Heartland Financial USA Ratios and Metrics

Market cap in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug '25 Aug 7, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	10,048	9,524	8,563	12,600	-	-
Market Cap Growth	20.00%	11.22%	-32.04%	-	-	-
Enterprise Value	8,438	9,058	7,982	12,543	-	-
Last Close Price	2.11	2.00	3.33	4.90	-	-
PE Ratio	25.89	41.61	36.84	62.29	-	-
PS Ratio	6.58	7.83	7.38	15.98	-	-
PB Ratio	1.45	1.38	6.51	11.65	-	-
P/TBV Ratio	2.33	2.25	6.52	11.66	-	-
P/FCF Ratio	8.03	7.90	-	127.61	-	-
P/OCF Ratio	5.21	5.87	63.94	116.45	-	-
EV/Sales Ratio	5.53	7.45	6.88	15.91	-	-
EV/EBITDA Ratio	16.83	29.23	36.69	59.31	-	-
EV/EBIT Ratio	41.34	55.59	39.03	62.59	-	-
EV/FCF Ratio	6.74	7.51	-	127.03	-	-
Debt / Equity Ratio	0.22	0.36	0.00	0.06	0.21	-
Debt / EBITDA Ratio	3.01	7.78	0.01	0.28	0.52	-
Debt / FCF Ratio	1.22	2.03	-	0.60	-	-
Asset Turnover	0.20	0.15	0.67	0.80	1.04	-
Inventory Turnover	-	-	-	-	364.06	-
Quick Ratio	2.50	2.02	2.67	3.57	1.89	1.25
Current Ratio	2.58	2.08	2.70	3.63	2.10	1.26
Return on Equity (ROE)	7.29%	5.63%	19.39%	30.26%	55.40%	-
Return on Assets (ROA)	1.73%	1.26%	7.36%	12.74%	17.11%	-
Return on Capital (ROIC)	2.66%	1.91%	10.40%	17.28%	30.03%	-
Return on Capital Employed (ROCE)	1.90%	1.40%	15.40%	18.40%	37.20%	75.20%
Earnings Yield	2.97%	2.40%	2.71%	1.60%	-	-
FCF Yield	12.45%	12.66%	-0.91%	0.78%	-	-
Buyback Yield / Dilution	-42.59%	-21.30%	-22.71%	-4.78%	-900.00%	-

Source: S&P Global Market Intelligence. Standard template. Financial Sources.