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The Screen · Real Estate · REIT - Mortgage
LFTLument Finance Trust, Inc.
LFT · the NYSE · USD · Market cap $294M
Lument Finance Trust, Inc., a real estate investment trust, focuses on investing in, originating, financing, and managing a portfolio of commercial real estate (CRE) debt investments in the United States.
FAIL · Does not pass the screen
4.25 USD
Price as of 23 Oct 2026Daily close, not a live quoteLast reviewed 5 days ago
Screened 2026-10-23 · the tape above runs as of 18:04 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price4.25 USD at the 23 Oct 2026 close
Our ratingAvoid, current read distribution
Ethical screenDoes not pass
Last reviewed23 Oct 2026 (5 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 4.25 against the desk's fair-value range, base estimate 3.28, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price4.25 USD
Fair value3.28
Ethical score30.0/100
RatingAVOID
Our investment reviews on this name
2026-10-11Read Distribution5.60-24.1% to today ✓Markup gives way to Distribution after a 419% rise in 5 weeks
2026-09-04Read Markup1.08+293.5% to today ✓Distribution gives way to Markup while volume is distributing
2026-07-02Read Distribution1.08+293.5% to today First review on file: Distribution
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Lument Finance Trust, Inc. holds its Distribution at $4.25. The statistical read favours the sellers, held for 9 days.
As held on the ledger · 2026-10-23
Phase
Distribution · caution
Quantitative state
The statistical read favours the sellers, held for 9 days
Price at the screen
$4.25
Valuation
N/A trailing · 22.40 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.59
The Workings
Five Screens, Shown in Full
Does not pass. Business activity
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Financial sector: mortgage
Fail
Debt load
0.00%
Below 33%
Interest-bearing debt is just 0.0% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
0.00%
Below 33%
Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit.
Pass
Receivables
0.00%
Below 49%
Money owed to the company is 0.0% of assets, under the 49% limit.
Pass
Revenue purity
392.13%
Below 5%
392.1% of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Lument Finance Trust, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-27. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when LFT's ethical verdict changes
Today LFT does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads AVOID: it trades above our $3.28 fair value estimate, weak competitive moat, 208.50% revenue growth.
Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. The price runs 29.8% above the base estimate.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why it gives us pause
At 22.4x forward earnings, the price already runs ahead of the business. It trades 30% above our $3.28 fair value, so you would be buying at a premium, not a discount. The weak moat is real, but quality alone does not make an expensive price cheap.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
LFT trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-26Distribution$4.67-16.6%Entry 8
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 16.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading oversold. Over the past year the shares are down 56%. Our forward projection puts the odds of a 10% gain over the next month near 15%. Since the last review it dropped out of the Titan Ethical 500.
2026-10-11Distribution · changed$5.60+0.0%Entry 7
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 56%. Our forward projection puts the odds of a 10% gain over the next month near 15%.
2026-10-02Markup$5.60+418.5%Entry 6
Our analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 418.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 56%. Our forward projection puts the odds of a 10% gain over the next month near 15%. Since the last review it its composite score eased.
2026-09-04Markup · changed$1.08+0.0%Entry 5
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 56%. Our forward projection puts the odds of a 10% gain over the next month near 15%.
2026-08-04Distribution$1.08+0.0%Entry 4
Our analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 56%. Our forward projection puts the odds of a 10% gain over the next month near 15%.
2026-07-18Distribution$1.08+0.0%Entry 3
Our analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 56%. Our forward projection puts the odds of a 10% gain over the next month near 15%.
2026-07-03Distribution$1.08+0.0%Entry 2
Our analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
2026-07-02Distribution$1.08Entry 1
Our analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
What Holding Actually Paid · Price Plus Dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$1.16
-12.9%
·
$871
-12.9%
2 months
$1.28
-21.1%
·
$789
-21.1%
3 months
$1.33
-23.9%
$0.04
$791
-20.9%
6 months
$1.54
-34.2%
$0.08
$710
-29.0%
1 year
$2.30
-56.1%
$0.18
$517
-48.3%
2 years
$1.90
-47.0%
$0.59
$840
-16.0%
3 years
$1.27
-20.6%
$0.86
$1,470
+47.0%
5 years
$2.26
-55.3%
$1.43
$1,079
+7.9%
Historical returns from market close data. Past performance does not guarantee future results.
The Ledger's Promise
This entry now belongs to the ledger. Whatever LFT does next, these words stay.
Lument Finance Trust, Inc. · LFT · Distribution · $4.25
Recorded 2026-10-23 · before the outcome · scored mechanically