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	2020 - 2021
Period Ending	Aug '25 Aug 6, 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	2020 - 2021
Market Capitalization	119,239	85,811	90,133	-	-	-	Upgrade
Market Cap Growth	-28.13%	-4.79%	-	-	-	-	Upgrade
Enterprise Value	117,524	84,742	88,312	-	-	-	Upgrade
Last Close Price	2102.50	1513.60	1609.33	-	-	-	Upgrade
PE Ratio	91.92	74.96	118.75	-	-	-	Upgrade
PS Ratio	9.17	7.47	12.45	-	-	-	Upgrade
PB Ratio	22.48	16.18	21.32	-	-	-	Upgrade
P/TBV Ratio	22.61	16.27	21.41	-	-	-	Upgrade
P/OCF Ratio	-	-	490.73	-	-	-	Upgrade
EV/Sales Ratio	9.03	7.38	12.20	-	-	-	Upgrade
EV/EBITDA Ratio	63.38	53.74	87.84	-	-	-	Upgrade
EV/EBIT Ratio	67.99	57.00	91.62	-	-	-	Upgrade
Debt / Equity Ratio	0.02	0.02	0.02	0.38	0.78	1.40	Upgrade
Debt / EBITDA Ratio	0.04	0.05	0.09	0.51	1.00	2.12	Upgrade
Debt / FCF Ratio	-	-	-	2.57	-	-	Upgrade
Asset Turnover	-	1.53	1.65	2.15	1.91	1.78	Upgrade
Inventory Turnover	-	5.23	6.47	7.05	5.54	5.25	Upgrade
Quick Ratio	-	1.53	1.61	1.04	0.92	0.82	Upgrade
Current Ratio	-	2.33	3.13	1.51	1.54	1.40	Upgrade
Return on Equity (ROE)	-	24.02%	29.40%	68.01%	67.85%	46.41%	Upgrade
Return on Assets (ROA)	-	12.34%	13.72%	20.01%	15.92%	10.05%	Upgrade
Return on Capital (ROIC)	22.26%	19.15%	21.46%	39.86%	31.40%	19.90%	Upgrade
Return on Capital Employed (ROCE)	-	27.50%	22.20%	61.10%	54.20%	33.70%	Upgrade
Earnings Yield	1.09%	1.33%	0.84%	-	-	-	Upgrade
FCF Yield	-	-0.45%	-0.01%	-	-	-	Upgrade
Dividend Yield	0.12%	0.17%	0.12%	-	-	-	Upgrade
Payout Ratio	-	9.85%	3.35%	-	-	-	Upgrade
Buyback Yield / Dilution	-1.22%	-3.44%	-5.67%	-1.61%	-	-	Upgrade
Total Shareholder Return	-1.10%	-3.28%	-5.55%	-1.61%	-	-	Upgrade

Updated Jan 18, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.