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	FY 2022
Period Ending	Aug '25 Aug 6, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Market Capitalization	156,631	110,113	177,410	228,662
Market Cap Growth	-23.53%	-37.93%	-22.41%	-
Enterprise Value	249,355	187,521	106,957	-
Last Close Price	18250.00	12830.00	20250.00	26100.00
PE Ratio	109.06	131.94	-	101.28
PS Ratio	3.92	3.04	5.81	4.51
PB Ratio	0.94	0.66	1.68	2.15
P/TBV Ratio	0.98	0.69	1.74	2.19
P/OCF Ratio	9.95	12.36	-	-
EV/Sales Ratio	6.25	5.18	3.51	-
EV/EBITDA Ratio	40.95	40.63	-	-
EV/EBIT Ratio	66.91	77.77	-	-
Debt / Equity Ratio	0.73	0.71	0.09	0.06
Debt / EBITDA Ratio	19.74	25.58	-	2.44
Asset Turnover	0.15	0.17	0.24	-
Inventory Turnover	2.08	1.86	2.35	-
Quick Ratio	0.98	0.86	4.49	4.76
Current Ratio	2.07	2.11	8.36	6.09
Return on Equity (ROE)	0.88%	0.46%	-2.29%	-
Return on Assets (ROA)	0.85%	0.69%	-2.61%	-
Return on Capital (ROIC)	0.95%	0.76%	-2.90%	-
Return on Capital Employed (ROCE)	1.40%	0.90%	-	1.20%
Earnings Yield	0.92%	0.76%	-1.34%	0.99%
FCF Yield	8.91%	-2.36%	-14.68%	-6.65%
Buyback Yield / Dilution	0.02%	0.03%	-10.93%	-

Updated Nov 14, 2024. Source: S&P Global Market Intelligence. Standard template. Financial Sources.