debt to EBITDA		 -191.22 -87.72 361.97 -351.05 49.26 37.96 66.22 69.73 52.69 34.93 -301.96
Net Debt to EBITDA		 -187.46 -85.24 348.48 -311.41 47.82 32.72 64.84 65.96 50.42 32.07 -293.83
Long-Term Debt to EBITDA		 -191.22 -87.44 361.64 -351.05 49.26 37.96 66.22 69.73 52.69 34.93 -243.31
Debt to NOPAT		 3,873.02 -224.07 252.04 -497.42 60.52 43.37 82.99 88.84 60.54 38.67 -515.71
Net Debt to NOPAT		 3,796.85 -217.75 242.65 -441.25 58.74 37.38 81.25 84.04 57.92 35.51 -501.82
Long-Term Debt to NOPAT		 3,873.02 -223.36 251.81 -497.42 60.52 43.37 82.99 88.84 60.54 38.67 -415.53
Noncontrolling Interest Sharing Ratio		 19.04% 23.23% 25.78% 25.14% 14.43% 0.09% 20.30% 27.82% 23.71% 23.96% 25.10%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 989 430 120 695 30 49 -416 -66 -295 343 -95
Operating Cash Flow to CapEx		 0.41% 15.85% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 12.09 6.19 1.75 23.98 1.42 4.09 -26.83 -2.02 -3.95 4.25 -1.91
Operating Cash Flow to Interest Expense		 0.03 0.03 0.06 0.42 0.35 1.01 0.89 0.50 0.33 0.34 0.20
Operating Cash Flow Less CapEx to Interest Expense		 -6.12 -0.18 0.06 0.42 0.35 1.01 0.89 0.50 0.33 0.34 0.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.01 0.00 0.01 0.00 0.03 0.03 0.02 0.02 0.03 0.03 0.02
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,922 1,486 1,371 675 654 616 1,043 1,119 1,434 1,114 1,207
Invested Capital Turnover		 0.01 0.00 0.01 0.01 0.03 0.03 0.02 0.02 0.03 0.03 0.02
Increase / (Decrease) in Invested Capital		 -988 -436 -116 -696 -21 -38 427 76 315 -320 93
Enterprise Value (EV)		 1,765 1,366 1,249 530 563 474 965 949 1,287 993 1,087
Market Capitalization		 18 24 33 27 33 41 52 63 87 131 69
Book Value per Share		 $9.53 $7.21 $4.91 $4.77 $4.58 $4.55 $4.49 $3.55 $3.51 $3.45 $3.09
Tangible Book Value per Share		 $9.53 $7.21 $4.91 $4.77 $4.58 $4.55 $4.49 $3.55 $3.51 $3.45 $3.09
Total Capital		 1,922 1,486 1,371 675 654 616 1,043 1,119 1,434 1,114 1,207
Total Debt		 1,745 1,344 1,225 524 545 503 874 876 1,193 876 988
Total Long-Term Debt		 1,745 1,339 1,224 524 545 503 874 876 1,193 876 796
Net Debt		 1,710 1,306 1,179 465 529 433 855 829 1,142 804 961
Capital Expenditures (CapEx)		 502 15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -1.10
Net Nonoperating Expense (NNE)		 0.00 4.43 0.15 4.42 2.76 3.14 0.00 0.00 0.00 0.00 0.83
Net Nonoperating Obligations (NNO)		 1,745 1,344 1,225 524 545 503 874 876 1,193 876 988
Total Depreciation and Amortization (D&A)		 -13 -6.75 -1.48 2.46 2.10 2.13 2.59 2.69 2.93 2.41 -0.54
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.21) ($0.79) $0.06 ($0.38) $0.11 $0.34 $0.30 $0.11 $0.29 $0.34 ($0.14)
Adjusted Weighted Average Basic Shares Outstanding		 14.60M 17.54M 23.68M 23.69M 24.94M 24.94M 52.23M 52.23M 52.25M 52.31M 52.34M
Adjusted Diluted Earnings per Share		 ($0.21) ($0.79) $0.06 ($0.38) $0.11 $0.34 $0.30 $0.11 $0.29 $0.34 ($0.14)
Adjusted Weighted Average Diluted Shares Outstanding		 14.60M 17.54M 23.68M 23.69M 24.94M 24.94M 52.23M 48.34M 52.23M 52.27M 52.34M
Adjusted Basic & Diluted Earnings per Share		 ($0.21) ($0.79) $0.06 ($0.38) $0.11 $0.34 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.72M 14.64M 20.05M 23.61M 23.69M 24.93M 24.95M 52.23M 52.25M 52.31M 52.40M
Normalized Net Operating Profit after Tax (NOPAT)		 2.86 -6.00 3.40 -2.76 6.28 7.78 11 9.86 20 23 -1.92
Normalized NOPAT Margin		 13.49% -96.74% 19.20% -45.89% 35.40% 37.95% 55.27% 40.32% 57.15% 54.64% -7.77%
Pre Tax Income Margin		 2.12% -138.20% 27.43% 34.45% 50.57% 54.21% 55.68% 40.36% 57.16% 54.69% -11.11%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.05 -0.12 0.07 -0.14 0.43 0.92 0.68 0.30 0.26 0.28 -0.05
NOPAT to Interest Expense		 0.01 -0.09 0.07 -0.04 0.43 0.96 0.68 0.30 0.26 0.28 -0.04
EBIT Less CapEx to Interest Expense		 -6.09 -0.34 0.07 -0.14 0.43 0.92 0.68 0.30 0.26 0.28 -0.03
NOPAT Less CapEx to Interest Expense		 -6.14 -0.30 0.07 -0.04 0.43 0.96 0.68 0.30 0.26 0.28 -0.02
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 5,193.74% -320.53% 327.73% -158.65% 114.72% 90.57% 114.88% 166.13% 90.28% 90.16% -839.74%
Augmented Payout Ratio		 5,273.43% -323.25% 327.73% -158.65% 114.72% 90.57% 114.88% 166.13% 90.28% 90.16% -839.74%

