Union Pacific (UNP.US) Price Target and Rating 2026/2027

286.48
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Union Pacific Price Target 2026: Analysts See 15% Upside

The average price target for Union Pacific is $328.17. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 14.55% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is Union Pacific overvalued or undervalued?

Union Pacific is currently undervalued with a gap of 14.6% relative to the price target.


The current price is $286.48, which places Union Pacific in the undervalued category. The stock is considered undervalued when the price is below $295.35, and overvalued when the price exceeds $360.99.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For Union Pacific, the fair value range lies between $295.35 and $360.99.


See the full price target analysis for Union Pacific →

Analyst Ratings for Union Pacific stock in 2026: Buy

25 analysts cover Union Pacific. The majority is positive, with 72% recommending Buy, while 24% recommend Hold. The average price target is $328.17, which gives an upside of 14.6% from the current price.

Consensus: Buy (4.28/5)
Strong Buy
15 (60%)
Buy
3 (12%)
Hold
6 (24%)
Sell
1 (4%)
Strong Sell Sell Hold Buy Strong Buy
4.28 out of 5 based on 25 analysts

About Union Pacific – Railroads

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. It offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, and ethanol and renewable biofuel producers; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, petroleum, liquid petroleum gases, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. The company was founded in 1862 and is headquartered in Omaha, Nebraska. Read more about the company

Key Figures for Union Pacific

$168B Market cap
$25.4B Revenue
Railroads Industry
22.88 P/E
6.60 P/S
7.89 P/B
United States Listed on exchange
up.com Website

What kind of stock is Union Pacific?

Quality stock Momentum stock

Union Pacific is classified as a quality stock and momentum stock. This means the stock combines several attractive traits, strong financial health (Piotroski 8/9), and strong price momentum.

Score Overview for Union Pacific

💰 Value Score 37/100 (Low)
⭐ Quality Score 92/100 (Very High)
🚀 Momentum Score 73/100 (High)
📊 Total Score 67/100

⚠️ 1 red flag identified 1 critical

Our analysis has identified 1 potential risk factor in Union Pacific that investors should be aware of.

🚨 High debt: The debt-to-equity ratio is 301% – the company carries considerably more debt than equity, which raises the financial risk.

📈 Valuation

Union Pacific trades at a P/E ratio of 22.9, which is close to the market average. The forward P/E is 19.3 (15% lower), which suggests the market expects rising earnings. The P/S ratio is 6.6 (high — the market pays a premium for the revenue). The P/B ratio is 7.9. The PEG ratio is 2.72 — above 2.0 suggests the stock is expensive relative to its growth rate.

💵 Profitability & Growth

Union Pacific has a profit margin of 28.9% (excellent) and an operating margin of 41.0%. Return on equity (ROE) is 39.7% — excellent return on equity. Return on assets (ROA) is 9.3%. The latest quarterly earnings grew 6.6% year over year.

🏦 Financial Health

The Piotroski score is 8 out of 9 — excellent financial health. Altman Z2 is 4.72 (healthy balance sheet — low risk). The debt-to-equity ratio (D/E) is 300.9% — high debt, which raises the risk.

🚀 Momentum & Short Interest

Short interest is 5.20% — elevated, some investors are betting on a decline.

Union Pacific Dividend

How much does Union Pacific pay in dividends?

Union Pacific does not currently pay a dividend. This may be because the company reinvests its profits in growth, or because there is not enough profit for dividend payments. You can find more information about the dividend policy on the company's website.

Historical Dividend Payments for Union Pacific

No historical dividend payments are registered for this stock.

Ex-datePayment dateAmountCurrency
No historical dividend payments available.

Insider Trading in Union Pacific 2026: The Signal Is mostly negative

In 2026, insiders at Union Pacific have made 19 transactions – split into 2 purchases and 17 sales. On a net basis, insiders took $11,791,630 out of the stock. Active insiders include Vena Vincenzo J, Finley Teresa, Gehringer Eric J and others.

Short-Term Signal (3 months): No activity

There has been no insider trading in the last 3 months.

Long-Term Signal (all transactions): Mostly negative

Insiders have sold considerably more than they have bought. At large companies this can be due to planned sales (10b5-1 plans) and is not necessarily a negative signal.

Across the last 19 transactions: 2 purchases and 17 sales. A net $11,791,630 out of the stock.

Latest purchase: Vena Vincenzo J bought 4,500 shares at $222.00 each on 2023-11-21. The stock has since risen 29%.

Latest sale: Gehringer Eric J sold 2,991 shares at $263.96 each on 2026-06-03.

Who is buying: Vena Vincenzo J, Finley Teresa.

Who is selling: Gehringer Eric J, Rocker Kenyatta G, Hamann Jennifer L, Richardson Craig V, Whited Elizabeth F.

Latest Insider Trades in Union Pacific (2026)

The table shows the last 19 reported insider transactions in Union Pacific. Green rows are purchases, red rows are sales. The data is based on official filings.

