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U-Haul Holding UHAL.B Property And Casualty 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 property and casualty insurance — unearned ESOP shares mean?
This represents the value of shares allocated to an Employee Stock Ownership Plan (ESOP) that have not yet been earned by employees through service. It is a contra-equity account that reflects future compensation costs associated with the plan. Changes in this balance indicate the pace of share allocation and the long-term commitment to employee ownership.