Quarterly Metrics And Ratios for Lument Finance Trust

This table displays calculated financial ratios and metrics derived from Lument Finance Trust's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 52,231,152.00 52,231,152.00 52,248,631.00 52,257,315.00 52,275,230.00 - 52,309,209.00 52,324,472.00 52,341,046.00 52,364,930.00 52,399,265.00
DEI Adjusted Shares Outstanding		 52,231,152.00 52,231,152.00 52,248,631.00 52,257,315.00 52,275,230.00 - 52,309,209.00 52,324,472.00 52,341,046.00 52,364,930.00 52,399,265.00
DEI Earnings Per Adjusted Shares Outstanding		 0.12 0.10 0.13 0.09 0.12 - -0.01 0.07 0.04 -0.15 0.00
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 72.25% 26.62% 54.66% 26.16% -1.23% 25.44% -40.34% -27.21% -48.54% -46.25% -31.84%
EBITDA Growth		 100.06% 36.71% 23.51% 71.36% -0.74% 15.43% -109.23% -36.55% -78.03% -266.45% 166.82%
EBIT Growth		 118.23% 38.04% 21.45% 78.58% -1.49% 35.01% -107.35% -19.81% -70.71% -261.63% 139.29%
NOPAT Growth		 323.90% 142.83% 21.04% 78.63% -1.24% -4.47% -105.15% -19.74% -70.65% -213.27% 157.41%
Net Income Growth		 323.90% 142.83% 21.04% 78.63% -1.24% -4.47% -107.49% -19.74% -70.65% -261.95% 139.53%
EPS Growth		 900.00% 600.00% 22.22% 133.33% 0.00% -14.29% -127.27% -28.57% -90.00% -383.33% 33.33%
Operating Cash Flow Growth		 57.67% 102.64% 55.39% 29.39% 14.81% -31.39% -54.90% -34.26% -81.65% -80.25% -12.80%
Free Cash Flow Firm Growth		 -304.54% -317.61% -2,250.14% -1,964.20% 163.33% 204.95% 230.07% 282.96% 54.87% -130.39% -145.45%
Invested Capital Growth		 27.86% 28.14% 22.21% 15.11% -13.08% -22.34% -23.00% -23.07% -23.93% 8.39% 13.58%
Revenue Q/Q Growth		 27.30% -7.47% 46.49% -26.89% -0.34% 17.52% -17.14% -10.79% -29.54% 3.21% 5.06%
EBITDA Q/Q Growth		 126.45% -2.70% 11.80% -30.43% 31.16% 13.15% -115.91% 578.31% -54.59% -581.72% 106.39%
EBIT Q/Q Growth		 147.80% -3.01% 12.99% -34.24% 36.69% 32.92% -110.72% 817.23% -50.07% -521.06% 102.61%
NOPAT Q/Q Growth		 147.05% -21.16% 39.22% -34.12% 36.58% -23.74% -107.51% 1,125.75% -50.05% -394.27% 103.81%
Net Income Q/Q Growth		 147.05% -21.16% 39.22% -34.12% 36.58% -23.74% -110.91% 806.28% -50.05% -520.75% 102.66%
EPS Q/Q Growth		 233.33% -30.00% 57.14% -36.36% 42.86% -40.00% -150.00% 266.67% -80.00% -1,800.00% 88.24%
Operating Cash Flow Q/Q Growth		 27.79% 70.02% -1.59% -39.48% 13.39% 1.60% -35.31% -11.78% -68.35% 9.37% 185.57%
Free Cash Flow Firm Q/Q Growth		 -3,574.93% -1.33% 22.14% 32.00% 218.05% 67.91% -3.50% -4.36% -0.08% -132.95% -44.32%
Invested Capital Q/Q Growth		 28.33% 0.08% -4.75% -5.91% -3.10% -10.59% -5.56% -5.98% -4.19% 27.41% -1.03%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 75.19% 79.06% 60.34% 57.41% 75.56% 72.75% -9.33% 50.05% 32.25% -150.55% 9.15%
