Lument Finance Trust, Inc. Financial Ratios — LFT Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	49.12	4.35	-32.32	- -	- -	- -	- -	122.63	45.29	19.19	37.59	30.24	-10.82
Return on Assets (%)	- -	1.03	0.19	0.02	-0.43	0.19	-0.33	0.93	1.32	1.26	0.91	1.53	1.76	-0.23
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	4.41	0.27	0.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	39.69	22.32	2.47	-154.65	- -	- -	- -	- -	- -	- -	- -	- -	3.87
Operating Margin (%)	- -	39.69	22.32	2.47	-154.65	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	39.69	1.3	-84.35	- -	62	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	39.69	22.32	2.47	-201.81	26.07	-79.13	38.15	41.66	50.34	49.31	65.16	65.02	-13.59
Profit Margin (%)	- -	39.69	22.32	2.47	-201.81	26.07	-109.61	38.41	44.15	49.97	49.26	65.14	64.97	-13.63
Net Income to Common Margin (%)	- -	39.14	2.87	-16.84	-269.98	6.56	-180.3	16.38	44.07	35.2	25.59	49.48	51.37	-37.15
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.73	0.11	0.03	0.08	- -
Dvd Payout Ratio (%)	- -	322.52	4,275.19	-647.05	-214.35	1,004.62	-57.24	134.52	90.56	121.12	227.31	87.2	87.56	-244.66
Sustainable Growth Rate (%)	- -	-109.29	-181.46	-241.47	- -	- -	- -	- -	11.58	-9.56	-24.43	4.81	3.76	-37.3

Credit (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	2,103	1,794	1,339	1,224	523	545	503	874	876	1,193	876	813
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	2,103	1,794	1,339	1,224	523	545	503	874	876	1,193	876	813
Total Debt/EBITDA	- -	- -	634.5	3,983.34	-167.64	- -	- -	- -	- -	- -	- -	- -	- -	1,043.16
Net Debt/EBITDA	- -	-10.25	624.76	3,925.31	-164.19	- -	- -	- -	- -	- -	- -	- -	- -	1,013.5
Total Debt/EBIT	- -	- -	634.5	3,983.34	-167.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-10.25	624.76	3,925.31	-164.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.98	1.54	0.39	0.3	-0.13	0.07	-0.53	0.4	1.79	2.06	2.82	3.31	6.25	5.58
Long-Term Debt/Equity (%)	- -	- -	988.08	1,010.97	940.17	839.3	348.33	501.92	442.04	515.79	360.61	495.63	368.16	371.04
Long-Term Debt/Capital (%)	- -	- -	97.74	97.57	97.51	96.91	93.96	99.5	97.82	91.71	90.77	91.9	87.26	86.66
Long-Term Debt/Total Assets (%)	- -	- -	71.95	71.82	58.25	46.84	77.02	82.89	80.87	83.29	77.69	82.48	77.61	66.85
Total Debt/Equity (%)	- -	- -	988.08	1,010.97	940.17	839.3	348.33	501.92	442.04	515.79	360.61	495.63	368.16	371.04
Total Debt/Capital (%)	- -	- -	97.74	97.57	97.51	96.91	93.96	99.5	97.82	91.71	90.77	91.9	87.26	86.66
Total Debt/Total Assets (%)	- -	- -	71.95	71.82	58.25	46.84	77.02	82.89	80.87	83.29	77.69	82.48	77.61	66.85
Net Debt to Equity	-11.18	-29.02	972.91	996.24	920.84	815.74	343.09	491.85	432.04	507.09	342.56	474.34	339.09	360.49
Net Debt/Capital (%)	-294.09	480.37	97.7	97.54	97.46	96.82	93.87	99.49	97.77	91.58	90.33	91.56	86.31	86.32
EBITDA	- -	3	3	- -	-8	- -	- -	- -	- -	- -	- -	- -	- -	1