Transaction date Name Type Number of shares Price per share ($) Total amount ($)
2026-06-03 Gehringer Eric J Sell 2,991 264 789,504
2026-04-24 Rocker Kenyatta G Sell 15,531 272 4,220,705
2026-04-24 Hamann Jennifer L Sell 2,000 275 549,400
2026-03-20 Gehringer Eric J Sell 1,999 235 469,625
2025-01-27 Richardson Craig V Sell 3,729 252 939,708
2025-01-24 Whited Elizabeth F Sell 7,500 250 1,875,000
2024-07-30 Whited Elizabeth F Sell 673 247 166,500
2023-12-13 Hamann Jennifer L Sell 1,000 235 235,000
2023-11-21 Vena Vincenzo J Buy 4,500 222 999,000
2023-10-30 Gehringer Eric J Sell 1,274 203 258,928

Who is buying and selling Union Pacific shares in 2026?

The following insiders have bought shares in Union Pacific: Vena Vincenzo J, Finley Teresa. In total, $1,258,799 was bought across 2 transactions. The following insiders have sold shares: Gehringer Eric J, Rocker Kenyatta G, Hamann Jennifer L, Richardson Craig V, Whited Elizabeth F. In total, $13,050,429 was sold across 17 transactions. Insider trades are legal transactions in which executives and board members buy or sell shares of their own company. These transactions are reported to the SEC and are publicly available.

Union Pacific Short Selling 2026: 5.2% Sold Short

High short interest: 5.2% of the free float
Short % of free float
5.2%
Assessment
High short interest
Short squeeze risk
Moderate
Data source
EODHD
Reported about twice a month
The stock has a high share of short selling. Between 5-10% of the freely traded shares are sold short, which suggests some investors are betting on falling prices. Positive surprises can lead to a moderate short squeeze.

What does this mean for you as an investor?
A short interest of 5.2% means that 5.2% of the freely traded shares in Union Pacific have been borrowed and sold by investors betting on falling prices.

The next potential catalyst is the earnings report on Oct 22, 2026. With a short interest of 5.2%, the report can trigger considerable volatility.

Short interest comes from our data provider EODHD. The figure is reported about twice a month; we check it every trading day.
Short Interest Scale
0% 2% 5% 10% 20%+
Low Moderate High Very High Extreme
▲
5.2%

When Does Union Pacific Report Earnings – Next Date: Oct 22, 2026

The next earnings report from Union Pacific is scheduled for October 22, 2026, before the market opens. This report covers the third quarter (Q3), which ended on September 30, 2026.



Technical Analysis of Union Pacific 2026 – Signal: Hold

Overall Technical Signal: Hold

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated October 15, 2026.

Trend Analysis of Union Pacific Corporation

Union Pacific Corporation is in a short-term uptrend. The price of $286.43 is 3.5% above the 20-day average ($276.78). Medium term, the picture is negative: the price is 0.4% below the 50-day average ($287.52). Long term, the stock is 8.2% above the 200-day average ($264.60), which confirms a long-term uptrend.

Golden Cross: The 50-day average (287.52) is above the 200-day average (264.60), which is a classic bullish signal for Union Pacific Corporation.

Is Union Pacific Corporation overbought or oversold?

Union Pacific Corporation has an RSI of 59.7. The stock shows positive momentum in the upper part of the neutral zone.

MACD Analysis for Union Pacific Corporation

Daily MACD: MACD is negative (-1.147), which means the short-term trend is bearish (the 12-day EMA is below the 26-day EMA). MACD is above the signal line (-2.965) by 1.818, which suggests the negative momentum is fading – a potential trend reversal could be ahead.

Weekly MACD: MACD5 is positive (7.021), which indicates a broader bullish long-term trend. MACD5 is below the signal line (10.590) by 3.569, which suggests the long-term momentum is fading – the positive trend could come under pressure.

Overall MACD assessment: The daily and weekly MACD give conflicting signals. The long-term trend is bullish, but the short-term trend is bearish. Daily momentum is rising, though, which could suggest the pullback is over.

Risk Profile for Union Pacific Corporation

Union Pacific Corporation has an annual standard deviation of 22.4%, which classifies the stock as Conservative. Price swings are limited, and the stock suits conservative investors.

Overall Technical Conclusion for Union Pacific Corporation

Trend: Neutral/mixed.

MACD trend (zero line): Daily bearish (-1.147). Weekly bullish (7.021).

MACD momentum (signal): Daily rising. Weekly falling.

RSI: 59.7 – neutral.

Technical signal: Hold

The signals are mixed – trend and MACD point in different directions. Wait until MACD crosses the zero line in the direction of the trend before acting.

