Note 4. Income Taxes

The components of the provision for income taxes are as follows:

 

 

Year Ended December 31,

 

(In thousands)

 

2025

 

 

2024

 

 

2023

 

Current:

 

 

 

 

 

 

 

 

 

Federal

 

$

280,072

 

 

$

284,679

 

 

$

288,030

 

State

 

 

68,780

 

 

 

67,505

 

 

 

66,903

 

 

 

 

348,852

 

 

 

352,184

 

 

 

354,933

 

Deferred:

 

 

 

 

 

 

 

 

 

Federal

 

 

(11,333

)

 

 

18,585

 

 

 

42,728

 

State

 

 

86

 

 

 

755

 

 

 

10,613

 

 

 

 

(11,247

)

 

 

19,340

 

 

 

53,341

 

Total:

 

 

 

 

 

 

 

 

 

Federal

 

 

268,739

 

 

 

303,264

 

 

 

330,758

 

State

 

 

68,866

 

 

 

68,260

 

 

 

77,516

 

     Total provision for income taxes

 

$

337,605

 

 

$

371,524

 

 

$

408,274

 

 

The following is a reconciliation of income tax expense and the effective tax rate calculated using the U.S. statutory federal income tax rate to our provision for income taxes for 2025, 2024, and 2023:

 

 

Year Ended December 31,

 

 

 

2025

 

 

2024

 

 

2023

 

(Amounts in thousands)

 

Amount

 

Rate

 

 

Amount

 

Rate

 

 

Amount

 

Rate

 

Income tax expense at U.S. statutory rate

 

$

285,875

 

 

21.0

%

 

$

327,095

 

 

21.0

%

 

$

346,033

 

 

21.0

%

Federal tax credits

 

 

(8,557

)

 

(0.6

)%

 

 

(8,600

)

 

(0.6

)%

 

 

 

 

%

Federal other, net

 

 

5,476

 

 

0.4

%

 

 

(1,014

)

 

0.0

%

 

 

3,074

 

 

0.2

%

State income taxes, net of federal benefit

 

 

54,811

 

 

4.0

%

 

 

54,043

 

 

3.5

%

 

 

59,167

 

 

3.6

%

     Total provision for income taxes

 

$

337,605

 

 

24.8

%

 

$

371,524

 

 

23.9

%

 

$

408,274

 

 

24.8

%

The majority of the State income taxes, net of federal benefit for 2025 is comprised of California, Georgia, Illinois, Indiana, Kansas, Minnesota, Pennsylvania, Virginia and Wisconsin. The majority of the State income taxes, net of federal benefit for 2024 is comprised of California, Georgia, Iowa, Illinois, Indiana, Kansas, Pennsylvania, Tennessee, and Virginia. The majority of the State income taxes, net of federal benefit for 2023 is comprised of California, Georgia, Iowa, Illinois, Indiana, Kansas, Minnesota, Pennsylvania, and Virginia.

Deferred tax assets and liabilities are included in “Deferred income taxes” on our Balance Sheets and consist of the following:

 

 

December 31,

 

(In thousands)

 

2025

 

 

2024

 

Deferred tax assets:

 

 

 

 

 

 

Claims and insurance reserves

 

$

34,245

 

 

$

32,866

 

Accrued vacation

 

 

26,334

 

 

 

23,379

 

Deferred compensation

 

 

44,668

 

 

 

41,387

 

Other

 

 

12,486

 

 

 

11,341

 

Total deferred tax assets

 

 

117,733

 

 

 

108,973

 

 

 

 

 

 

 

 

Deferred tax liabilities:

 

 

 

 

 

 

Depreciation and amortization

 

 

(483,012

)

 

 

(485,808

)

Other

 

 

(5,404

)

 

 

(5,095

)

Total deferred tax liabilities

 

 

(488,416

)

 

 

(490,903

)

Net deferred tax liability

 

$

(370,683

)

 

$

(381,930

)

We are subject to U.S. federal income tax, as well as income tax of multiple state tax jurisdictions. We remain open to examination by the Internal Revenue Service for tax years 2022 through 2025. We also remain open to examination by various state tax jurisdictions for tax years 2021 through 2025.

The Company’s liability for unrecognized tax benefits was immaterial as of December 31, 2025 and 2024. Interest and penalties related to uncertain tax positions, which were immaterial in 2025, 2024 and 2023, are recorded in “Provision for income taxes” on our Statements of Operations. Changes in our liability for unrecognized tax benefits could affect our effective tax rate, if recognized, but we do not expect any material changes within the next twelve months.

The components of income taxes paid are as follows:

 

 

Year Ended December 31,

 

(In thousands)

 

2025

 

 

2024

 

 

2023

 

Federal (1)

 

$

268,555

 

 

$

274,424

 

 

$

292,040

 

State

 

$

63,167

 

 

 

63,191

 

 

 

69,408

 

Total income taxes paid

 

$

331,722

 

 

$

337,615

 

 

$

361,448

 

(1) Includes payments of $189.1 million and $177.5 million in 2025 and 2024, respectively for purchased federal tax credits to offset estimated tax payments. In 2023, we had no purchased federal tax credits.

On July 4, 2025, the One Big Beautiful Bill Act (the “Act”), which includes a broad range of tax reform provisions affecting businesses, was signed into law in the U.S. The provisions of the Act applicable to our Company did not have a material impact on our financial statements for the quarter or year ended December 31, 2025. We do not expect the Act to have a material impact on our effective tax rate in the future. However, we do anticipate future cash tax benefits due to changes in the laws for depreciation.

Historical Timeline

Fiscal YearFiled
2025Feb 24, 2026Showing above
2024Feb 25, 2025

About Income Taxes Disclosures

The income tax disclosure reveals how much a company actually pays in taxes versus what the statutory rate would predict. Analysts focus on the effective tax rate (ETR) reconciliation, which breaks down every item driving the gap between the 21% federal rate and the company's reported ETR — including R&D credits, foreign rate differentials, and state taxes. Deferred tax assets (DTAs) and their valuation allowances signal management's confidence in future profitability: a rising allowance suggests the company doubts it can use accumulated tax benefits. Uncertain tax benefit (UTB) reserves quantify exposure to IRS challenges on aggressive positions.

Key signals to watch: sudden ETR drops without clear operational reasons, large increases in valuation allowances, growing UTB balances, and significant unremitted foreign earnings. Post-TCJA, pay attention to GILTI and BEAT provisions that affect multinational tax structures. Compare the cash taxes paid (from the cash flow statement) against the income tax provision to gauge earnings quality.