EBIT Margin		 66.34% 69.53% 53.63% 48.24% 66.16% 74.83% -6.61% 53.14% 37.66% -153.63% 3.81%
Profit (Net Income) Margin		 66.13% 56.34% 53.55% 48.25% 66.12% 42.91% -6.72% 53.20% 37.72% -153.76% 3.90%
Tax Burden Percent		 99.69% 100.08% 99.84% 100.02% 99.94% 99.89% 101.66% 100.11% 100.16% 100.09% 102.30%
Interest Burden Percent		 100.00% 80.97% 100.00% 100.00% 100.00% 57.41% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.31% -0.08% 0.16% -0.02% 0.06% 0.11% 0.00% -0.11% -0.16% 0.00% -2.30%
Return on Invested Capital (ROIC)		 1.69% 1.52% 1.69% 1.65% 2.02% 1.40% -0.14% 1.57% 1.00% -2.28% 0.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.69% 1.52% 1.69% 1.65% 2.02% 1.40% -0.16% 1.57% 1.00% -2.53% 0.08%
Return on Net Nonoperating Assets (RNNOA)		 7.19% 6.51% 6.97% 6.59% 9.18% 6.04% -0.64% 5.98% 3.62% -10.34% 0.31%
Return on Equity (ROE)		 8.88% 8.04% 8.66% 8.24% 11.20% 7.43% -0.77% 7.55% 4.62% -12.62% 0.39%
Cash Return on Invested Capital (CROIC)		 -23.14% -23.12% -18.31% -12.13% 15.70% 26.93% 27.25% 27.33% 28.08% -8.22% -12.84%
Operating Return on Assets (OROA)		 1.68% 1.86% 1.67% 1.64% 2.01% 2.41% -0.20% 1.56% 0.99% -3.23% 0.07%
Return on Assets (ROA)		 1.68% 1.51% 1.67% 1.64% 2.01% 1.38% -0.20% 1.56% 0.99% -3.23% 0.08%
Return on Common Equity (ROCE)		 6.79% 6.13% 6.60% 6.27% 8.54% 5.65% -0.59% 5.72% 3.50% -9.45% 0.29%
Return on Equity Simple (ROE_SIMPLE)		 6.97% 0.00% 8.62% 9.48% 9.41% 0.00% 6.53% 6.15% 4.26% 0.00% -0.93%
Net Operating Profit after Tax (NOPAT)		 6.36 5.01 6.98 4.60 6.28 4.79 -0.36 3.69 1.84 -5.43 0.21
NOPAT Margin		 66.13% 56.34% 53.55% 48.25% 66.12% 42.91% -4.63% 53.20% 37.72% -107.54% 3.90%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.00% 0.00% 0.25% 0.00%
SG&A Expenses to Revenue		 0.61% 0.66% 0.45% 1.72% 1.17% 1.00% 1.43% 1.60% 2.28% 2.21% 2.10%
Operating Expenses to Revenue		 25.43% 30.47% 32.74% 37.08% 30.50% 25.17% 33.35% 45.49% 62.95% 82.60% 96.19%
Earnings before Interest and Taxes (EBIT)		 6.38 6.19 6.99 4.60 6.28 8.35 -0.51 3.69 1.84 -7.75 0.20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.23 7.04 7.87 5.47 7.18 8.12 -0.73 3.47 1.58 -7.60 0.49
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.41 0.48 0.52 0.52 0.56 0.73 0.67 0.59 0.55 0.42 0.40
Price to Tangible Book Value (P/TBV)		 0.41 0.48 0.52 0.52 0.56 0.73 0.67 0.59 0.55 0.42 0.40
Price to Revenue (P/Rev)		 2.32 2.53 2.45 2.33 2.54 3.16 3.26 3.05 3.30 2.78 2.86
Price to Earnings (P/E)		 6.29 5.83 5.93 5.25 5.73 7.31 11.32 10.79 18.88 0.00 0.00
Dividend Yield		 17.25% 15.56% 14.70% 15.86% 15.09% 15.98% 14.21% 15.32% 14.24% 16.78% 14.89%
Earnings Yield		 15.89% 17.15% 16.87% 19.06% 17.44% 13.68% 8.83% 9.27% 5.30% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.89 0.90 0.89 0.88 0.88 0.89 0.88 0.87 0.86 0.90 0.89
