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 7, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Debt / Equity Ratio	0.73	1.05	2.75
Debt / EBITDA Ratio	2.81	3.26	5.00
Debt / FCF Ratio	23.24	5.72	-
Asset Turnover	-	0.86	-
Inventory Turnover	-	3.34	-
Quick Ratio	0.46	0.31	0.31
Current Ratio	1.15	0.86	0.76
Return on Equity (ROE)	-	-10.08%	-
Return on Assets (ROA)	-	4.40%	-
Return on Capital (ROIC)	-	5.26%	-
Return on Capital Employed (ROCE)	10.60%	12.10%	8.50%
Buyback Yield / Dilution	-	-28.50%	-

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