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U-Haul Holding UHAL Investments — Liability For Future Policy Benefits

Other product segments

Individual Policies
$22.64M-8.5%
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 investments — liability for future policy benefits?
U-Haul Holding (UHAL) reported investments — liability for future policy benefits of $23.22M in Q4 2025.
How has U-Haul Holding's investments — liability for future policy benefits changed year-over-year?
U-Haul Holding's investments — liability for future policy benefits decreased by 5.3% year-over-year, from $24.53M to $23.22M.
What does investments — liability for future policy benefits mean?
Represents the estimated present value of future obligations to policyholders, including death benefits and other long-term insurance payouts. This is a critical liability metric that reflects the long-term risk exposure of the insurance segment.