Heartland Financial USA, Inc.

NASDAQ
HTLF
Stock
Yield per half year: 0%
Dividend yield: 2.1%
Sector: Financials

Reporting Heartland Financial USA, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Капитализация, млрд $
0.7211 0.8808 1.34 1.82 1.58 1.84 2.13 2.11 1.98 1.34 1.93 4.62
Выручка, млрд $
0.338 0.407 0.43 0.521 0.569 0.607 0.689 0.7275 0.5533 0.9329 0.6292 -0.56
Чистая прибыль, млрд $
0.06 0.08 0.075 0.117 0.149 0.138 0.22 0.2122 0.0799 0.0799 0.1598 -11.72
EV, млрд $
1.02 1.31 1.75 1.53 1.86 1.79 2.21 2.36 2.31 2.31 2.11 4.43
EBIT, млрд $
0.134 0.1738 0.1765 0.1971 0.2647 0.2189 0.3035 0.258 0.0968 0.0666 0.2284 -18.22
EBITDA, млрд $
0.105 0.1477 0.1826 0.2279 0.2955 0.2462 0.3129 0.2922 0.1269 0.0968 0.2547 -15.55
OIBDA, млрд $
0.2311 0.2373 0.3575 0.4242 0.1823 0.2865 -4.63
Баланс стоимость, млрд $
0.6632 0.7409 0.4813 0.5793 0.7025 0.7916 0.963 1.74 1.93 1.93 1.23 22.40
FCF, млрд $
0.093 0.138 0.148 0.23 0.143 0.172 0.309 0.3732 0.2733 0.249 0.2541 13.83
Операционный денежный поток, млрд $
0.1015 0.1482 0.1559 0.2428 0.1612 0.1904 0.1532 0.388 0.2803 0.2563 0.2346 11.70
Операционная прибыль, млрд $
0.0809 0.1169 0.1191 0.1452 0.1841 0.000174 0.2753 0.3442 0.1353 0.0968 0.1878 -5.97
Операционные расходы, млрд $
0.251 0.2797 0.2977 0.3539 0.3492 0.000363 0.0646 0.0718 0.5804 0.1618 0.2133 10.70
CAPEX, млрд $
0.008 0.01 0.008 0.013 0.018 0.019 0.017 0.0148 0.0071 0.0074 0.0152 -16.98


Balance sheet

IFRS
Reporting Annual Quarterly
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд $
0.2612 0.1608 0.2058 0.2783 0.3823 0.341 0.4385 0.3648 0.323 0.3243 0.3699 -3.31
Short Term Investments $
1.58 1.85 2.22 2.45 3.32 6.13 0.2717 1.75 0.0475 0.0475 2.30 -57.23
Long term investments $
4.14 5.25 5.58 6.61 7.61 8.45 0.1332 7.7 7.05 5.58 5.78 -7.96
Total Receivables $
4.95 5.3 6.34 7.35 8.3 9.89 9.84 11.32 11.95 11.95 10.26 7.56
Total Current Assets $
5.51 5.77 6.85 8.03 0.3823 0.341 0.4385 2.05 0.323 0.3689 0.7070 -3.31
Чистые активы, млрд $
0.1617 0.1738 0.9915 1.33 1.58 2.08 2.18 0.1989 1.83 0.1989 1.57 2.98
Активы, млрд $
7.69 8.25 9.81 11.41 13.21 17.91 19.27 20.24 19.41 19.41 18.01 8.00
Short Term Debt $
0.2939 0.3065 0.3247 0.1115 0.1826 0.1679 0.1316 0.3761 0.6286 0.6286 0.2974 28.05
Long Term Debt $
0.2632 0.2885 0.285 0.2749 0.2758 0.457 0.3721 0.3718 0.2231 0.2231 0.3400 -4.15
Задолженность, млрд $
7.03 7.51 8.82 10.08 11.63 15.83 17.09 18.51 17.48 17.48 16.11 8.49
Чистый долг, млрд $
0.296 0.4342 0.0977 -0.0228 -0.1562 -0.2067 0.0652 0.383 0.6997 0.6997 0.1570 -234.97
Долг, млрд $
0.5571 0.595 0.3035 0.2555 0.2261 0.1343 0.5037 0.7479 1.02 0.8517 0.5264 35.16
Interest income $
0.266 0.3265 0.3637 0.4658 0.5143 0.5366 0.5888 0.6747 0.9026 0.6434 11.91
Расходы на обслуживание долга $
0.032 0.0318 0.0334 0.0519 0.0806 0.0449 0.0282 0.0764 0.3526 0.0329 0.1165 34.34
Чист. проц. доходы, млрд $
0.234 0.2947 0.3637 0.4658 0.5143 0.5366 0.5888 0.6747 0.9026 0.9026 0.6434 11.91
Goodwill, млрд $
0.0356 0.0973 0.1277 0.2366 0.3917 0.4463 0.576 0.576 0.576 0.576 0.5501 5.23
Амортизация, млрд $
0.003 0.0056 0.0061 0.0094 0.012 0.0107 0.0094 0.0342 0.0204 0.0301 0.0173 11.20
Себестоимость, млрд $
0.0757 0.0474 0.0454 0.0485 0.0447 0.0435 0.0489 0.0759 -0.0212 -0.0212 0.0384 -186.14
Товарно материальные запасы $
-4.95 -5.3 -6.34 0.0066 0.0069 0.0069 0.002 11.32 12.27 12.27 4.72 346.68