EBITDA-CapEx	- -	3	3	-4	-8	- -	- -	- -	- -	- -	- -	- -	- -	1
Operating Income (Loss)	- -	3	3	- -	-8	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.98	1.54	0.39	0.3	-0.13	0.07	-0.53	0.4	1.79	2.06	2.82	3.31	6.25	5.58
Long-Term Debt/Equity (%)	- -	- -	988.08	1,010.97	940.17	839.3	348.33	501.92	442.04	515.79	360.61	495.63	368.16	371.04
Long-Term Debt/Capital (%)	- -	- -	97.74	97.57	97.51	96.91	93.96	99.5	97.82	91.71	90.77	91.9	87.26	86.66
Long-Term Debt/Total Assets (%)	- -	- -	71.95	71.82	58.25	46.84	77.02	82.89	80.87	83.29	77.69	82.48	77.61	66.85
Total Debt/Equity (%)	- -	- -	988.08	1,010.97	940.17	839.3	348.33	501.92	442.04	515.79	360.61	495.63	368.16	371.04
Total Debt/Capital (%)	- -	- -	97.74	97.57	97.51	96.91	93.96	99.5	97.82	91.71	90.77	91.9	87.26	86.66
Total Debt/Total Assets (%)	- -	- -	71.95	71.82	58.25	46.84	77.02	82.89	80.87	83.29	77.69	82.48	77.61	66.85
CFO/Total Liabilities	- -	3.22	0.77	0.09	0.11	0.17	2.32	1.33	2.41	1.57	1.84	2.05	3.05	1.01
CFO/CapEx	- -	- -	- -	0.42	- -	388.44	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.07	0.15	0.05	0.03	0.01	0.03	0.08	0.12	0.16	0.11	0.12	0.13	0.21	0.14

Working Capital (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	13.17	2.47	1.86	0.64	2.19	0.88	6.82	8.78	7.03	4.1	4.21	4.8	3.54
Days Sales Outstanding	- -	27.72	147.59	196.21	574.74	166.51	412.52	53.55	41.55	51.92	89.09	86.75	76.09	103.03
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	67	139	84	76	84	70	80	85	96	92	122	135	74
- Cash & Cash Equivalents	4	33	32	26	28	34	8	11	11	15	44	51	69	23
+ Preferred Equity and Hybrid Capital	- -	18	37	37	37	37	37	- -	- -	57	57	57	57	57
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	2,103	1,794	1,339	1,224	523	545	503	874	876	1,193	876	813
Enterprise Value	-85	-393	1,878	1,318	554	19	623	614	576	1,012	982	1,321	999	921
Total Capital	5	26	2,151	1,839	1,374	1,263	557	548	514	953	965	1,299	1,004	938
Total Debt/Capital (%)	- -	- -	97.74	97.57	97.51	96.91	93.96	99.5	97.82	91.71	90.77	91.9	87.26	86.66
Total Debt / EV	- -	- -	1.12	1.36	2.42	63.37	0.84	0.89	0.87	0.86	0.89	0.9	0.88	0.88
EV/Sales	- -	- -	126.51	72.24	107.24	1.07	124.83	37.76	30.12	48.04	49.02	43.65	28.65	45.71
EV/EBITDA	- -	- -	566.87	2,925.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,181.81
EV/EBIT	- -	- -	566.87	2,925.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	90.55	638.66	236.68	4.56	50.77	84.36	47.18	73.09	60.26	53.41	36.82	91.2
EV/Free Cash Flow to Firm	- -	- -	90.55	188.16	236.68	4.54	50.77	84.36	47.18	73.09	60.26	53.41	36.82	91.2
Diluted Market Cap	- -	67	139	84	76	84	70	80	85	96	92	122	135	74
Diluted Enterprise Value	-4	52	2,247	1,889	1,425	1,310	623	614	576	1,012	982	1,321	999	921
EV per Share	- -	- -	145.62	85.77	36.26	0.92	25.28	24.85	22.15	40.58	20.31	25.3	19.11	17.59
TTM Sales	- -	8	15	18	5	18	5	16	19	21	20	30	35	20