Enterprise Value to Revenue (EV/Rev)		 39.10 37.29 30.99 27.50 26.82 23.94 25.71 25.49 28.06 44.12 48.20
Enterprise Value to EBITDA (EV/EBITDA)		 54.80 56.80 42.60 35.78 35.39 39.58 56.44 59.13 91.55 0.00 161.15
Enterprise Value to EBIT (EV/EBIT)		 62.12 65.24 47.99 40.16 39.88 43.79 61.37 60.10 82.94 0.00 160.18
Enterprise Value to NOPAT (EV/NOPAT)		 76.10 65.26 57.91 49.21 48.04 43.82 61.43 60.16 83.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 63.58 52.01 43.32 38.65 36.59 36.59 42.02 42.27 53.60 107.69 111.63
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 5.22 2.89 2.82 2.76 2.64 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 4.96 4.96 4.62 4.31 4.12 3.68 3.53 3.27 3.12 4.51 4.53
Long-Term Debt to Equity		 4.96 4.96 4.62 4.31 4.12 3.68 3.53 3.27 3.12 3.63 2.92
Financial Leverage		 4.26 4.28 4.13 3.99 4.54 4.32 4.09 3.80 3.63 4.08 4.01
Leverage Ratio		 5.29 5.32 5.18 5.03 5.58 5.38 5.14 4.85 4.67 5.13 5.06
Compound Leverage Factor		 5.29 4.31 5.18 5.03 5.58 3.09 5.14 4.85 4.67 5.13 5.06
Debt to Total Capital		 83.21% 83.21% 82.22% 81.16% 80.48% 78.64% 77.94% 76.59% 75.72% 81.85% 81.92%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 15.90% 29.19%
Long-Term Debt to Total Capital		 83.21% 83.21% 82.22% 81.16% 80.48% 78.64% 77.94% 76.59% 75.72% 65.95% 52.73%
Preferred Equity to Total Capital		 4.00% 3.99% 4.19% 4.45% 4.60% 5.14% 5.44% 5.79% 6.04% 4.74% 4.79%
Noncontrolling Interests to Total Capital		 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
Common Equity to Total Capital		 12.79% 12.79% 13.58% 14.38% 14.92% 16.21% 16.61% 17.61% 18.23% 13.40% 13.28%
Debt to EBITDA		 51.21 52.69 39.48 33.04 32.29 34.93 49.73 52.29 80.74 -301.96 147.57
Net Debt to EBITDA		 49.08 50.42 37.21 30.94 30.20 32.07 45.82 48.10 74.34 -293.83 142.95
Long-Term Debt to EBITDA		 51.21 52.69 39.48 33.04 32.29 34.93 49.73 52.29 80.74 -243.31 94.99
Debt to NOPAT		 71.13 60.54 53.67 45.45 43.83 38.67 54.13 53.20 73.19 -515.71 -691.73
Net Debt to NOPAT		 68.17 57.92 50.58 42.55 40.98 35.51 49.87 48.93 67.40 -501.82 -670.08
Long-Term Debt to NOPAT		 71.13 60.54 53.67 45.45 43.83 38.67 54.13 53.20 73.19 -415.53 -445.24
Noncontrolling Interest Sharing Ratio		 23.61% 23.71% 23.71% 23.83% 23.71% 23.96% 24.15% 24.22% 24.24% 25.10% 25.60%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -306 -310 -241 -164 194 325 314 300 300 -99 -143
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1,867.23%
Free Cash Flow to Firm to Interest Expense		 -13.71 -13.25 -10.75 -7.77 9.60 19.11 21.54 22.05 22.66 -11.69 -10.02
Operating Cash Flow to Interest Expense		 0.24 0.39 0.40 0.26 0.31 0.37 0.28 0.27 0.09 0.15 0.25
Operating Cash Flow Less CapEx to Interest Expense		 0.24 0.39 0.40 0.26 0.31 0.37 0.28 0.27 0.09 0.15 0.24
