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Upturn AI SWOT - About
LFT 
Lument Finance Trust Inc (LFT)
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Upturn Advisory Summary
09/15/2025: LFT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $2.75
1 Year Target Price $2.75
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.45% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 121.43M USD | Price to earnings Ratio 12.89 | 1Y Target Price 2.75 |
Price to earnings Ratio 12.89 | 1Y Target Price 2.75 | ||
Volume (30-day avg) 3 | Beta 0.83 | 52 Weeks Range 2.05 - 2.68 | Updated Date 09/15/2025 |
52 Weeks Range 2.05 - 2.68 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 12.82% | Basic EPS (TTM) 0.18 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 55.18% | Operating Margin (TTM) 53.59% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 6.01% |
Valuation
Trailing PE 12.89 | Forward PE - | Enterprise Value 876838848 | Price to Sales(TTM) 4.71 |
Enterprise Value 876838848 | Price to Sales(TTM) 4.71 | ||
Enterprise Value to Revenue 32.25 | Enterprise Value to EBITDA - | Shares Outstanding 52341000 | Shares Floating 27344009 |
Shares Outstanding 52341000 | Shares Floating 27344009 | ||
Percent Insiders 14.02 | Percent Institutions 50.76 |
Upturn AI SWOT
Lument Finance Trust Inc
Company Overview
History and Background
Lument Finance Trust, Inc. (LFT) was formed in 2015 and is focused on originating, acquiring, financing and managing a portfolio of commercial real estate (CRE) debt investments. It operates as a real estate investment trust (REIT). Initially managed by Hunt Investment Management, Lument Investment Management, LLC now manages it.
Core Business Areas
- Commercial Real Estate Debt Investments: LFT focuses on investing in and managing a portfolio of CRE debt investments, including first mortgage loans, B-notes, mezzanine loans, and preferred equity.
Leadership and Structure
The company is led by James Flynn, CEO, and other senior management. It operates as a REIT and is externally managed by Lument Investment Management, LLC.
Top Products and Market Share
Key Offerings
- Commercial Mortgage Loans: LFT primarily offers commercial mortgage loans, including first mortgage loans, B-notes, mezzanine loans, and preferred equity. Competitors include other REITs such as BXMT, ACRE and STAR. Specific market share data is difficult to obtain for this niche within the broader commercial mortgage market. Revenue is derived from interest income and fees generated from these loans.
Market Dynamics
Industry Overview
The commercial real estate debt market is influenced by interest rates, economic growth, and property values. Fluctuations in interest rates significantly impact REITs like LFT.
Positioning
LFT is positioned as a commercial real estate debt investment company, focusing on smaller balance commercial real estate loans. LFT is competing with larger institutions in the commercial lending space.
Total Addressable Market (TAM)
The total addressable market (TAM) for commercial real estate debt is substantial, estimated to be in the trillions of dollars. LFT targets smaller balance commercial real estate loans positioning it to capitalize on the opportunities in this specific niche.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Focus on smaller balance commercial real estate loans
- Established relationships with Lument.
Weaknesses
- External management structure
- Concentrated portfolio
- Sensitivity to interest rate changes
Opportunities
- Expansion of lending products
- Growing demand for CRE debt
- Strategic acquisitions and partnerships
Threats
- Economic downturns
- Increased competition
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BXMT
- ACRE
- STAR
Competitive Landscape
LFT's advantages include a focus on smaller balance CRE loans. Disadvantages may include its smaller size compared to larger REITs like BXMT.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be analyzed through past financial reports.
Future Projections: Future growth projections are typically based on analyst estimates, which are not available in this context.
Recent Initiatives: Recent initiatives might include new loan origination programs, acquisitions, or changes in management strategy. Specific details require company announcements.
Summary
Lument Finance Trust (LFT) is a REIT focused on CRE debt, specifically smaller balance loans. Its external management structure and sensitivity to interest rate hikes are potential weaknesses, but opportunities exist to expand its product offerings. Competition within the REIT market is intense. Further financial data analysis is needed to make a conclusive assessment of LFT's overall strength and prospects.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- SEC.gov
- Public Financial News Sources
- Analyst Reports
Disclaimers:
The data and analysis provided are based on publicly available information. The AI rating is based on a general assessment and should not be considered financial advice. Investment decisions should be made after conducting thorough research and consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lument Finance Trust Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2013-03-22 | CEO & Chairman of the Board Mr. James Peter Flynn J.D. | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees - | Website https://lumentfinancetrust.com |
Full time employees - | Website https://lumentfinancetrust.com | ||
Lument Finance Trust, Inc., a real estate investment trust, focuses on investing in, financing, and managing a portfolio of commercial real estate (CRE) debt investments in the United States. It invests in transitional floating rate CRE mortgage loans on middle market multi-family assets; and other CRE -related investments, including mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed rate loans, construction loans, and other CRE debt instruments. The company is qualified as a real estate investment trust under the Internal Revenue Code of 1986. As a REIT, it would not be subject to federal income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as Hunt Companies Finance Trust, Inc. and changed its name to Lument Finance Trust, Inc. in December 2020. Lument Finance Trust, Inc. was incorporated in 2012 and is headquartered in New York, New York.
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