UNION PACIFIC CORP (UNP) Stock Fundamental Analysis
NYSE:UNP • US9078181081
266.1 USD
+3.13 (+1.19%)
At close: Feb 20, 2026
266.493 USD
+0.39 (+0.15%)
After Hours: 2/20/2026, 8:08:48 PM
Taking everything into account, UNP scores 6 out of 10 in our fundamental rating. UNP was compared to 42 industry peers in the Ground Transportation industry. While UNP has a great profitability rating, there are quite some concerns on its financial health. UNP has a decent growth rate and is not valued too expensively. Finally UNP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- UNP had positive earnings in the past year.
- In the past year UNP had a positive cash flow from operations.
- Each year in the past 5 years UNP has been profitable.
- In the past 5 years UNP always reported a positive cash flow from operatings.
1.2 Ratios
- UNP has a Return On Assets of 10.24%. This is amongst the best in the industry. UNP outperforms 90.48% of its industry peers.
- UNP has a Return On Equity of 38.65%. This is amongst the best in the industry. UNP outperforms 97.62% of its industry peers.
- UNP's Return On Invested Capital of 11.77% is amongst the best of the industry. UNP outperforms 92.86% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for UNP is above the industry average of 7.38%.
- The last Return On Invested Capital (11.77%) for UNP is above the 3 year average (11.70%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.24% | ||
| ROE | 38.65% | ||
| ROIC | 11.77% |
ROA(3y)9.9%
ROA(5y)10.13%
ROE(3y)40.58%
ROE(5y)45.07%
ROIC(3y)11.7%
ROIC(5y)12.08%
1.3 Margins
- With an excellent Profit Margin value of 29.12%, UNP belongs to the best of the industry, outperforming 95.24% of the companies in the same industry.
- In the last couple of years the Profit Margin of UNP has remained more or less at the same level.
- The Operating Margin of UNP (40.17%) is better than 100.00% of its industry peers.
- In the last couple of years the Operating Margin of UNP has remained more or less at the same level.
- UNP's Gross Margin of 79.53% is amongst the best of the industry. UNP outperforms 90.48% of its industry peers.
- In the last couple of years the Gross Margin of UNP has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.17% | ||
| PM (TTM) | 29.12% | ||
| GM | 79.53% |
OM growth 3Y0.25%
OM growth 5Y0.03%
PM growth 3Y1.16%
PM growth 5Y1.24%
GM growth 3Y1.37%
GM growth 5Y-0.95%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), UNP is creating some value.
- UNP has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, UNP has less shares outstanding
- Compared to 1 year ago, UNP has an improved debt to assets ratio.
2.2 Solvency
- UNP has a debt to FCF ratio of 5.79. This is a neutral value as UNP would need 5.79 years to pay back of all of its debts.
- The Debt to FCF ratio of UNP (5.79) is better than 76.19% of its industry peers.
- A Debt/Equity ratio of 1.64 is on the high side and indicates that UNP has dependencies on debt financing.
- UNP has a Debt to Equity ratio of 1.64. This is amonst the worse of the industry: UNP underperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 5.79 | ||
| Altman-Z | N/A |
ROIC/WACC1.13
WACC10.39%
2.3 Liquidity
- UNP has a Current Ratio of 0.91. This is a bad value and indicates that UNP is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.91, UNP is doing worse than 66.67% of the companies in the same industry.
- UNP has a Quick Ratio of 0.91. This is a bad value and indicates that UNP is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 0.91, UNP is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.91 | ||
| Quick Ratio | 0.91 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 4.76% over the past year.
- Measured over the past 5 years, UNP shows a small growth in Earnings Per Share. The EPS has been growing by 7.34% on average per year.
- The Revenue has been growing slightly by 1.07% in the past year.
- UNP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.64% yearly.
EPS 1Y (TTM)4.76%
EPS 3Y0.9%
EPS 5Y7.34%
EPS Q2Q%-3.38%
Revenue 1Y (TTM)1.07%
Revenue growth 3Y-0.49%
Revenue growth 5Y4.64%
Sales Q2Q%-0.59%
3.2 Future
- UNP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.41% yearly.
