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U-Haul Holding UHAL.B Individual Policies — Liability For Future Policy Benefits

Other product segments

Investments
$23.22M-5.3%
Health Insurance Product Line
$10.04M-13.4%
Other Insurance Product Line
$8.09M-9.6%
Indexed Annuity
$1K-98.1%

Similar metrics at other companies

Globe Life logo
GLLife — Liability For Future Policy Benefits
$10.85B+4.8%
Globe Life logo
GLHealth — Liability For Future Policy Benefits
$1.93B+5.3%
Prudential Financial logo
PRUIndividual Life — Liability for Future Policy Benefit, Expected Future Policy Benefit, before Reinsurance, after Discount Rate Change
$1.82B—
Prudential Financial logo
PRUIndividual Life — Future Policy Benefits, Losses, Claims Expenses
$28.35B+6.8%
Equitable Holdings logo
EQHFuture policyholder benefits total — Future policy benefits and other policyholders’ liabilities
$15.34B+0.9%
Aflac logo
AFLLife insurance — Future policy benefits
$16.16B-19.9%

Other financials

Income statement

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Revenue$1.3B+3.1%
Gross profit$1.4B+3.5%
Operating income$33.7M-77.7%
Net income$37.0M-45.0%
EPS (diluted)$0.11-76.7%

Balance sheet

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Cash & equivalents$1.1B+13.3%
Total debt$8.1B+11.5%
Total equity$7.6B+1.5%
Total assets$21.5B+5.0%

Cash flow

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Operating cash flow$404.0M+103%
CapEx$551.7M-6.3%
Free cash flow-$147.7M+62.2%

Valuation

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Market cap$11.82B-26.2%
Enterprise value$18.83B-13.6%
P/S2×-0.8×

Profitability

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Gross margin95.9%-0.1pp
Operating margin8.5%-4.9pp
Net margin7.9%-3.8pp
FCF margin-22.5%-5.8pp

Returns & leverage

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Return on equity6.1%-3.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by U-Haul Holding in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefits.

The official record: U-Haul Holding’s 10-Q, filed February 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is U-Haul Holding's individual policies — liability for future policy benefits?
U-Haul Holding (UHAL.B) reported individual policies — liability for future policy benefits of $22.64M in Q4 2025.
How has U-Haul Holding's individual policies — liability for future policy benefits changed year-over-year?
U-Haul Holding's individual policies — liability for future policy benefits decreased by 8.5% year-over-year, from $24.75M to $22.64M.
What does individual policies — liability for future policy benefits mean?
The estimated amount of money the company must hold in reserve to pay out future claims on individual life insurance policies.
How do you interpret individual policies — liability for future policy benefits?
An increase typically reflects growth in the insurance book of business or changes in actuarial assumptions regarding mortality and interest rates, while a decrease may indicate a shrinking policy base or improved mortality experience. Significant fluctuations may signal changes in underwriting risk or the need for capital adjustments to meet long-term obligations.
How does individual policies — liability for future policy benefits compare across companies?
Comparable to 'Future Policy Benefits' or 'Insurance Contract Liabilities' reported by other life insurance and diversified financial services companies under GAAP or IFRS accounting standards.