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U-Haul Holding UHAL.B Life Insurance — Unearned ESOP Shares

Discontinued — last reported Q4 '20

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:UnearnedESOPShares.

The official record: U-Haul Holding’s 10-K, filed May 26, 2021, on SEC EDGAR. View the filing →

Questions, answered.

What does life insurance — unearned ESOP shares mean?
Represents the value of shares held by an Employee Stock Ownership Plan (ESOP) that have not yet been allocated to employees. These shares are typically treated as a reduction of shareholders' equity until they are earned.