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UNP · NYSE · United States · Railroads, Line-Haul Operating
In shortUNION PACIFIC CORP is profitable, generates cash and carries moderate debt, with revenue stable (+1.1% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 40.2% | 100/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 29.1% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 40.4% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 15.2% | 100/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.91× | 9/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 1.72× | 15/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 2.48× | 43/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 7.52× | 57/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 4.54 | 88/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 22.4% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.77× | 59/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 7.5% | 83/100 |
| Operating margin volatility | 1.8% | 92/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -0.5% | 14/100 |
|---|---|---|
| EPS growth, 3-year average | 2.2% | 36/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 21,804 | 24,875 | 24,119 | 24,250 | 24,510 |
| Operating income | 9,338 | 9,917 | 9,082 | 9,713 | 9,846 |
| Interest expense | 1,157 | 1,271 | 1,340 | 1,269 | 1,309 |
| Pre-tax income | 8,478 | 9,072 | 8,233 | 8,794 | 9,166 |
| Income tax | 1,955 | 2,074 | 1,854 | 2,047 | 2,028 |
| Net income | 6,523 | 6,998 | 6,379 | 6,747 | 7,138 |
| Diluted EPS | $9.95 | $11.21 | $10.45 | $11.09 | $11.98 |
| Diluted shares (millions) | 655 | 624 | 610 | 609 | 596 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
4.54 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Sep 30, 2026 · Data updated Oct 22, 2026