Heartland Financial USA Ratios and Metrics

Market cap in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2017 - 2021
Period Ending	Aug '25 Aug 1, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2017 - 2021
Market Capitalization	1,019,336	793,889	447,421	170,420	255,693	215,075	Upgrade
Market Cap Growth	26.50%	77.44%	162.54%	-33.35%	18.88%	419.26%	Upgrade
Enterprise Value	1,028,002	802,875	452,335	173,903	257,191	215,924	Upgrade
Last Close Price	16848.00	13179.50	7476.58	2858.51	4302.36	3665.80	Upgrade
PE Ratio	73.59	72.47	121.66	66.69	134.46	134.59	Upgrade
Forward PE	91.67	80.08	73.48	45.92	80.70	76.08	Upgrade
PS Ratio	2.26	2.04	2.53	1.40	2.39	3.34	Upgrade
PB Ratio	29.38	22.88	25.98	13.27	25.64	29.17	Upgrade
P/TBV Ratio	34.98	27.25	27.45	13.83	26.99	29.66	Upgrade
P/FCF Ratio	-	377.32	-	64.42	-	11086.36	Upgrade
P/OCF Ratio	-	69.05	76.57	23.48	93.74	126.43	Upgrade
PEG Ratio	2.00	1.36	1.71	1.18	1.54	1.50	Upgrade
EV/Sales Ratio	2.28	2.07	2.56	1.43	2.40	3.35	Upgrade
EV/EBITDA Ratio	58.44	53.26	68.10	35.17	71.07	77.25	Upgrade
EV/EBIT Ratio	71.41	65.46	84.25	43.09	87.12	87.81	Upgrade
EV/FCF Ratio	-	381.59	-	65.74	-	11130.10	Upgrade
Debt / Equity Ratio	0.19	0.19	0.28	0.35	0.67	0.40	Upgrade
Debt / EBITDA Ratio	0.39	0.45	0.70	0.88	1.76	1.02	Upgrade
Debt / FCF Ratio	-	3.19	-	1.71	-	151.82	Upgrade
Asset Turnover	-	3.27	3.03	2.72	3.00	2.84	Upgrade
Inventory Turnover	-	12.60	12.10	10.44	10.31	9.31	Upgrade
Quick Ratio	-	0.57	0.60	0.70	0.67	0.67	Upgrade
Current Ratio	-	1.04	1.02	1.07	1.15	1.17	Upgrade
Return on Equity (ROE)	-	47.48%	24.94%	22.36%	21.95%	25.00%	Upgrade
Return on Assets (ROA)	-	6.45%	5.75%	5.63%	5.18%	6.77%	Upgrade
Return on Capital (ROIC)	28.00%	24.14%	16.99%	14.83%	13.69%	17.54%	Upgrade
Return on Capital Employed (ROCE)	-	29.40%	23.80%	23.20%	19.20%	25.20%	Upgrade
Earnings Yield	1.16%	1.38%	0.82%	1.50%	0.74%	0.74%	Upgrade
FCF Yield	-	0.27%	0.00%	1.55%	-0.58%	0.01%	Upgrade
Dividend Yield	0.05%	0.06%	0.07%	0.10%	0.05%	0.03%	Upgrade
Payout Ratio	-	3.00%	4.86%	4.64%	3.08%	-	Upgrade
Buyback Yield / Dilution	10.60%	9.90%	-0.28%	-0.64%	-0.01%	-1.36%	Upgrade
Total Shareholder Return	10.64%	9.96%	-0.22%	-0.53%	0.04%	-1.34%	Upgrade

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