Lument Finance Trust, Inc. — Earnings Quality Grade F
LFT · Real Estate
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO surged by 36 days (62 → 98)
Small-cap context: DSO swings on a small revenue base are more often quarterly customer-mix effects than red flags.
AR growth -8.7% vs revenue growth -42.2%
Revenue -42.2%, CFFO -62.8%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = -3.68. Below 1.0
FCF $0.0B, FCF/NI = -3.12
Accruals ratio = -1.1%. Low accruals
Cash $0.0B covers only 3% of debt $0.8B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 0% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -15% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Lument Finance Trust, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25