Heartland Financial USA Ratios and Metrics

Market cap in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Aug '25 Aug 12, 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	2016 - 2020
Market Capitalization	2,675	2,446	2,220	2,275	3,104	2,341	Upgrade
Market Cap Growth	26.32%	10.18%	-2.39%	-26.71%	32.56%	16.57%	Upgrade
Enterprise Value	3,553	3,207	2,996	2,979	3,877	3,096	Upgrade
Last Close Price	4.02	3.66	3.39	3.35	4.47	3.26	Upgrade
PE Ratio	31.97	25.77	22.10	55.30	9.35	26.84	Upgrade
PS Ratio	17.70	16.84	15.06	17.50	25.71	19.37	Upgrade
PB Ratio	1.68	-	1.57	1.61	2.16	1.98	Upgrade
P/OCF Ratio	-	-	20.43	24.04	34.54	25.93	Upgrade
EV/Sales Ratio	23.51	22.07	20.31	22.92	32.12	25.61	Upgrade
EV/EBIT Ratio	28.92	27.06	24.64	28.43	40.81	32.20	Upgrade
Debt / Equity Ratio	0.58	-	0.59	0.60	0.58	0.67	Upgrade
Debt / EBITDA Ratio	-	-	-	-	8.71	8.28	Upgrade
Asset Turnover	0.06	-	0.06	0.06	0.06	0.06	Upgrade
Quick Ratio	0.93	-	0.39	0.67	0.31	0.21	Upgrade
Current Ratio	1.49	-	0.74	0.92	0.33	0.37	Upgrade
Return on Equity (ROE)	5.54%	-	7.11%	2.89%	25.35%	7.38%	Upgrade
Return on Assets (ROA)	3.11%	-	3.25%	2.79%	2.69%	2.95%	Upgrade
Return on Capital (ROIC)	3.22%	-	3.37%	2.90%	2.80%	3.08%	Upgrade
Earnings Yield	3.13%	3.88%	4.52%	1.81%	10.69%	3.72%	Upgrade
Dividend Yield	3.64%	4.08%	4.36%	4.30%	3.15%	4.23%	Upgrade
Payout Ratio	-	-	87.98%	156.34%	25.67%	94.05%	Upgrade
Total Shareholder Return	-4.23%	4.08%	4.36%	4.30%	3.15%	4.23%	Upgrade

Updated Feb 5, 2025. Source: S&P Global Market Intelligence. Real Estate template. Financial Sources.