Lument Finance Trust

LFT

REIT - Mortgage · Real Estate

Exchange

New York Stock Exchange

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Weak

Cash Flow

Weak

Stability

Weak

Valuation

Data not available

Dividends

Good

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Winston Score History

The full picture

Lument Finance Trust is a real estate investment trust (REIT) that lends money to owners of multifamily apartment buildings across the United States. Instead of owning properties directly, it acts like a bank — providing loans to landlords and property developers who need financing to buy or improve apartment complexes. Its main customers are commercial real estate borrowers focused on workforce and affordable housing.

The company makes money primarily from the interest it earns on its loan portfolio, which consists largely of floating-rate bridge loans and other commercial real estate debt. It operates exclusively in the U.S. and is externally managed by Lument Investment Management, a firm with deep roots in multifamily lending. Because its loans are mostly floating-rate, rising interest rates can boost income but also increase borrower stress and default risk — meaning credit quality of its loan book is the central risk investors watch closely.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-100.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-475.8% YoY

YoY Growth Rate

Earnings declining

Insider Activity

37.1%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$29M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Lument Finance Trust's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

N/A

Data not available

Profit after running costs

Operating Margin

N/A

Data not available

Return on the money invested

ROCE

12.5%

Good — 12.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

-2.6%

Shrinking sales (-2.6% YoY)

Profit growth

EPS YoY

-296.0%

Earnings shrinking (-296.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

1/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

11.6%

Modest free cash flow (11.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

0.63x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

23.61%

no trend

Healthy income — 23.61% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

-59.0%

no trend

Dividend cut (-59.0% YoY) — warning sign

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