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	FY 2021	FY 2020
Period Ending	Aug '25 Aug 8, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	339,309	200,281	-	-	-	-
Enterprise Value	309,016	193,494	-	-	-	-
Last Close Price	25600.00	15350.00	-	-	-	-
PS Ratio	63.04	33.73	-	-	-	-
PB Ratio	8.60	4.77	-	-	-	-
P/TBV Ratio	8.72	4.84	-	-	-	-
EV/Sales Ratio	57.41	32.58	-	-	-	-
Debt / Equity Ratio	0.03	0.00	0.06	-0.51	-0.04	-0.03
Asset Turnover	-	0.19	0.17	0.07	0.08	-
Inventory Turnover	-	1.01	0.62	0.49	1.17	-
Quick Ratio	23.70	28.03	7.53	0.71	0.40	0.26
Current Ratio	26.19	30.16	8.98	0.82	0.42	0.27
Return on Equity (ROE)	-30.33%	-27.82%	-309.56%	-	-	-
Return on Assets (ROA)	-	-17.31%	-18.75%	-14.47%	-18.48%	-
Return on Capital (ROIC)	-19.39%	-18.02%	-47.76%	-	-	-
Earnings Yield	-2.55%	-4.15%	-	-	-	-
FCF Yield	-2.47%	-3.58%	-	-	-	-
Buyback Yield / Dilution	-170.67%	-141.13%	56.31%	-374.99%	-	-

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