Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Lument Finance Trust Inc(LFT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LFT
11/13/2026: LFT (1-star) is currently NOT-A-BUY. Pass it for now.
Lument Finance Trust Inc is a specialized mortgage REIT that focuses on providing floating-rate transitional loans for middle-market commercial properties, primarily in the multifamily sector. Its main strength lies in its strategic alignment with the Lument/ORIX USA management platform, which provides consistent access to loan originations. The primary growth opportunity involves capitalizing on the demand for bridge financing in the current property market, though this is tempered by significant risks, including commercial real estate credit volatility and interest rate sensitivity. As an income-oriented stock, it may suit dividend-focused investors, though they must monitor portfolio credit quality and interest margin trends closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company's business model is centered on income generation rather than capital appreciation. |
| Momentum investor | Weak fit | This stock generally lacks the high-growth trajectory required for momentum strategies. |
| Value investor | Mixed fit | Investors may find value based on the discount to book value, though credit quality is a key consideration. |
| Dividend investor | Strong fit | The company is designed to provide recurring income through dividends derived from mortgage interest. |
| Low-risk investor | Weak fit | Mortgage REITs carry inherent credit and interest rate risks that can lead to significant share price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is sensitive to macroeconomic factors impacting commercial real estate. |
| Valuation risk | Medium | Market pricing relative to book value can fluctuate significantly based on portfolio performance. |
| Competition risk (CRE lending) | High | Intense competition for quality loan originations can compress yields. |
| Business quality | Medium | As an externally managed REIT, operational performance is highly dependent on the manager. |
| Dividend income | Medium / high | Dividends depend on distributable earnings, which are vulnerable to credit losses. |
| Execution risk | Medium | Success depends on the ability to originate and manage a performing portfolio of loans. |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 19.82M USD | Price to earnings Ratio - | 1Y Target Price 2.75 |
Price to earnings Ratio - | 1Y Target Price 2.75 | ||
Volume (30-day avg) 20.7K shares | Beta 0.72 | 52 Weeks Range 3.76 - 14.91 | Updated Date 11/14/2026 |
52 Weeks Range 3.76 - 14.91 | Updated Date 11/14/2026 | ||
Dividends yield (FY) 36.12% | Basic EPS (TTM) -3.5 |
Sector & Industry Intelligence
Sector
Real Estate
Constructive- Sentiment
- Strong Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 64.5%
- Active BUY / eligible
- 20 / 31
- 30-Day BUY Count Change
- +16
- Market state
- Strong Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Industry classification is unavailable for this snapshot.
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -32.82% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial mortgage loans minus interest expense on financing. | The company makes money by lending out borrowed funds at a higher interest rate than it pays to borrow them. |
Earnings Date
Report Date 2026-11-12 | When After Market | Estimate 0.4 | Actual -0.13 |
Profitability
Profit Margin - | Operating Margin (TTM) -280.49% |
Management Effectiveness
Return on Assets (TTM) -1.3% | Return on Equity (TTM) -6.29% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 949.66M | Price to Sales(TTM) 4.59 |
Enterprise Value 949.66M | Price to Sales(TTM) 4.59 | ||
Enterprise Value to Revenue 45.84 | Enterprise Value to EBITDA - | Shares Outstanding 5.26M | Shares Floating 3.04M |
Shares Outstanding 5.26M | Shares Floating 3.04M | ||
Percent Insiders 14.81 | Percent Institutions 44.36 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.