Heartland Financial USA Ratios and Metrics

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

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Jul '25 Jul 31, 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	16,006	15,721	13,479	9,733	9,260	10,511	Upgrade
Market Cap Growth	13.28%	16.63%	38.48%	5.12%	-11.90%	45.94%	Upgrade
Enterprise Value	14,458	12,881	11,062	7,921	7,390	8,019	Upgrade
Last Close Price	17.97	17.00	17.10	12.09	11.11	12.23	Upgrade
PE Ratio	13.06	11.91	10.23	10.73	14.61	14.36	Upgrade
Forward PE	11.17	9.63	9.53	11.90	10.78	14.06	Upgrade
PS Ratio	0.92	0.91	0.79	0.62	0.60	0.82	Upgrade
PB Ratio	1.40	1.43	1.57	1.30	1.45	1.76	Upgrade
P/TBV Ratio	1.60	1.64	1.81	1.55	1.70	2.04	Upgrade
P/FCF Ratio	-	-	17.10	1064.55	70.60	15.27	Upgrade
P/OCF Ratio	53.03	33.22	9.16	13.64	14.30	11.40	Upgrade
PEG Ratio	1.69	10.88	10.88	10.88	10.88	10.88	Upgrade
EV/Sales Ratio	0.83	0.74	0.65	0.50	0.48	0.63	Upgrade
EV/EBITDA Ratio	8.17	7.03	6.17	6.69	7.52	7.68	Upgrade
EV/EBIT Ratio	10.28	8.43	7.27	8.28	9.56	9.42	Upgrade
EV/FCF Ratio	-33.96	-	14.03	866.35	56.34	11.65	Upgrade
Debt / Equity Ratio	0.32	0.33	0.55	0.57	0.26	0.13	Upgrade
Debt / EBITDA Ratio	2.09	1.92	2.58	3.50	1.67	0.74	Upgrade
Debt / FCF Ratio	-	-	5.97	464.46	12.76	1.13	Upgrade
Asset Turnover	0.92	0.95	1.07	1.19	1.44	1.45	Upgrade
Inventory Turnover	4.17	4.65	5.96	6.23	7.42	8.17	Upgrade
Quick Ratio	1.26	1.32	2.08	2.16	1.30	1.78	Upgrade
Current Ratio	1.84	1.89	2.61	2.79	1.80	2.37	Upgrade
Return on Equity (ROE)	14.13%	15.32%	18.40%	14.84%	12.67%	14.68%	Upgrade
Return on Assets (ROA)	4.62%	5.26%	5.91%	4.50%	4.51%	6.01%	Upgrade
Return on Capital (ROIC)	6.20%	6.84%	7.61%	6.04%	6.51%	8.43%	Upgrade
Return on Capital Employed (ROCE)	11.00%	12.40%	12.30%	8.70%	11.10%	12.50%	Upgrade
Earnings Yield	7.74%	8.39%	9.77%	9.32%	6.85%	6.97%	Upgrade
FCF Yield	-2.66%	-2.34%	5.85%	0.09%	1.42%	6.55%	Upgrade
Dividend Yield	3.37%	3.53%	3.51%	3.31%	3.15%	2.86%	Upgrade
Payout Ratio	43.61%	50.63%	30.05%	33.84%	46.44%	38.28%	Upgrade
Buyback Yield / Dilution	1.23%	-0.86%	-19.86%	-0.06%	0.30%	0.10%	Upgrade
Total Shareholder Return	4.60%	2.67%	-16.35%	3.25%	3.45%	2.96%	Upgrade

Updated Oct 28, 2024. Source: S&P Global Market Intelligence. Standard template. Financial Sources.