profit from every $100 of sales.
$0$100
Lument Finance
$4.37+6.07% today
-71.2% in 1 year
1-year low $3.871-year high $16.30
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Lument Finance sold, what it kept, and what it did with the cash.
Sales went from $20.0 million in 2022 to $20.1 million in 2025, with -$2.75 million of profit last year.
SalesProfit
Lument Finance handed back more cash to shareholders than it generated last year.
$23M
Free cash flow 2025$9M
Bought back its own shares–
Paid as dividends$23M
Cash vs. debt$23M vs. $813M
Lument Finance vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Lument Finance | No profit yet | ||
 Annaly Capital Management | 7.4× · Cheap | ||
 AGNC Investment | 6.8× · Cheap | ||
 Rithm Capital | 7.7× · Cheap | ||
 Starwood Property | 10.9× · Cheap |
AI analysis
An AI analyst reads Lument Finance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 20 | 30 | 35 | 20 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 10 | 20 | 23 | -3 | |
| 0.11 | 0.29 | 0.34 | -0.14 | |
| – | – | – | – | |
| – | – | – | – | |
| 49.3% | 65.1% | 65.0% | -13.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,128 | 1,447 | 1,129 | 1,216 |
| Cash | 44 | 51 | 69 | 23 |
| Total debt | 876 | 1,193 | 876 | 813 |
| Total liabilities | 885 | 1,206 | 891 | 997 |
| 243 | 241 | 238 | 219 | |
| 48 | 52 | 52 | 52 | |
| – | – | – | – | |
| 4.1% | 8.2% | 9.5% | -1.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 16 | 25 | 27 | 10 | |
| – | – | – | 2 | |
| 16 | 25 | 27 | 9 | |
| Dividends paid | 16 | 18 | 20 | 23 |
| – | – | – | – | |
| 0 | 0 | 0 | 0 |
Valuation
- –
- 18.6×
- –
- 0.3×
- 1.1×
- 2.7×
- –
- 37.3%
- -12.0%
- 15.5%
Profitability
- 90.1%
- 65.9%
- -13.6%
- 65.6%
- 4.3%
- 1.0%
- -1.2%
- -0.2%
- 4.3%
- –
Growth
- +0.2%
- –
- −62.8%
- −9.6%
- +20.4%
Financial health
- 18.6×
- 4.51
- 81.3%
- 1.0×
- –
- –
- 0.07
How it ranks in Real Estate
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 47%of 746
Top 17%of 752
Bottom 20%of 763
Top 2%of 762
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 15, 2026 | 0.02 | 0.06 | −66.7% |
| Mar 23, 2026 | -0.17 | 0.06 | −383.3% |
| Nov 12, 2025 | 0.02 | 0.06 | −66.7% |
| Aug 8, 2025 | 0.05 | 0.08 | −33.3% |
| May 12, 2025 | 0.08 | 0.09 | −11.1% |
| Mar 19, 2025 | 0.10 | 0.10 | +0.0% |
| Nov 12, 2024 | 0.10 | 0.08 | +25.0% |
| Aug 12, 2024 | 0.09 | 0.11 | −18.2% |
15.5%of the share price, paid each year
On $1,000 invested$155a year at today's yield, before tax
−9.6%2020 to 2025
Raised–not every year
Paid per share, each year
$1.35 in 2015 → $0.22 in 2025
How safe it looks
-753.4% of its profit
Room to growStretchedMore than it earns: 268.8%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
46No pass
Benjamin Graham
20No pass
Philip Fisher
61Pass
Peter Lynch
73Pass
Joel Greenblatt
23No pass
Charlie Munger
45No pass
Terry Smith
38No pass
Questions about Lument Finance
Is Lument Finance a good stock to buy?
A business with weak numbers that is not profitable yet. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Lument Finance AI analysis
What does Lument Finance do?
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 is in REIT - Mortgage.
Does Lument Finance pay a dividend?
Yes. At today's price the dividend is 15.5% a year. In 2025 it paid out $23.1 million in dividends.
Is Lument Finance stock halal?
No. Lument Finance does not pass our halal screen: its main business, mortgage lending, is not permitted. How we check
How has Lument Finance stock done over the past year?
Down 71.2% over the past twelve months, to $4.37. It traded between $3.87 and $16.30 and is 73.2% below its high.
Who are Lument Finance's competitors?
The largest listed companies in the same industry are Annaly Capital Management, AGNC Investment, Rithm Capital and Starwood Property. The peers table on this page compares their profit, growth and price with Lument Finance's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.