Heartland Financial USA Cash Flow Statement

Financials in millions INR. Fiscal year is July - June.

Millions INR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2025	FY 2024	FY 2023	2016 - 2020
Period Ending	Mar '25 Mar 31, 2025	Jun '25 Jun 30, 2025	Mar '25 Mar 31, 2025	Jun '24 Jun 30, 2024	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	2016 - 2020
Net Income	20,818	-	20,818	-	17,712	11,805	Upgrade
Depreciation & Amortization	1,680	-	1,680	-	2,176	1,577	Upgrade
Gain (Loss) on Sale of Investments	1,215	-	1,215	-	458.56	-125.28	Upgrade
Provision for Credit Losses	238.99	-	238.99	-	-1,124	1,342	Upgrade
Change in Other Net Operating Assets	-138,521	-	-138,521	-	-159,538	-94,854	Upgrade
Other Operating Activities	3,912	-	3,912	-	4,415	2,940	Upgrade
Operating Cash Flow	-110,656	-	-110,656	-	-135,900	-77,315	Upgrade
Capital Expenditures	-1,021	-	-1,021	-	-1,857	-1,235	Upgrade
Cash Acquisitions	-	-	-	-	-715.68	-	Upgrade
Investing Cash Flow	-1,021	-	-1,021	-	-2,573	-1,235	Upgrade
Long-Term Debt Issued	-	-	-	-	-	5,210	Upgrade
Long-Term Debt Repaid	-5,000	-	-5,000	-	-	-	Upgrade
Net Debt Issued (Repaid)	-5,000	-	-5,000	-	-	5,210	Upgrade
Issuance of Common Stock	0.45	-	0.45	-	7,440	4,318	Upgrade
Common Dividends Paid	-2,368	-	-2,368	-	-515.74	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	137,888	-	137,888	-	127,375	73,244	Upgrade
Other Financing Activities	-2,977	-	-2,977	-	-2,850	-3,152	Upgrade
Financing Cash Flow	127,544	-	127,544	-	131,449	79,620	Upgrade
Net Cash Flow	15,867	-	15,867	-	-7,024	1,070	Upgrade
Free Cash Flow	-111,677	-	-111,677	-	-137,757	-78,551	Upgrade
Free Cash Flow Margin	-160.67%	-	-160.67%	-	-223.97%	-144.49%	Upgrade
Free Cash Flow Per Share	-101.42	-	-101.42	-	-130.94	-81.52	Upgrade
Cash Interest Paid	2,977	-	2,977	-	2,850	2,217	Upgrade
Cash Income Tax Paid	7,310	-	7,310	-	4,664	4,551	Upgrade

Updated Jan 20, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.