Heartland Financial USA Ratios and Metrics

Market cap in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '25 Aug 7, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Market Capitalization	252,385	297,962	170,528	81,683	-	-
Market Cap Growth	29.68%	74.73%	108.77%	-	-	-
Enterprise Value	296,864	341,742	209,922	130,128	-	-
Last Close Price	189.70	224.35	128.72	66.74	-	-
PE Ratio	257.35	326.96	956.95	-	-	-
PS Ratio	2.76	3.26	2.09	1.15	-	-
PB Ratio	3.11	3.67	2.15	1.21	-	-
P/TBV Ratio	9.55	11.28	6.97	3.51	-	-
P/FCF Ratio	-	130.73	58.30	-	-	-
P/OCF Ratio	-	33.39	16.98	16.88	-	-
EV/Sales Ratio	3.25	3.73	2.57	1.84	-	-
EV/EBITDA Ratio	21.42	24.92	18.43	22.58	-	-
EV/EBIT Ratio	50.20	54.01	45.62	-	-	-
EV/FCF Ratio	-	149.94	71.77	-	-	-
Debt / Equity Ratio	0.60	0.60	0.60	0.83	0.62	0.54
Debt / EBITDA Ratio	3.69	3.44	4.00	9.21	3.63	2.30
Debt / FCF Ratio	-	21.31	16.10	-	-	-
Asset Turnover	-	0.59	0.55	0.52	0.57	-
Inventory Turnover	-	1.58	1.69	1.94	1.87	-
Quick Ratio	-	0.75	0.61	0.64	0.69	0.82
Current Ratio	-	1.54	1.25	1.26	1.34	1.47
Return on Equity (ROE)	-	1.14%	0.24%	-2.77%	6.11%	-
Return on Assets (ROA)	-	2.55%	1.93%	-0.20%	2.96%	-
Return on Capital (ROIC)	2.55%	3.09%	2.30%	-0.24%	3.60%	-
Return on Capital Employed (ROCE)	-	5.30%	4.20%	-	5.70%	10.50%
Earnings Yield	0.39%	0.31%	0.10%	-2.28%	-	-
FCF Yield	-	0.77%	1.71%	-5.89%	-	-
Dividend Yield	0.07%	0.06%	0.08%	-	-	-
Payout Ratio	-	15.88%	-	-	13.30%	-
Buyback Yield / Dilution	-1.48%	-3.67%	-7.85%	-0.95%	-87.83%	-
Total Shareholder Return	-1.41%	-3.61%	-7.76%	-0.95%	-87.83%	-

Updated Jan 28, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.