TTM EBITDA	- -	3	3	- -	-8	- -	- -	- -	- -	- -	- -	- -	- -	1
TTM Operating Income	- -	3	3	- -	-8	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	13	21	2	2	4	12	7	12	14	16	25	27	10
TTM Free Cash Flow to Firm	- -	13	21	7	2	4	12	7	12	14	16	25	27	10

Multiples (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	5	6.72	11.98	32.45	19.7	5.74	10.97	6.96	6.92	5.64	4.92	4.97	7.31
EV/EBIT	- -	- -	566.87	2,925.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-85	-393	1,878	1,318	554	19	623	614	576	1,012	982	1,321	999	921
Low Price	- -	9.25	10.26	4.8	3.82	3.8	2.55	2.84	0.86	2.96	1.84	1.53	2.16	1.39
EV/Sales	- -	- -	126.51	72.24	107.24	1.07	124.83	37.76	30.12	48.04	49.02	43.65	28.65	45.71
EV/EBITDA	- -	- -	566.87	2,925.46	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,181.81
Price/Earnings	- -	20.96	326.66	- -	- -	70.64	- -	29.98	10.09	12.92	17.92	8.13	7.53	- -
Price/Earnings Average	- -	24.9	341.41	-42.96	-5.92	84.3	-9.15	31.19	8.03	12.75	24.19	7.08	7.21	-15.65
Price/Earnings High	- -	31.61	372.03	-56.03	-6.89	99.07	-11.01	33.78	11.76	15.07	37.36	8.55	8.14	-19.86
Price/Earnings Low	- -	18.61	310.33	-24.01	-4.19	67.11	-6.98	26.36	2.65	9.96	17.36	5.34	6.3	-9.72
Price/Book Value	- -	8.22	12.11	11.19	-26.2	45.14	-19.57	30.17	7.66	4.43	2.89	2.54	1.91	1.09
Price/Book Value Average	- -	9.76	12.65	17.6	-28.48	53.87	-22.86	31.39	6.1	4.37	3.9	2.21	1.83	1.73
Price/Book Value High	- -	12.39	13.79	22.95	-33.16	63.31	-27.51	34	8.93	5.16	6.02	2.67	2.07	2.19
Price/Book Value Low	- -	7.29	11.5	9.84	-20.14	42.89	-17.45	26.53	2.01	3.41	2.8	1.67	1.6	1.07
Price/Tangible Book Value	- -	0.7	0.79	0.62	0.75	0.79	0.65	0.75	0.75	0.86	0.5	0.67	0.75	0.46
Price/Tangible Book Value Average	- -	0.83	0.83	0.97	0.81	0.95	0.76	0.78	0.6	0.85	0.67	0.58	0.72	0.73
Price/Tangible Book Value High	- -	1.05	0.9	1.26	0.94	1.11	0.91	0.85	0.88	1	1.03	0.7	0.81	0.92
Price/Tangible Book Value Low	- -	0.62	0.75	0.54	0.57	0.75	0.58	0.66	0.2	0.66	0.48	0.44	0.63	0.45
Price/Sales	- -	8.21	9.38	4.6	14.7	4.64	14.12	4.91	4.45	4.55	4.59	4.02	3.87	3.66
Price/Sales Average	- -	9.75	9.81	7.23	15.98	5.53	16.5	5.11	3.54	4.49	6.19	3.5	3.7	5.81
Price/Sales High	- -	12.37	10.69	9.43	18.61	6.5	19.85	5.53	5.18	5.3	9.56	4.23	4.18	7.38
Price/Sales Low	- -	7.28	8.91	4.04	11.3	4.4	12.59	4.32	1.17	3.5	4.44	2.64	3.24	3.61
Price/Cash Flow	- -	5	6.72	40.66	32.45	19.75	5.74	10.97	6.96	6.92	5.64	4.92	4.97	7.31
Price/Cash Flow Average	- -	5.94	7.02	63.95	35.27	23.57	6.71	11.41	5.54	6.83	7.61	4.28	4.76	11.6
Price/Cash Flow High	- -	7.55	7.65	83.4	41.06	27.7	8.07	12.36	8.12	8.07	11.75	5.17	5.38	14.72
Price/Cash Flow Low	- -	4.44	6.38	35.74	24.94	18.76	5.12	9.64	1.83	5.33	5.46	3.23	4.16	7.2
Price/Free Cash Flow Average	- -	5.94	7.02	18.84	35.27	23.51	6.71	11.41	5.54	6.83	7.61	4.28	4.76	11.6
Price/Free Cash Flow High	- -	7.55	7.65	24.57	41.06	27.63	8.07	12.36	8.12	8.07	11.75	5.17	5.38	14.72