- Based on estimates for the next years, UNP will show a quite strong growth in Revenue. The Revenue will grow by 10.75% on average per year.
EPS Next Y7.86%
EPS Next 2Y8.31%
EPS Next 3Y8.74%
EPS Next 5Y12.41%
Revenue Next Year3.07%
Revenue Next 2Y4.03%
Revenue Next 3Y4.08%
Revenue Next 5Y10.75%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 22.80, the valuation of UNP can be described as rather expensive.
- 78.57% of the companies in the same industry are more expensive than UNP, based on the Price/Earnings ratio.
- UNP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
- UNP is valuated rather expensively with a Price/Forward Earnings ratio of 21.14.
- Based on the Price/Forward Earnings ratio, UNP is valued a bit cheaper than the industry average as 78.57% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. UNP is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.8 | ||
| Fwd PE | 21.14 |
4.2 Price Multiples
- UNP's Enterprise Value to EBITDA ratio is in line with the industry average.
- Based on the Price/Free Cash Flow ratio, UNP is valued a bit cheaper than the industry average as 78.57% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.71 | ||
| EV/EBITDA | 15.16 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- UNP has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)2.9
PEG (5Y)3.11
EPS Next 2Y8.31%
EPS Next 3Y8.74%
5. Dividend
5.1 Amount
- UNP has a Yearly Dividend Yield of 2.10%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 0.67, UNP pays a better dividend. On top of this UNP pays more dividend than 95.24% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, UNP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
5.2 History
- The dividend of UNP is nicely growing with an annual growth rate of 7.01%!
- UNP has paid a dividend for at least 10 years, which is a reliable track record.
- UNP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.01%
Div Incr Years18
Div Non Decr Years26
5.3 Sustainability
- 45.33% of the earnings are spent on dividend by UNP. This is a bit on the high side, but may be sustainable.
- UNP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.33%
EPS Next 2Y8.31%
EPS Next 3Y8.74%
266.1
+3.13 (+1.19%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)01-27 2026-01-27/bmo
Earnings (Next)04-22 2026-04-22/bmo
Inst Owners86.93%
Inst Owner Change1.34%
Ins Owners0.09%
Ins Owner Change4.75%
Market Cap157.90B
Revenue(TTM)24.51B
Net Income(TTM)7.14B
Analysts78.06
Price Target269 (1.09%)
Short Float %4.48%
Short Ratio7.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
Yearly Dividend5.41
Dividend Growth(5Y)7.01%
DP45.33%
Div Incr Years18
Div Non Decr Years26
Ex-Date02-27 2026-02-27 (1.38)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.26%
Min EPS beat(2)-1.36%
Max EPS beat(2)1.88%
EPS beat(4)2
Avg EPS beat(4)0.2%
Min EPS beat(4)-2.76%
Max EPS beat(4)3.06%
EPS beat(8)5
Avg EPS beat(8)1.27%
EPS beat(12)8
Avg EPS beat(12)0.84%
EPS beat(16)10
Avg EPS beat(16)0.61%
Revenue beat(2)0
Avg Revenue beat(2)-1.28%
Min Revenue beat(2)-1.54%
Max Revenue beat(2)-1.01%
Revenue beat(4)0
Avg Revenue beat(4)-1.4%
Min Revenue beat(4)-1.9%
Max Revenue beat(4)-1.01%
