Lument Finance TrustLFT +1.63%42 Return-on-Tangible-Asset is 0.07% as of Mar. 2026, which is 92% below its 10-year median of 0.93. GuruFocus rates LFT with a GF Score™ of 42/100 and a GF Value™ of $1.35 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 939 REITs companies, Lument Finance Trust ranks worse than 80.62% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Lument Finance Trust's annualizedNet Income for the quarter that ended in Mar. 2026 was $0.83 Mil. Lument Finance Trust's average total tangible assets for the quarter that ended in Mar. 2026 was $1,209.86 Mil. Therefore, Lument Finance Trust's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.07%.
The historical rank and industry rank for Lument Finance Trust's Return-on-Tangible-Asset or its related term are showing as below:
LFT'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.44 Med: 0.93 Max: 1.76
Current: -0.19
During the past 13 years, Lument Finance Trust's highest Return-on-Tangible-Asset was 1.76%. The lowest was -0.44%. And the median was 0.93%.
LFT's Return-on-Tangible-Asset is ranked worse than 80.62% of 939
companies
in the REITs industry
Industry Median: 3.24
vs LFT: -0.19
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Lument Finance Trust Return-on-Tangible-Asset Related Terms
Lument Finance Trust Return-on-Tangible-Asset Historical Data
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The historical data trend for Lument Finance Trust's Return-on-Tangible-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LFT vs LOAN, SACH, GPMT: Return-on-Tangible-Asset Comparison
For the REIT - Mortgage subindustry, Lument Finance Trust's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs REITs Industry
For the REITs industry and Real Estate sector, Lument Finance Trust's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Lument Finance Trust's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.07% mean?
Lument Finance Trust (LFT) has a Return-on-Tangible-Asset of 0.07% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Lument Finance Trust and its competitors. This is 92% below median its historical median of 0.93. According to the industry distribution chart, Lument Finance Trust ranks #757 out of 939 companies in the REITs industry, placing it in the top 80.6%.
Is Lument Finance Trust's Return-on-Tangible-Asset too high?
Lument Finance Trust's current Return-on-Tangible-Asset of 0.07% is 92% below median its 10-year median of 0.93. The REITs industry median Return-on-Tangible-Asset is 3.24. Lument Finance Trust's value of 0.07% is 97.8% below this industry median. Based on the distribution chart, Lument Finance Trust ranks #757 out of 939 companies in the REITs industry, which is in the bottom quartile relative to peers. Overall, Lument Finance Trust has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Lument Finance Trust's Return-on-Tangible-Asset compare to LOAN and SACH?
According to the REITs industry distribution chart, Lument Finance Trust ranks #757 out of 939 companies for Return-on-Tangible-Asset. This places Lument Finance Trust in the lower half of its industry. The industry median Return-on-Tangible-Asset is 3.24. Lument Finance Trust's value of 0.07% is 97.8% below this benchmark. While the company's 10-year median is 0.93 vs. the industry median of 3.24, Lument Finance Trust has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a REITs company?
The median Return-on-Tangible-Asset among REITs companies is 3.24, based on 939 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lument Finance Trust's current Return-on-Tangible-Asset of 0.07% is 97.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Lument Finance Trust and its competitors. For the REITs industry, the median Return-on-Tangible-Asset is 3.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lument Finance Trust's current Return-on-Tangible-Asset is 0.07%, which is 92% below median its own 10-year median of 0.93. 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 Possible Value Trap. The stock's GF Value™ is $1.35, compared to a current price of $0.94 — trading 30.1% below its estimated fair value. The current Return-on-Tangible-Asset is 0.07%, which is 92% below median its 10-year median of 0.93 and 97.8% below the REITs industry median of 3.24. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Lument Finance Trust (LFT), the current Return-on-Tangible-Asset is 0.07% as of Mar. 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 $0.94 is trading 30.1% below its estimated GF Value™ of $1.35.
GuruFocus considers Lument Finance Trust to be Possible Value Trap.
Key valuation signals for LFT:
Return-on-Tangible-Asset: 0.07% (92% below median its 10-year median of 0.93)
GF Value™: $1.35 vs. price of $0.94 (30.1% below fair value)
Industry Position: 97.8% below the REITs median (#757 of 939)
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 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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