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U-Haul Holding UHAL 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%

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) 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?
This metric represents the actuarially determined reserve amount set aside by the company's life insurance segment to cover future obligations to policyholders. It reflects the present value of future benefits payable under individual life insurance contracts, adjusted for expected premiums and investment returns. This liability is a critical indicator of the long-term solvency and financial health of the insurance underwriting operations.