UNION PACIFIC CORP (UNP) Stock Fundamental Analysis

NYSE:UNP • US9078181081

266.36 USD
+3.39 (+1.29%)
Last: Feb 20, 2026, 10:31 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

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 is not valued too expensively and it also shows a decent growth rate. UNP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • In the past year UNP was profitable.
  • In the past year UNP had a positive cash flow from operations.
  • In the past 5 years UNP has always been profitable.
  • In the past 5 years UNP always reported a positive cash flow from operatings.
UNP Yearly Net Income VS EBIT VS OCF VS FCFUNP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • UNP has a better Return On Assets (10.24%) than 90.48% of its industry peers.
  • Looking at the Return On Equity, with a value of 38.65%, UNP belongs to the top of the industry, outperforming 97.62% of the companies in the same industry.
  • UNP has a better Return On Invested Capital (11.77%) than 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 RankSector 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%
UNP Yearly ROA, ROE, ROICUNP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • UNP has a better Profit Margin (29.12%) than 95.24% of its industry peers.
  • UNP's Profit Margin has been stable in the last couple of years.
  • Looking at the Operating Margin, with a value of 40.17%, UNP belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • UNP's Operating Margin has been stable in the last couple of years.
  • The Gross Margin of UNP (79.53%) is better than 90.48% of its industry peers.
  • UNP's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
UNP Yearly Profit, Operating, Gross MarginsUNP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • UNP has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, UNP has less shares outstanding
  • Compared to 5 years ago, UNP has less shares outstanding
  • UNP has a better debt/assets ratio than last year.
UNP Yearly Shares OutstandingUNP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
UNP Yearly Total Debt VS Total AssetsUNP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of UNP is 5.79, which is a neutral value as it means it would take UNP, 5.79 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 5.79, UNP is doing good in the industry, outperforming 76.19% of the companies in the same industry.
  • UNP has a Debt/Equity ratio of 1.64. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.64, UNP is not doing good in the industry: 83.33% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 5.79
Altman-Z N/A
ROIC/WACC1.13
WACC10.4%
UNP Yearly LT Debt VS Equity VS FCFUNP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 0.91 indicates that UNP may have some problems paying its short term obligations.
  • UNP has a Current ratio of 0.91. This is in the lower half of the industry: UNP underperforms 66.67% of its industry peers.
  • A Quick Ratio of 0.91 indicates that UNP may have some problems paying its short term obligations.
  • UNP has a Quick ratio of 0.91. This is in the lower half of the industry: UNP underperforms 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0.91
Quick Ratio 0.91
UNP Yearly Current Assets VS Current LiabilitesUNP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • The Revenue has been growing slightly by 4.64% on average over the past years.
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

  • Based on estimates for the next years, UNP will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.41% on average per year.
  • The Revenue is expected to grow by 10.75% on average over the next years. This is quite good.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UNP Yearly Revenue VS EstimatesUNP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B
UNP Yearly EPS VS EstimatesUNP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 22.82 indicates a rather expensive valuation of UNP.
  • 78.57% of the companies in the same industry are more expensive than UNP, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.09. UNP is around the same levels.
  • A Price/Forward Earnings ratio of 21.16 indicates a rather expensive valuation of UNP.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UNP indicates a somewhat cheap valuation: UNP is cheaper than 78.57% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of UNP to the average of the S&P500 Index (27.98), we can say UNP is valued slightly cheaper.
Industry RankSector Rank
PE 22.82
Fwd PE 21.16
UNP Price Earnings VS Forward Price EarningsUNP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UNP is on the same level as its industry peers.
  • Based on the Price/Free Cash Flow ratio, UNP is valued a bit cheaper than 78.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 28.74
EV/EBITDA 15.16
UNP Per share dataUNP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The excellent profitability rating of UNP may justify a higher PE ratio.
PEG (NY)2.9
PEG (5Y)3.11
EPS Next 2Y8.31%
EPS Next 3Y8.74%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • UNP has a Yearly Dividend Yield of 2.11%.
  • Compared to an average industry Dividend Yield of 0.68, UNP pays a better dividend. On top of this UNP pays more dividend than 95.24% of the companies listed in the same industry.
  • UNP's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.11%

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
UNP Yearly Dividends per shareUNP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

  • UNP pays out 45.33% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of UNP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.33%
EPS Next 2Y8.31%
EPS Next 3Y8.74%
UNP Yearly Income VS Free CF VS DividendUNP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
UNP Dividend Payout.UNP Dividend Payout, showing the Payout Ratio.UNP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

UNION PACIFIC CORP

NYSE:UNP (2/20/2026, 10:31:02 AM)

266.36

+3.39 (+1.29%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)01-27
Earnings (Next)04-22
Inst Owners86.93%
Inst Owner Change1.15%
Ins Owners0.09%
Ins Owner Change4.75%
Market Cap158.06B
Revenue(TTM)24.51B
Net Income(TTM)7.14B
Analysts78.06
Price Target269 (0.99%)
Short Float %4.48%
Short Ratio7.82
Dividend
Industry RankSector Rank
Dividend Yield 2.11%
Yearly Dividend5.41
Dividend Growth(5Y)7.01%
DP45.33%
Div Incr Years18
Div Non Decr Years26
Ex-DateN/A
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 RankSector Rank
PE 22.82
Fwd PE 21.16
P/S 6.45
P/FCF 28.74
P/OCF 17.01
P/B 8.56
P/tB 8.56
EV/EBITDA 15.16
EPS(TTM)11.67
EY4.38%
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 RankSector 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 RankSector 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
WACC10.4%
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%.