Revenue beat(8)0
Avg Revenue beat(8)-1.35%
Revenue beat(12)1
Avg Revenue beat(12)-1.37%
Revenue beat(16)4
Avg Revenue beat(16)-0.9%
PT rev (1m)0.87%
PT rev (3m)1.12%
EPS NQ rev (1m)-0.3%
EPS NQ rev (3m)-2.67%
EPS NY rev (1m)-1.13%
EPS NY rev (3m)-1.35%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.88%
Revenue NY rev (1m)-0.48%
Revenue NY rev (3m)-0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.8 | ||
| Fwd PE | 21.14 | ||
| P/S | 6.44 | ||
| P/FCF | 28.71 | ||
| P/OCF | 17 | ||
| P/B | 8.55 | ||
| P/tB | 8.55 | ||
| EV/EBITDA | 15.16 |
EPS(TTM)11.67
EY4.39%
EPS(NY)12.59
Fwd EY4.73%
FCF(TTM)9.27
FCFY3.48%
OCF(TTM)15.66
OCFY5.88%
SpS41.31
BVpS31.12
TBVpS31.12
PEG (NY)2.9
PEG (5Y)3.11
Graham Number90.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.24% | ||
| ROE | 38.65% | ||
| ROCE | 15.22% | ||
| ROIC | 11.77% | ||
| ROICexc | 12% | ||
| ROICexgc | 12% | ||
| OM | 40.17% | ||
| PM (TTM) | 29.12% | ||
| GM | 79.53% | ||
| FCFM | 22.44% |
ROA(3y)9.9%
ROA(5y)10.13%
ROE(3y)40.58%
ROE(5y)45.07%
ROIC(3y)11.7%
ROIC(5y)12.08%
ROICexc(3y)11.91%
ROICexc(5y)12.29%
ROICexgc(3y)11.91%
ROICexgc(5y)12.29%
ROCE(3y)15.14%
ROCE(5y)15.62%
ROICexgc growth 3Y-2.66%
ROICexgc growth 5Y2.24%
ROICexc growth 3Y-2.66%
ROICexc growth 5Y2.24%
OM growth 3Y0.25%
OM growth 5Y0.03%
PM growth 3Y1.16%
PM growth 5Y1.24%
GM growth 3Y1.37%
GM growth 5Y-0.95%
F-Score8
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 5.79 | ||
| Debt/EBITDA | 2.46 | ||
| Cap/Depr | 153.79% | ||
| Cap/Sales | 15.47% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 75.46% | ||
| Profit Quality | 77.04% | ||
| Current Ratio | 0.91 | ||
| Quick Ratio | 0.91 | ||
| Altman-Z | N/A |
F-Score8
WACC10.39%
ROIC/WACC1.13
Cap/Depr(3y)151.1%
Cap/Depr(5y)149.49%
Cap/Sales(3y)14.88%
Cap/Sales(5y)14.53%
Profit Quality(3y)79.74%
Profit Quality(5y)82.95%
High Growth Momentum
Growth
EPS 1Y (TTM)4.76%
EPS 3Y0.9%
EPS 5Y7.34%
EPS Q2Q%-3.38%
EPS Next Y7.86%
EPS Next 2Y8.31%
EPS Next 3Y8.74%
EPS Next 5Y12.41%
Revenue 1Y (TTM)1.07%
Revenue growth 3Y-0.49%
Revenue growth 5Y4.64%
Sales Q2Q%-0.59%
Revenue Next Year3.07%
Revenue Next 2Y4.03%
Revenue Next 3Y4.08%
Revenue Next 5Y10.75%
EBIT growth 1Y1.37%
EBIT growth 3Y-0.24%
EBIT growth 5Y4.68%
EBIT Next Year32.52%
EBIT Next 3Y23.92%
EBIT Next 5Y17.65%
FCF growth 1Y-6.7%
FCF growth 3Y-1.43%
FCF growth 5Y-0.41%
OCF growth 1Y-0.6%
OCF growth 3Y-0.26%
OCF growth 5Y1.7%
UNION PACIFIC CORP / UNP FAQ
What is the ChartMill fundamental rating of UNION PACIFIC CORP (UNP) stock?
ChartMill assigns a fundamental rating of 6 / 10 to UNP.
What is the valuation status of UNION PACIFIC CORP (UNP) stock?
ChartMill assigns a valuation rating of 4 / 10 to UNION PACIFIC CORP (UNP). This can be considered as Fairly Valued.
Can you provide the profitability details for UNION PACIFIC CORP?
UNION PACIFIC CORP (UNP) has a profitability rating of 9 / 10.
How financially healthy is UNION PACIFIC CORP?
The financial health rating of UNION PACIFIC CORP (UNP) is 3 / 10.
How sustainable is the dividend of UNION PACIFIC CORP (UNP) stock?
The dividend rating of UNION PACIFIC CORP (UNP) is 7 / 10 and the dividend payout ratio is 45.33%.