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	2016 - 2020
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	2016 - 2020
Market Capitalization	25,747	14,119	46,573	39,710	-	-	Upgrade
Market Cap Growth	-69.69%	-69.69%	17.28%	-	-	-	Upgrade
PE Ratio	-	-	9.22	10.26	-	-	Upgrade
PS Ratio	-7.49	-4.11	3.75	4.23	-	-	Upgrade
PB Ratio	1.57	0.86	1.64	1.71	-	-	Upgrade
P/FCF Ratio	1.79	0.98	-	-	-	-	Upgrade
P/OCF Ratio	1.78	0.98	-	-	-	-	Upgrade
Debt / Equity Ratio	3.90	3.90	3.03	2.92	4.33	3.56	Upgrade
Debt / FCF Ratio	4.45	4.45	-	-	-	-	Upgrade
Quick Ratio	1.65	1.65	2.07	2.11	1.99	2.21	Upgrade
Current Ratio	1.67	1.67	2.08	2.15	2.02	2.25	Upgrade
Asset Turnover	-	-	0.12	0.11	0.05	0.06	Upgrade
Return on Equity (ROE)	-54.53%	-54.53%	19.55%	21.16%	1.68%	3.59%	Upgrade
Return on Assets (ROA)	-12.20%	-12.20%	4.78%	4.65%	0.33%	0.87%	Upgrade
Earnings Yield	-47.56%	-86.73%	10.85%	9.75%	-	-	Upgrade
Earnings Yield	-47.56%	-86.73%	10.85%	9.75%	-	-	Upgrade
FCF Yield	55.98%	102.08%	-29.35%	-42.07%	-	-	Upgrade
Buyback Yield / Dilution	-9.01%	-9.01%	-12.33%	-8.91%	-3.05%	-18.63%	Upgrade

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