UNION PACIFIC CORP (UNP) Stock Fundamental Analysis
NYSE:UNP • US9078181081
260.68 USD
-1.09 (-0.42%)
At close: Feb 13, 2026
260.68 USD
0 (0%)
After Hours: 2/13/2026, 8:04:00 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 belongs to the best of the industry regarding profitability, there are concerns on its financial health. UNP has a correct valuation and a medium growth rate. Finally UNP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- UNP had positive earnings in the past year.
- UNP had a positive operating cash flow in the past year.
- Each year in the past 5 years UNP has been profitable.
- UNP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- UNP has a better Return On Assets (10.24%) than 92.86% 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 100.00% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 11.77%, UNP belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for UNP is above the industry average of 7.14%.
- 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
- UNP's Profit Margin of 29.12% is amongst the best of the industry. UNP outperforms 97.62% of its industry peers.
- In the last couple of years the Profit Margin of UNP has remained more or less at the same level.
- UNP's Operating Margin of 40.17% is amongst the best of the industry. UNP outperforms 100.00% of its industry peers.
- UNP's Operating Margin has been stable in the last couple of years.
- UNP has a Gross Margin of 79.53%. This is amongst the best in the industry. UNP outperforms 90.48% of its industry peers.
- UNP's Gross Margin has been stable in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so UNP is still creating some value.
- UNP has less shares outstanding than it did 1 year ago.
- UNP has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for UNP has been reduced compared to a year ago.
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.
- 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.
- Looking at the Debt to Equity ratio, with a value of 1.64, UNP is doing worse than 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 5.79 | ||
| Altman-Z | N/A |
ROIC/WACC1.21
WACC9.69%
2.3 Liquidity
- A Current Ratio of 0.91 indicates that UNP may have some problems paying its short term obligations.
- The Current ratio of UNP (0.91) is worse than 66.67% of its industry peers.
- 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.
- The Earnings Per Share has been growing slightly by 7.34% on average over the past years.
- Looking at the last year, UNP shows a small growth in Revenue. The Revenue has grown by 1.07% in the last 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
- Based on estimates for the next years, UNP will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.47% on average per year.
- UNP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.84% yearly.
EPS Next Y7.86%
EPS Next 2Y8.31%
EPS Next 3Y8.74%
EPS Next 5Y11.47%
Revenue Next Year3.07%
Revenue Next 2Y4.03%
Revenue Next 3Y4.08%
Revenue Next 5Y10.84%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 22.34, UNP is valued on the expensive side.
- UNP's Price/Earnings ratio is rather cheap when compared to the industry. UNP is cheaper than 80.95% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.97, UNP is valued a bit cheaper.
- With a Price/Forward Earnings ratio of 20.71, UNP is valued on the expensive side.
- UNP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UNP is cheaper than 76.19% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of UNP to the average of the S&P500 Index (27.96), we can say UNP is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.34 | ||
| Fwd PE | 20.71 |
4.2 Price Multiples
- UNP's Enterprise Value to EBITDA ratio is in line with the industry average.
- UNP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UNP is cheaper than 80.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.12 | ||
| EV/EBITDA | 15.09 |
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)2.84
PEG (5Y)3.04
EPS Next 2Y8.31%
EPS Next 3Y8.74%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.20%, UNP has a reasonable but not impressive dividend return.
- UNP's Dividend Yield is rather good when compared to the industry average which is at 0.68. UNP pays more dividend than 92.86% of the companies in the same industry.
- UNP's Dividend Yield is a higher than the S&P500 average which is at 1.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
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.
- 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%
260.68
-1.09 (-0.42%)
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 Change-2.34%
Ins Owners0.09%
Ins Owner Change6.06%
Market Cap154.62B
Revenue(TTM)24.51B
Net Income(TTM)7.14B
Analysts79.35
Price Target269 (3.19%)
Short Float %4.27%
Short Ratio7.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
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)-2.02%
EPS NQ rev (3m)-2.78%
EPS NY rev (1m)-1.13%
EPS NY rev (3m)-1.35%
Revenue NQ rev (1m)-0.53%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)-0.68%
Revenue NY rev (3m)-0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.34 | ||
| Fwd PE | 20.71 | ||
| P/S | 6.31 | ||
| P/FCF | 28.12 | ||
| P/OCF | 16.64 | ||
| P/B | 8.37 | ||
| P/tB | 8.37 | ||
| EV/EBITDA | 15.09 |
EPS(TTM)11.67
EY4.48%
EPS(NY)12.59
Fwd EY4.83%
FCF(TTM)9.27
FCFY3.56%
OCF(TTM)15.66
OCFY6.01%
SpS41.32
BVpS31.13
TBVpS31.13
PEG (NY)2.84
PEG (5Y)3.04
Graham Number90.41
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
WACC9.69%
ROIC/WACC1.21
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 5Y11.47%
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 5Y10.84%
EBIT growth 1Y1.37%
EBIT growth 3Y-0.24%
EBIT growth 5Y4.68%
EBIT Next Year32.52%
EBIT Next 3Y23.92%
EBIT Next 5Y23.3%
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 5 / 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 8 / 10 and the dividend payout ratio is 45.33%.