Canada · Delayed Price · Currency is CAD Heartland Financial USA Statistics
Total Valuation
TSX:SLF has a market cap or net worth of CAD 43.76 billion. The enterprise value is 39.00 billion.
| Market Cap | 43.76B |
| Enterprise Value | 39.00B |
Important Dates
The last earnings date was Thursday, August 7, 2025.
| Earnings Date | Aug 7, 2025 |
| Ex-Dividend Date | May 28, 2025 |
Share Statistics
TSX:SLF has 562.11 million shares outstanding. The number of shares has decreased by -3.37% in one year.
| Current Share Class | 562.11M |
| Shares Outstanding | 562.11M |
| Shares Change (YoY) | -3.37% |
| Shares Change (QoQ) | -0.45% |
| Owned by Insiders (%) | 0.02% |
| Owned by Institutions (%) | 52.56% |
| Float | 562.71M |
Valuation Ratios
The trailing PE ratio is 13.79 and the forward PE ratio is 10.36.
| PE Ratio | 13.79 |
| Forward PE | 10.36 |
| PS Ratio | 1.28 |
| PB Ratio | 1.74 |
| P/TBV Ratio | 4.04 |
| P/FCF Ratio | 10.59 |
| P/OCF Ratio | 10.25 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 6.60, with an EV/FCF ratio of 9.43.
| EV / Earnings | 12.08 |
| EV / Sales | 1.14 |
| EV / EBITDA | 6.60 |
| EV / EBIT | 7.50 |
| EV / FCF | 9.43 |
Financial Position
The company has a current ratio of 9.50, with a Debt / Equity ratio of 0.25.
| Current Ratio | 9.50 |
| Quick Ratio | 5.54 |
| Debt / Equity | 0.25 |
| Debt / EBITDA | 1.08 |
| Debt / FCF | 1.54 |
| Interest Coverage | 8.27 |
Financial Efficiency
Return on equity (ROE) is 13.61% and return on invested capital (ROIC) is 9.35%.
| Return on Equity (ROE) | 13.61% |
| Return on Assets (ROA) | 0.90% |
| Return on Invested Capital (ROIC) | 9.35% |
| Return on Capital Employed (ROCE) | 1.39% |
| Revenue Per Employee | 1.07M |
| Profits Per Employee | 101,612 |
| Employee Count | 31,768 |
| Asset Turnover | 0.09 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, TSX:SLF has paid 1.03 billion in taxes.
| Income Tax | 1.03B |
| Effective Tax Rate | 23.22% |
Stock Price Statistics
The stock price has increased by +20.23% in the last 52 weeks. The beta is 0.87, so TSX:SLF's price volatility has been lower than the market average.
| Beta (5Y) | 0.87 |
| 52-Week Price Change | +20.23% |
| 50-Day Moving Average | 86.72 |
| 200-Day Moving Average | 83.74 |
| Relative Strength Index (RSI) | 24.87 |
| Average Volume (20 Days) | 1,593,068 |
Short Selling Information
The latest short interest is 16.13 million, so 2.78% of the outstanding shares have been sold short.
| Short Interest | 16.13M |
| Short Previous Month | 14.96M |
| Short % of Shares Out | 2.78% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | n/a |
Income Statement
In the last 12 months, TSX:SLF had revenue of CAD 34.14 billion and earned 3.23 billion in profits. Earnings per share was 5.65.
| Revenue | 34.14B |
| Gross Profit | 13.86B |
| Operating Income | 5.20B |
| Pretax Income | 4.42B |
| Net Income | 3.23B |
| EBITDA | 5.91B |
| EBIT | 5.20B |
| Earnings Per Share (EPS) | 5.65 |
Balance Sheet
The company has 11.20 billion in cash and 6.38 billion in debt, giving a net cash position of 4.82 billion or 8.58 per share.
| Cash & Cash Equivalents | 11.20B |
| Total Debt | 6.38B |
| Net Cash | 4.82B |
| Net Cash Per Share | 8.58 |
| Equity (Book Value) | 25.18B |
| Book Value Per Share | 43.41 |
| Working Capital | 17.62B |
Cash Flow
In the last 12 months, operating cash flow was 4.27 billion and capital expenditures -136.00 million, giving a free cash flow of 4.13 billion.
| Operating Cash Flow | 4.27B |
| Capital Expenditures | -136.00M |
| Free Cash Flow | 4.13B |
| FCF Per Share | 7.35 |
Margins
Gross margin is 40.59%, with operating and profit margins of 15.24% and 9.69%.
| Gross Margin | 40.59% |
| Operating Margin | 15.24% |
| Pretax Margin | 12.95% |
| Profit Margin | 9.69% |
| EBITDA Margin | 17.31% |
| EBIT Margin | 15.24% |
| FCF Margin | 12.11% |
Dividends & Yields
This stock pays an annual dividend of 3.52, which amounts to a dividend yield of 4.16%.
| Dividend Per Share | 3.52 |
| Dividend Yield | 4.16% |
| Dividend Growth (YoY) | 8.01% |
| Years of Dividend Growth | 10 |
| Payout Ratio | 60.61% |
| Buyback Yield | 3.37% |
| Shareholder Yield | 7.54% |
| Earnings Yield | 7.38% |
| FCF Yield | 9.45% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 5 |