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 7, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Market Capitalization	34,531	44,742	12,621	12,110
Market Cap Growth	123.50%	254.50%	4.22%	-
Enterprise Value	36,159	52,509	27,412	-
Last Close Price	3145.00	4040.00	6391.35	6132.65
PE Ratio	-	-	7.14	-
PS Ratio	1.94	2.78	0.45	0.48
PB Ratio	1.55	1.97	0.95	1.71
P/TBV Ratio	1.58	1.99	0.98	-
P/OCF Ratio	-	40.28	20.81	-
EV/Sales Ratio	2.03	3.26	0.99	-
EV/EBITDA Ratio	227.51	-	10.74	-
EV/EBIT Ratio	-	-	12.20	-
Debt / Equity Ratio	0.30	0.31	0.66	1.30
Debt / EBITDA Ratio	41.50	-	3.44	4.49
Asset Turnover	-	0.55	1.07	-
Inventory Turnover	-	1.56	2.49	-
Quick Ratio	2.33	2.33	0.93	0.54
Current Ratio	4.01	3.62	1.52	1.15
Return on Equity (ROE)	-18.49%	-19.60%	17.37%	-
Return on Assets (ROA)	-	-1.43%	5.39%	-
Return on Capital (ROIC)	-0.56%	-1.62%	7.31%	-
Return on Capital Employed (ROCE)	-	-	16.40%	19.60%
Earnings Yield	-9.66%	-7.93%	14.00%	-3.72%
FCF Yield	-15.13%	-6.56%	-3.43%	-16.07%
Buyback Yield / Dilution	-13.93%	-18.86%	-28.47%	-

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