Heartland Financial USA Ratios and Metrics

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

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023
Period Ending	Aug '25 Aug 8, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Market Capitalization	45,444	52,036	79,558
Market Cap Growth	-51.01%	-34.59%	-
Enterprise Value	42,629	43,302	-
Last Close Price	6390.00	7090.00	10840.00
PE Ratio	51.60	-	77.47
PS Ratio	0.53	0.60	0.95
PB Ratio	1.35	1.40	2.03
P/TBV Ratio	1.58	1.62	2.20
P/FCF Ratio	13.61	10.25	55.16
P/OCF Ratio	13.97	9.68	19.19
EV/Sales Ratio	0.50	0.50	-
EV/EBITDA Ratio	12.60	49.38	-
EV/FCF Ratio	12.76	8.53	-
Debt / Equity Ratio	0.62	0.19	0.06
Debt / EBITDA Ratio	6.20	8.05	0.83
Debt / FCF Ratio	6.28	1.39	1.63
Asset Turnover	1.49	1.48	-
Inventory Turnover	6.45	7.46	-
Quick Ratio	0.98	1.23	1.81
Current Ratio	1.47	1.70	2.63
Return on Equity (ROE)	2.63%	-4.04%	-
Return on Assets (ROA)	0.56%	-2.04%	-
Return on Capital (ROIC)	0.70%	-2.79%	-
Return on Capital Employed (ROCE)	1.40%	-	1.50%
Earnings Yield	1.94%	-2.97%	1.29%
FCF Yield	7.35%	9.76%	1.81%
Buyback Yield / Dilution	-0.03%	0.00%	-

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