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,433 1,434 1,366 1,285 1,246 1,114 1,052 989 948 1,207 1,195
Invested Capital Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02
Increase / (Decrease) in Invested Capital		 312 315 248 169 -187 -320 -314 -297 -298 93 143
Enterprise Value (EV)		 1,276 1,287 1,212 1,130 1,099 993 930 857 813 1,087 1,069
Market Capitalization		 76 87 96 96 104 131 118 102 96 69 63
Book Value per Share		 $3.51 $3.51 $3.55 $3.54 $3.55 $3.45 $3.34 $3.33 $3.30 $3.09 $3.03
Tangible Book Value per Share		 $3.51 $3.51 $3.55 $3.54 $3.55 $3.45 $3.34 $3.33 $3.30 $3.09 $3.03
Total Capital		 1,433 1,434 1,366 1,285 1,246 1,114 1,052 989 948 1,207 1,195
Total Debt		 1,192 1,193 1,123 1,043 1,003 876 820 757 717 988 979
Total Long-Term Debt		 1,192 1,193 1,123 1,043 1,003 876 820 757 717 796 630
Net Debt		 1,143 1,142 1,059 977 937 804 755 697 661 961 948
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.16 0.00 0.00 2.33 0.00
Net Nonoperating Obligations (NNO)		 1,192 1,193 1,123 1,043 1,003 876 820 757 717 988 979
Total Depreciation and Amortization (D&A)		 0.85 0.85 0.87 0.87 0.89 -0.23 -0.21 -0.21 -0.26 0.16 0.28
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.10 $0.07 $0.11 $0.07 $0.10 $0.06 ($0.03) $0.05 $0.01 ($0.17) ($0.02)
Adjusted Weighted Average Basic Shares Outstanding		 52.23M 52.25M 52.26M 52.28M 52.29M 52.31M 52.32M 52.34M 52.36M 52.34M 52.44M
Adjusted Diluted Earnings per Share		 $0.10 $0.07 $0.11 $0.07 $0.10 $0.06 ($0.03) $0.05 $0.01 ($0.17) ($0.02)
Adjusted Weighted Average Diluted Shares Outstanding		 52.23M 52.23M 52.25M 52.27M 52.28M 52.27M 52.31M 52.33M 52.35M 52.34M 52.40M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 52.23M 52.25M 52.26M 52.28M 52.29M 52.31M 52.32M 52.34M 52.36M 52.40M 52.44M
Normalized Net Operating Profit after Tax (NOPAT)		 6.36 3.51 6.98 3.22 6.28 4.79 -0.36 2.58 1.29 -5.43 1.09
Normalized NOPAT Margin		 66.13% 39.41% 53.55% 33.77% 66.12% 42.91% -4.63% 37.20% 26.36% -107.54% 20.50%
Pre Tax Income Margin		 66.34% 56.30% 53.63% 48.24% 66.16% 42.96% -6.61% 53.14% 37.66% -153.63% 3.81%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.29 0.26 0.31 0.22 0.31 0.49 -0.04 0.27 0.14 -0.92 0.01
NOPAT to Interest Expense		 0.29 0.21 0.31 0.22 0.31 0.28 -0.02 0.27 0.14 -0.64 0.01
EBIT Less CapEx to Interest Expense		 0.29 0.26 0.31 0.22 0.31 0.49 -0.04 0.27 0.14 -0.92 0.00
NOPAT Less CapEx to Interest Expense		 0.29 0.21 0.31 0.22 0.31 0.28 -0.02 0.27 0.14 -0.64 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 103.04% 90.28% 87.54% 82.11% 86.97% 90.16% 169.39% 183.89% 256.51% -839.74% -806.34%
Augmented Payout Ratio		 103.04% 90.28% 87.54% 82.11% 86.97% 90.16% 169.39% 183.89% 256.51% -839.74% -806.34%

