Fundamental Analysis of Heartland Fin USA Inc. - Growth / Value Index
HTLF - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.084
Price to Book Ratio is 0.417 indicating that it is undervalued.
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 24.68 | 24.33 | 167.44 % | |
| Price to Book | 0.428 | 1.01 | -9.59 % | 0.985 |
| Price to Sales | 2.49 | 2.08 | -21.44 % | |
| Enterprise Value to EBITDA Multiple | 20.44 | 25.54 | 288.68 % |
HTLF - Profitability Highlights
Profitability Analysis
Company Earning excess return
Good Net Margin of 10.10% is achieved by the company
Low Earning Yield of 4.16 %
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 4.18 | 4.13 | -66.19 % | 2.61 |
| Return On Asset | 0.398 | 0.412 | -60.72 % | 0.270 |
| Net Profit Margin | 10.10 | 8.57 | -70.62 % | 18.51 |
| Operating Profit Margin | 15.12 | 10.37 | -71.81 % | 27.08 |
| EBITDA Margin | 15.50 | 10.37 | -78.56 % | -3.71 |
Highlights
| Market Cap | 1944.40 M |
| Enterprise Value | 2471.90 M |
| Price/Book TTM | 0.428 |
| Outstanding Share | 42790.60 K |
| Float/ Outstanding Share | 87.58% |
| Dividend Yield | 2.69 % |
Share Holding
Guru Numbers
| Price/Graham No | 1.05 |
| Peter Lynch Ratio | -2.54 |
| Piotroski F Score | 6.00 |
| Altman Z Score | 0.208 |
| Sloan Ratio | -0.0091 |
| Peter Lynch Fair Value | 0 |
HTLF - Growth Highlights
Growth Analysis
Annual sales of the company is increased for three years in a row
Tsr Growth Index - Poor Score of 34.14
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 780328 K | 28.22 % | 93.94 % |
| Gross Profit | 780328 K | 31.13 % | 93.94 % |
| EBITDA | 120960 K | 72.51 % | 743.14 % |
| Net Profit | 78851.00 K | 62.33 % | 173.49 % |
| EPS | 1.84 | 62.61 % | NA |
HTLF - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 31.25
Altman Z Score of 0.207 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.441 | 2.22 % | 0.493 |
| Cash Ratio | 0.0411 | -64.69 % | |
| Quick Ratio | 1.61 | 118.21 % | 2.25 |
| Shareholders Equity | 9.96 | 16.19 % | |
| Debt to EBITDA | 8.80 | 314.25 % |
Historical Valuation Ratios of Heartland Fin USA Inc.
Historical Valuation Ratios
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Historical Profitability Ratios of Heartland Fin USA Inc.
Historical Profitability Ratios
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Historical Efficiency Ratios of Heartland Fin USA Inc.
Historical Efficiency Ratios
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Historical Solvency Ratios of Heartland Fin USA Inc.
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)