Stock Ratings / Financials / LFT / dividends

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Lument Finance Trust Inc. (LFT) Dividend Safety Gauge & 10-Year DRIP Compounder

Q: Is LFT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Lument Finance Trust Inc. (NYSE: LFT) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $3.90 (-1.27% 1D, market cap $20.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, LFT ranks #880 in composite RQD confidence.

Q: How does LFT compare to GPMT and NYC in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), LFT carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -1.3%. By comparison, GPMT (Granite Point Mortgage Trust Inc.) holds a D grade (51/100 RQD, P/E N/A, ROIC -7.4%, cap $21.2M) and NYC (American Strategic Investment Co. (Class A)) posts a D- grade (39/100 RQD, P/E N/A, ROIC 5.5%, cap $18.4M). Among the 5-stock peer group, LFT leads on earnings multiple (N/A) while AHT leads on capital efficiency (85.0% ROIC).

Q: What are the biggest fundamental strengths and SEC risk factors for LFT?

Per LFT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001547546), Lument Finance Trust Inc. generated $0 in revenue, -$2.7M in net income, and $10.1M in free cash flow against $1.22B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Q: Where is LFT trading relative to its 50-day, 200-day, and 52-week technical levels?

LFT last traded at $3.90 (-1.27% on volume of 13,340 shares), positioning the stock -30.60% below its 50-day simple moving average ($5.62) and -60.45% below its 200-day simple moving average ($9.86). Across its 52-week range of $3.85 to $16.50, LFT sits at the 0.4% percentile with a 14-day RSI of 23.6 (OVERSOLD (<32)) and an implied next-earnings move of ±11.4% ($3.46 to $4.34).

Q: Does LFT pay a dividend and is it safe?

Lument Finance Trust Inc. (LFT) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

$3.90 -1.27% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.88

Lument Finance Trust Inc. (LFT) carries a Roarable Rating of D (Sell) with 49/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $20.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.88 (-0.42%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LFT)Realized 20D OHLCV Swing Band: ±11.4%

Deterministic 5-Pillar Attribution (49/100 Composite)

🔍 WHY LFT SCORES 49/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (31% of score)

FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 23.6 (OVERSOLD (<32))

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 0.3% FCF Margin ($10.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Disciplined Float (+0.72% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$5.17-14.9% Next Q

Q2 (-2Q)

Grade C-$4.40-3.4% Next Q

Q3 (-1Q)

Grade C-$4.25-8.2% Next Q

Current

Grade D$3.90-5.4% Hist 90D α

Trajectory: C (57) → D (49)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a LFT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While LFT currently carries a cautious 49/100 (D) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.62) and Max Pain ($4.10) forces dealer call-delta covering toward $17.32.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LFT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LFT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 49%NO 51%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LFT)

✓Walkthrough of LFT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

LFT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -67.23%⚡ TESTING RESISTANCE

2026-10-30O $3.87H $3.90L $3.85C $3.90VOL 13.8K

RES: $4.25SUP: $1.47SMA50: $5.62SMA200: $9.86

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LFT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LFT Butterfly Map → + Track LFT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LFT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LFT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LFT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LFT)

Financials Rank #880 of 1096 ⚔️ GPMT vs LFT Full Matrix →

1. Head-to-Head Financials Peer Comparison (LFT vs. GPMT, NYC, AHT, MDRR)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Lument Finance Trust Inc. (LFT) ranks #880 by composite RQD confidence (49/100, grade D) and #1056 by equity capitalization ($20.5M). Within this direct 5-issuer industry benchmark cohort, LFT leads on earnings valuation at N/A trailing P/E, while AHT leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. MDRR currently holds the highest overall quantitative score in the immediate peer group at 53/100 (D+) compared with LFT at 49/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LFT ACTIVE Lument Finance Trust Inc.	D	49/100	—	—	-1.3%	-1.27%	$20.5M	Benchmark Subject
GPMT Granite Point Mortgage Trust Inc.	D	51/100	—	—	-7.4%	-2.00%	$21.2M	/gpmt-vs-lft →
NYC American Strategic Investment Co. (Class A)	D-	39/100	—	—	5.5%	0.00%	$18.4M	/nyc-vs-lft →
AHT Ashford Hospitality Trust Inc	D	44/100	—	—	85.0%	+0.38%	$17.1M	/aht-vs-lft →
MDRR Medalist Diversified Inc.	D+	53/100	—	—	6.4%	0.00%	$17.1M	/mdrr-vs-lft →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001547546

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Lument Finance Trust Inc. (LFT) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$2.7M, operating cash flow of $10.1M, and free cash flow of $10.1M (-62.8% YoY). On the balance sheet, LFT closed FY2025 with $1.22B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	-$2.7M	$10.1M	$10.1M	$1.22B	—
FY2024 (FY)	2024-12-31	$0	$22.6M	$27.1M	$27.1M	$1.13B	—
FY2023 (FY)	2023-12-31	$0	$19.7M	$24.7M	$24.7M	—	—

3. LFT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LFT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Lument Finance Trust Inc. (NYSE: LFT) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $3.90 (-1.27% 1D, market cap $20.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, LFT ranks #880 in composite RQD confidence.

How does LFT compare to GPMT and NYC in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), LFT carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -1.3%. By comparison, GPMT (Granite Point Mortgage Trust Inc.) holds a D grade (51/100 RQD, P/E N/A, ROIC -7.4%, cap $21.2M) and NYC (American Strategic Investment Co. (Class A)) posts a D- grade (39/100 RQD, P/E N/A, ROIC 5.5%, cap $18.4M). Among the 5-stock peer group, LFT leads on earnings multiple (N/A) while AHT leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LFT?

Per LFT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001547546), Lument Finance Trust Inc. generated $0 in revenue, -$2.7M in net income, and $10.1M in free cash flow against $1.22B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LFT trading relative to its 50-day, 200-day, and 52-week technical levels?

LFT last traded at $3.90 (-1.27% on volume of 13,340 shares), positioning the stock -30.60% below its 50-day simple moving average ($5.62) and -60.45% below its 200-day simple moving average ($9.86). Across its 52-week range of $3.85 to $16.50, LFT sits at the 0.4% percentile with a 14-day RSI of 23.6 (OVERSOLD (<32)) and an implied next-earnings move of ±11.4% ($3.46 to $4.34).

LFT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does LFT pay a dividend and is it safe?

Lument Finance Trust Inc. (LFT) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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