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 2.83 3.22 2.65 3.52 4.14 3.57 5 4.98 1.87 1.87 3.91 -14.70
Цена акции ао 48 53.65 43.95 49.74 40.37 49.25 37.61 61.31 64.67 64.67 50.64 9.88
Число акций ао, млн 21 25 28 34.48 36 37 42 42.63 42.79 42.79 40.08 3.52
FCF/акцию 4.45 5.51 4.93 6.67 3.9 4.08 3.61 8.75 6.39 5.82 5.35 10.38


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 11.89 12.13 8.7 10.1 10.27 7.53 10.49 10.83 4.36 4.13 -47.34 8.70 -15.75
ROA, % 0.86 1.01 0.83 1.1 1.21 0.86 1.14 1.07 0.4031 0.4117 10.67 0.9366 -19.74
ROIC, % 4.69 6.48 7.81 5.9 7.31 8.04 0.01 8.61 10.93 4.99 6.57 6.52 -9.10
ROS, % 35.26 37.67 48.14 36.06 44.05 29.16 14.44 8.57 8.57 8.57 26.44 20.96 -27.92
ROCE, % 23.46 17.8 1.74 2.03 1.23 1.59 1.3 0.5025 3.45 3.45 -60.96 1.61 22.91
Ebit margin, % 32.34 29.46 38.58 35.46 17.49 7.14 7.14 34.79 25.63 -24.68
Рентаб EBITDA, % 36.17 42.23 43.74 51.9 40.56 41.56 40.17 22.94 10.37 10.37 38.87 31.12 -23.87
Чистая рентаб, % 17.42 19.68 17.41 22.46 26.19 22.73 31.41 29.16 14.44 8.57 26.43 24.79 -11.23
Operation Margin, % 27.55 27.76 33.48 0.03 39.96 47.31 24.45 10.37 10.37 10.37 31.91 26.49 -23.65
Чистая процентная маржа, % 14.5 14.51 17.53 19.69 17.5 22.45 26.19 21.99 30.75 29.37 22.37 23.78 11.93
Доходность FCF, % 15.38 12.95 15.65 11 12.65 8.74 12.85 15.19 18.65 16.6 14.41 13.69


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
11.2 15.2 18.2 14.5 12.3 11.2 10.4 9.3 20.2 20.2 25.61 12.68 10.43
P/BV
1.4 1.8 1.6 1.2 1.2 1 1 1.14 0.8352 0.8352 -12.26 1.04 -6.99
P/S
1.9 2.9 3.6 2.8 3.1 2.6 3.1 2.71 2.92 1.73 6.63 2.89 -1.19
P/FCF
14.73 7.66 13.3 9.82 15.77 5.36 3.59 5.38 5.38 5.38 19.35 7.10 -19.35
E/P
0.056 0.0644 0.0909 0.1032 0.1082 0.1061 0.0533 0.0596 0.0596 0.0596 0.05 0.0774 -11.24
EV/EBIT
10.11 10.02 8.32 9.14 23.91 34.73 34.73 34.73 19.77 22.17 33.08
EV/EBITDA
11.74 13.92 9.34 6.73 5.62 6.06 7.08 8.07 18.23 23.91 17.09 9.01 26.53
EV/S
4.06 3.92 3.01 2.67 3.05 3.24 4.18 2.48 2.48 2.48 6.84 3.09 -4.05
EV/FCF
11.82 8.88 11.98 9.43 6.79 6.32 8.47 9.3 9.3 9.3 24.43 8.04 6.49
Debt/EBITDA
1.66 1.12 0.7652 0.5457 1.61 2.56 8.07 8.8 8.8 8.8 1.91 5.97 40.45
Netdebt/Ebitda
0.86 0.61 -0.05 0.64 0.18 1.31 5.51 7.23 7.23 7.23 0.97 4.29 109.30
Debt/Ratio
0.9 0.88 0.88 0.88 0.89 0.0369 0.0528 0.0439 0.0439 0.0439 0.40 0.2135 -45.22
Debt/Equity
8.9 7.61 7.37 7.61 7.83 0.431 0.5297 4.28 9.04 9.04 -1.48 4.42 2.92
Debt/Net Income
8.1 4.29 3.07 4.53 2.29 3.52 12.81 10.66 10.66 10.66 3.28 7.99 36.01
PEG
33.57 33.57 3.23 33.57 0.00
Бета
1.21 1.07 2.25 1.13 -0.0575 -0.0575 0.53 1.12 -154.37
Индекс Альтмана
-0.44 -0.47 -0.41 0.87 0.89 -2.13 0.4788 0.3405 0.3405 0.3405 42.85 -0.0160 -17.48


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0102 0.0146 0.0194 0.0246 0.0319 0.0486 0.0507 0.0592 0.0592 0.0556 0.0499 13.16
Дивиденд
0.4 0.44 0.54 0.68 0.8 0.96 1.12 1.2 1.2 0.9 1.06 8.45
Див доход, ао, %
1.04 0.95 1.34 1.37 1.98 1.9 2.27 3.47 1.96 2.1 1.81 2.32 -0.20
Дивиденды / прибыль, %
14.2 12.7 14.6 16.8 15.8 21.6 18.3 25.57 74.01 74.01 56.58 31.06 36.18
Dividend Coverage Ratio
1.44 1.44 32.92 1.44 0.00


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Other

IFRS
Reporting Annual Quarterly
2019 2020 2021 2022 2023 2024 CAGR 5
CAPEX/Выручка, %
3.15 3.06 2.5 2.03 1.28 -16.48
Персонал, чел
2 208 2 002 1 970 -3.73