Price/Free Cash Flow Low	- -	4.44	6.38	10.53	24.94	18.72	5.12	9.64	1.83	5.33	5.46	3.23	4.16	7.2
EV/Sales Average	- -	7.9	151.74	106.2	277.1	73.47	127.2	37.96	29.21	47.98	50.62	43.14	28.49	47.86
EV/Sales High	- -	10.53	152.62	108.4	279.72	74.44	130.55	38.39	30.85	48.8	53.99	43.86	28.97	49.43
EV/Sales Low	- -	5.44	150.85	103.01	272.42	72.34	123.29	37.17	26.84	47	48.88	42.27	28.02	45.66
EV/EBITDA Average	- -	19.91	679.92	4,300.73	-179.18	- -	- -	- -	- -	- -	- -	- -	- -	1,237.41
EV/EBITDA High	- -	26.52	683.86	4,389.82	-180.87	- -	- -	- -	- -	- -	- -	- -	- -	1,277.87
EV/EBITDA Low	- -	13.7	675.92	4,171.52	-176.15	- -	- -	- -	- -	- -	- -	- -	- -	1,180.47
EV/EBIT Average	- -	19.91	679.92	4,300.73	-179.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	26.52	683.86	4,389.82	-180.87	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	13.7	675.92	4,171.52	-176.15	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	10.42	10.8	5.46	4.97	4	2.86	3.23	3.27	3.84	1.9	2.33	2.58	1.41
High Price	- -	15.71	12.3	11.2	6.29	5.61	4.02	3.64	3.81	4.48	3.96	2.45	2.79	2.84
Enterprise Value Average	-4	64	2,253	1,937	1,432	1,326	635	618	559	1,011	1,014	1,306	993	964
Enterprise Value High	-4	86	2,266	1,978	1,445	1,344	652	624	590	1,028	1,081	1,327	1,010	996
Enterprise Value Low	-4	44	2,240	1,879	1,407	1,306	615	605	514	990	979	1,279	977	920

Shares Outstanding	8	8	15	15	18	23	25	25	26	26	52	52	52	52
Diluted Weighted Avg Shares	- -	6	13	15	15	21	25	25	26	25	48	52	52	52
Basic Weighted Avg Shares	- -	6	13	15	15	21	25	25	26	25	48	52	52	52
Revenue per Share	- -	1.27	1.15	1.19	0.34	0.86	0.2	0.66	0.74	0.84	0.41	0.58	0.67	0.38
EBITDA per Share	- -	0.5	0.26	0.03	-0.52	- -	- -	- -	- -	- -	- -	- -	- -	0.01
Operating Income per Share	- -	0.5	0.26	0.03	-0.52	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	0.5	0.03	-0.2	-0.91	0.06	-0.37	0.11	0.32	0.3	0.11	0.29	0.34	-0.14
Basic EPS from Cont Ops	- -	0.5	0.26	0.03	-0.68	0.22	-0.22	0.25	0.32	0.42	0.2	0.38	0.43	-0.05
Diluted EPS, GAAP	- -	0.5	0.03	-0.2	-0.91	0.06	-0.37	0.11	0.32	0.3	0.11	0.29	0.34	-0.14
Diluted EPS from Cont Ops	- -	0.5	0.26	0.03	-0.68	0.22	-0.22	0.25	0.32	0.42	0.2	0.38	0.43	-0.05
Dividend per Share	- -	1.61	1.64	1.52	2.19	0.74	0.35	0.29	0.29	0.48	0.34	0.34	0.39	0.44
Cash Flow per Share	- -	2.08	1.61	0.13	0.15	0.2	0.5	0.29	0.47	0.56	0.34	0.47	0.52	0.19
Free Cash Flow per Basic Share	- -	2.08	1.61	-0.19	0.15	0.2	0.5	0.29	0.47	0.56	0.34	0.47	0.52	0.19
Cash & Equivalents per Share	- -	74.68	31.05	38.89	58.79	63.33	0.32	0.44	0.44	0.59	0.91	0.98	1.32	0.44
Book Value per Share	- -	1.27	0.89	0.49	-0.19	0.09	-0.15	0.11	0.43	0.87	0.66	0.92	1.35	1.3
Tangible Book Value per Share	- -	14.98	13.62	8.86	6.67	5.05	4.42	4.28	4.33	4.47	3.83	3.5	3.44	3.08

Lument Finance Trust, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)