Financials Breakdown Chart

Key Financial Trends

Lument Finance Trust (NYSE:LFT) shows a sharp quarter-over-quarter rebound in Q1 2026, but the broader multi-year picture remains volatile. The company moved back to positive earnings and generated solid operating cash flow in the latest quarter, yet its balance sheet remains highly leveraged and earnings have swung significantly over the last several quarters.

  • Q1 2026 earnings recovered meaningfully. Net income attributable to common shareholders improved to a loss of $0.98 million versus a loss of $8.94 million in Q4 2025, and compared with a loss of $1.71 million in Q1 2025.
  • Operating cash flow was strong in Q1 2026. Net cash from operating activities rose to $3.6 million, up from $1.3 million in Q4 2025 and above the $4.1 million posted in Q1 2025 only slightly lower, showing the business still throws off cash.
  • Interest income improved quarter over quarter. Total interest income increased to $19.9 million in Q1 2026 from $13.8 million in Q4 2025, helped by higher loan interest income.
  • Loan portfolio expanded. Net loans and leases rose to $1.11 billion in Q1 2026 from $821.8 million in Q3 2025 and $905.4 million in Q2 2025, indicating substantial asset growth.
  • Equity strengthened from the prior quarter. Total equity and noncontrolling interests increased to $216.1 million in Q1 2026 from $230.1 million in Q3 2025? Actually, on the current quarter vs Q4 2025 it improved from $not provided in the same format for Q4, but common equity rose to $158.7 million, supported by retained earnings and asset growth.
  • Revenue mix is still heavily dependent on net interest income. Non-interest income was negative in Q1 2026 at $0.4 million, so core profitability remains driven primarily by lending spreads.
  • The company continues to pay a dividend. Cash dividends to common were $0.04 per share in Q1 2026, which suggests management is still returning capital to shareholders despite uneven earnings.
  • Share count has been fairly stable. Weighted average diluted shares were 52.4 million in Q1 2026 versus 52.3 million in prior quarters, so earnings changes are mostly operational rather than dilution-driven.
  • Mortgage servicing rights are a small but steady asset. MSRs were $524 thousand in Q1 2026, a modest contribution relative to the overall balance sheet.
  • Leverage remains very high. Total liabilities were $988.8 million against total assets of $1.20 billion in Q1 2026, leaving only a relatively thin equity cushion.
  • Debt is the dominant funding source. Long-term debt totaled $629.9 million and short-term debt was $348.7 million in Q1 2026, which makes the company sensitive to refinancing and interest-rate pressure.
  • Credit costs remain a recurring issue. Q1 2026 included a $1.35 million impairment charge, and prior quarters showed sizable provisions for credit losses, highlighting ongoing asset-quality pressure.
  • Earnings have been volatile over the last year. The company swung from solid profits in parts of 2024 and mid-2025 to a large loss in Q4 2025, then back toward breakeven in Q1 2026.
  • Interest expense remains high. Q1 2026 total interest expense was $14.2 million versus total interest income of $19.9 million, leaving only a modest net interest spread after funding costs.

Bottom line: LFT’s latest quarter looks better, with improved earnings and operating cash flow, but the multi-year trend still points to a highly leveraged mortgage/loan trust with inconsistent profitability and meaningful credit risk. For retail investors, the stock likely remains more of a high-yield, high-risk income play than a steady compounder.

07/21/26 01:58 PM ETAI Generated. May Contain Errors.

Lument Finance Trust Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Lument Finance Trust's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Lument Finance Trust's net income appears to be on an upward trend, with a most recent value of -$2.75 million in 2025, falling from $450.48 thousand in 2015. The previous period was $22.65 million in 2024. View Lument Finance Trust's forecast to see where analysts expect Lument Finance Trust to go next.

Over the last 10 years, Lument Finance Trust's total revenue changed from $21.21 million in 2015 to $24.65 million in 2025, a change of 16.2%.

Lument Finance Trust's total liabilities were at $996.89 million at the end of 2025, a 11.9% increase from 2024, and a 57.0% decrease since 2015.

In the past 10 years, Lument Finance Trust's cash and equivalents has ranged from $7.88 million in 2018 to $69.17 million in 2024, and is currently $23.11 million as of their latest financial filing in 2025.

Over the last 10 years, Lument Finance Trust's book value per share changed from 9.53 in 2015 to 3.09 in 2025, a change of -67.6%.


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Financial statements for NYSE:LFT last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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