Heartland Financial USA Ratios and Metrics

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2017 - 2021
Period Ending	Jul '25 Jul 31, 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	212,313	175,496	162,814	160,771	209,584	332,082	Upgrade
Market Cap Growth	47.11%	7.79%	1.27%	-23.29%	-36.89%	20.47%	Upgrade
Enterprise Value	165,199	125,193	127,716	129,097	163,874	292,459	Upgrade
Last Close Price	1659.50	1344.00	1197.26	1142.40	1411.65	2146.19	Upgrade
PE Ratio	23.75	18.96	21.21	17.34	16.38	20.62	Upgrade
Forward PE	20.11	19.79	14.41	11.64	11.68	21.61	Upgrade
PS Ratio	1.91	1.55	1.48	1.45	1.99	3.14	Upgrade
PB Ratio	1.76	1.41	1.30	1.37	1.83	3.03	Upgrade
P/TBV Ratio	1.89	1.51	1.39	1.48	1.98	3.19	Upgrade
P/FCF Ratio	11.21	9.42	11.68	81.53	16.01	18.67	Upgrade
P/OCF Ratio	9.85	8.33	9.82	26.30	13.07	16.21	Upgrade
PEG Ratio	1.69	2.81	5.66	2.83	1.51	1.45	Upgrade
EV/Sales Ratio	1.48	1.11	1.16	1.16	1.56	2.76	Upgrade
EV/EBITDA Ratio	8.98	7.06	8.30	7.42	7.46	11.87	Upgrade
EV/EBIT Ratio	12.96	10.41	13.45	11.03	9.73	14.85	Upgrade
EV/FCF Ratio	8.72	6.72	9.16	65.47	12.52	16.44	Upgrade
Debt / Equity Ratio	0.03	0.03	0.04	0.04	0.06	0.06	Upgrade
Debt / EBITDA Ratio	-	0.23	0.30	0.27	0.32	0.25	Upgrade
Debt / FCF Ratio	0.19	0.22	0.33	2.40	0.53	0.35	Upgrade
Asset Turnover	0.71	0.70	0.70	0.73	0.71	0.75	Upgrade
Inventory Turnover	2.18	2.31	2.02	2.05	2.19	2.39	Upgrade
Quick Ratio	2.80	2.75	2.44	2.32	2.31	2.44	Upgrade
Current Ratio	3.81	3.70	3.46	3.61	3.26	3.20	Upgrade
Return on Equity (ROE)	-	7.41%	6.31%	7.98%	11.47%	15.84%	Upgrade
Return on Assets (ROA)	-	4.68%	3.79%	4.79%	7.08%	8.70%	Upgrade
Return on Capital (ROIC)	-	5.82%	4.70%	6.00%	8.88%	10.94%	Upgrade
Return on Capital Employed (ROCE)	10.00%	9.20%	7.30%	9.40%	13.80%	17.40%	Upgrade
Earnings Yield	4.30%	5.27%	4.71%	5.77%	6.11%	4.85%	Upgrade
FCF Yield	8.92%	10.62%	8.56%	1.23%	6.25%	5.36%	Upgrade
Dividend Yield	2.43%	2.98%	3.34%	3.50%	2.83%	1.86%	Upgrade
Payout Ratio	-	56.93%	68.61%	57.51%	47.49%	30.29%	Upgrade
Buyback Yield / Dilution	0.90%	0.18%	0.63%	2.70%	0.95%	-0.03%	Upgrade
Total Shareholder Return	3.34%	3.16%	3.97%	6.20%	3.79%	1.83%	Upgrade

Updated Jan 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.