Frequently Asked Questions About Union Pacific stock in 2026

Should you buy Union Pacific stock now?
The technical signal for Union Pacific is currently Hold. Union Pacific trades at $286.48 as of Oct 15, 2026. The technical analysis shows the following: MACD is negative (bearish trend) at -1.147 with rising momentum (signal: -2.965); RSI is at 59.7 (neutral zone); the stock is in a short-term uptrend (price above the 20-day average); the analyst price target of $328.17 points to 14.6% upside. This is a technical observation based on current data, not investment advice.
What is the price target for Union Pacific stock?
The average analyst price target for Union Pacific is $328.17. The current price is $286.48, which gives an upside of 14.6%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $295.35 and $360.99.
Is Union Pacific a dividend stock?
Yes, Union Pacific is a dividend stock with a dividend yield of 1.96%. The payout ratio is 45.3%, which is considered sustainable.
What is the risk of Union Pacific stock?
Union Pacific is rated as a stock in the risk category Conservative. the annual standard deviation is 22.4%, which classifies the stock as Conservative.
Is Union Pacific overvalued?
No, Union Pacific is considered undervalued based on the analyst price target (14.6% upside). Union Pacific has the following valuation ratios: a P/E ratio of 22.9 (moderately to highly valued), a P/S ratio of 6.6, a P/B ratio of 7.9. The analyst price target suggests that the stock is undervalued by 14.6%.
Is Union Pacific overbought?
No, Union Pacific is not overbought. RSI is at 59.7 (neutral zone). The technical indicators show: RSI is at 59.7 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 3.5% above the 20-day average (short-term uptrend). In addition, MACD is negative, but momentum is rising (possible trend reversal).
When is the next Union Pacific earnings report?
Union Pacific reports its next earnings on October 22, 2026. The stock currently trades at $286.48. With a P/E ratio of 22.9, the market will be watching closely whether earnings meet expectations.
Is Union Pacific shorted?
Yes, Union Pacific is shorted with 5.2% of the free float sold short. This is a high level of short selling, which suggests some investors are betting on falling prices. Positive surprises can lead to a moderate short squeeze. The figure comes from our data provider EODHD, is reported about twice a month, and we check it every trading day.
Are insiders buying Union Pacific stock?
No, insiders are not buying Union Pacific shares – they are net sellers. Across the last 19 reported transactions, the split is 2 purchases and 17 sales, with a net 11,791,630 $ sold. Active sellers include Gehringer Eric J, Rocker Kenyatta G, Hamann Jennifer L and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is Union Pacific a good stock?
Based on our total score, Union Pacific is rated as a good stock with a total score of 67 out of 100. The stock scores above average on value, quality and momentum. The score is made up of Value: 37/100, Quality: 92/100, Momentum: 73/100. In addition: analysts see 14.6% upside to the price target; a dividend of 1.96%. Whether now is the time to buy is a separate question: the technical signal is Hold. Whether Union Pacific is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for Union Pacific stock?
The outlook for Union Pacific based on current data: the average analyst price target is $328.17 (+14.6%); the next earnings report is due on Oct 22, 2026, which can move the price; the P/E ratio is 22.9 (moderate). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is Union Pacific stock rising?
Union Pacific is rising right now. The technical indicators show: the price is 3.5% above the 20-day average; short interest is 5.2% (high – many are betting on a decline); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis and insider section above.
How high can Union Pacific go?
The average analyst price target for Union Pacific is $328.17, which corresponds to a potential gain of 14.6% from the current price of $286.48. The stock has traded between $211.08 and $314.53 over the last 52 weeks. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can Union Pacific fall?
The stock has traded as low as $211.08 over the last 52 weeks — that is 26.3% below the current price of $286.48. The biggest decline (drawdown) in the same period was 32.9% from high to low. Within a year, the price typically swings about ±22.4% (standard deviation — a measure of price swings). A difficult year could therefore mean a further decline of that size. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does Union Pacific do?
Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. It offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to gr... The company belongs to the Industrials sector, more specifically the Railroads industry, is headquartered in United States, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate Union Pacific as an investment.
Did Union Pacific raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from Union Pacific. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history above.
Is Union Pacific making money or losing money?
Yes, Union Pacific is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 28.9% — which is excellent. The operating margin (profit before interest and taxes) is 41.0%. At a P/E ratio of 22.9, you currently pay 22.9 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can Union Pacific go bankrupt?
The bankruptcy risk of Union Pacific is rated as low. Altman Z2 (a model for assessing financial distress) is 4.72 — that places the company in the healthy zone. The company has a healthy balance sheet with limited debt relative to earnings and assets. The Piotroski score (financial health 0-9, higher is better) is 8 — which is strong. Debt relative to equity is 301% (high). Remember: models like Altman Z2 are statistical — unexpected shocks (fraud, a sector collapse, lawsuits) can always happen. Spread your portfolio.
Does Union Pacific have a lot of debt?
Yes, Union Pacific has elevated debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 301%. For the industrials sector, anything above 200% counts as elevated — that raises the financial risk, especially if interest rates rise or earnings fall. Industrial companies often sit at 100-200% because of heavy production assets and long order books. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can Union Pacific service its debt? Can service its debt without problems — the interest coverage ratio (how many times earnings can cover interest payments) is 9.2x, and net debt equals 2.3 years of earnings (EBITDA).

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