Union Pacific Corporation (UNP)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Union Pacific is a large U.S. railroad, and the figures suggest a high-quality franchise: fiscal Q3 2026, the quarter ended 2026-09-30, produced revenue of $7.2B, net income of $2.1B, and diluted EPS of $3.49, versus fiscal Q3 2025, the quarter ended 2025-09-30, with revenue of $6.2B, net income of $1.8B, and diluted EPS of $3.01. The latest-quarter margin was 28.85%, and fiscal year 2025, ended 2025-12-31, showed revenue of $24.5B, net income of $7.1B, and diluted EPS of $11.98. FairStock's Piotroski F-Score is 9/9 and Altman Z-score is 3.72, so financial health looks solid despite debt-to-equity of 1.51. The business quality is evident in the high return on equity and trailing twelve-month free cash flow of $6.7B, but the 3.8% FCF yield is modest at the close price. The competitive position appears durable, but the price is demanding. At the 2026-10-26 close of $296.97, FairStock shows P/E 24.05, P/B 9.08, FCF yield 3.8%, and dividend yield 2.03%. Its Graham Number is $101.49, a margin of safety of -188.57%. FairStock's Lynch category is SLOW GROWER, based on 5.9% annual profit growth and 4.6% revenue growth over five years, and the PEG is 3.80. FairStock's ROE is 39.70%, but ROCE is 9.27%. I see an excellent business trading at a rich price rather than a bargain.

In plain English: Union Pacific runs a large U.S. railroad, hauling grain, coal, chemicals, construction goods and other freight. The business looks strong: in fiscal Q3 2026, the quarter ended 2026-09-30, it earned $2.1B on $7.2B of revenue, and it produced $6.7B of cash left after running and reinvesting in the business over the past year. But at the 2026-10-26 close of $296.97, the shares look expensive against the company's earnings, accounting value and a simple conservative value check; the price seems to assume continued steady improvement.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-09-30) · fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer