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U-Haul Holding UHAL Deferred Fixed Annuity — Policyholder Funds

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:PolicyholderFunds.

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 deferred fixed annuity — policyholder funds?
U-Haul Holding (UHAL) reported deferred fixed annuity — policyholder funds of $2.45B in Q4 2025.
How has U-Haul Holding's deferred fixed annuity — policyholder funds changed year-over-year?
U-Haul Holding's deferred fixed annuity — policyholder funds decreased by 3.7% year-over-year, from $2.55B to $2.45B.
What does deferred fixed annuity — policyholder funds mean?
This represents the total pool of capital held by the company on behalf of annuity policyholders. It serves as the primary liability against which the company manages its investment portfolio to generate returns.