LFT (Lument Finance Trust) Moat Score: 3/10 (As of Jun. 28, 2026)


LFT Lument Finance Trust Inc LFT
42 GF Score
Price $1.01
GF Value $1.35
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Lument Finance Trust Moat Score?

Lument Finance Trust LFT -4.72% 42 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates LFT with a GF Score™ of 42/100 and a GF Value™ of $1.35 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 994 REITs companies, Lument Finance Trust ranks better than 77.16% on this metric.

Lument Finance Trust has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Lument Finance Trust has No Moat: Hunt Companies Finance Trust Inc operates in a competitive real estate finance market with limited differentiation. The company lacks significant market leadership, customer switching costs, or proprietary technology. Its competitive position is not supported by strong brand strength or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Lument Finance Trust might have No Moat - Very weak/transient advantages.

Lument Finance Trust  (NYSE:LFT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Lument Finance Trust Moat Score Related Terms

LFT vs LOAN, SACH, GPMT: Moat Score Comparison

For the REIT - Mortgage subindustry, Lument Finance Trust's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Lument Finance Trust Moat Score vs REITs Industry

For the REITs industry and Real Estate sector, Lument Finance Trust's Moat Score distribution charts can be found below:

* The bar in red indicates where Lument Finance Trust's Moat Score falls into.


LFT
42GF Score
Lument Finance Trust Inc LFT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Lument Finance Trust (LFT) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Lument Finance Trust ranks #227 out of 994 companies in the REITs industry, placing it in the top 22.8%.
Is Lument Finance Trust's Moat Score too high?
Lument Finance Trust's current Moat Score is 3. Based on the distribution chart, Lument Finance Trust ranks #227 out of 994 companies in the REITs industry, which is in the top quartile — a strong position relative to peers. Overall, Lument Finance Trust has a GF Score™ of 42/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lument Finance Trust's Moat Score compare to LOAN and SACH?
According to the REITs industry distribution chart, Lument Finance Trust ranks #227 out of 994 companies for Moat Score. This places Lument Finance Trust in the top 23% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a REITs company?
A good Moat Score depends on the REITs industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Lument Finance Trust's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lument Finance Trust stock overvalued right now?
Based on GuruFocus' analysis, Lument Finance Trust (LFT) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.35, compared to a current price of $1.01 — trading 25.2% below its estimated fair value. The current Moat Score is 3. Lument Finance Trust's overall GF Score™ is 42/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Lument Finance Trust (LFT), the current Moat Score is 3 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Lument Finance Trust (LFT) Overvalued in 2026?

Based on GuruFocus' analysis, Lument Finance Trust stock appears to be undervalued. The current stock price of $1.01 is trading 25.2% below its estimated GF Value™ of $1.35. GuruFocus considers Lument Finance Trust to be Modestly Undervalued.

Key valuation signals for LFT:

  • Moat Score: 3
  • GF Value™: $1.35 vs. price of $1.01 (25.2% below fair value)
  • GF Score™: 42/100 with 3 warning signs

No single metric tells the full story. See the LFT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Lument Finance Trust Business Description

Industry Real EstateREITs
Other Exchanges 70X:Germany
Address 230 Park Avenue, 20th Floor, New York, NY, USA, 10169
Lument Finance Trust Inc operates as a real estate investment trust. The company is engaged in investment, financing, and management of a portfolio of commercial real estate debt investments. It invests in transitional floating-rate commercial real estate mortgage loans, mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed-rate loans, construction loans, and other CRE debt instruments.
42GF Score

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$1.01
Price
$1.35
GF Value