The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
Union Pacific Corporation UNP
Clears the common standard
An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States.
read at $307.32
Union Pacific Corporation holds its Markup at $307.32.
- PHPhase · the trend structure carries the Markup label
- INInsiders · no filings inside 60 days, left as found
- POPositioning · no disclosures inside 60 days, left as found
- OPOptions · no verdict drawn today, left as found
- SCScreen · does not pass the values gate
- edge confirmed
- edge broken
- edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
The investor read · the season, not the day
| Phase | Markup |
| Quantitative state | Consolidating, no directional conviction, held for 22 days |
| Price | $307.32 |
| Valuation | 24.86 trailing · 22.11 forward price to earnings |
| Values screen | FAIL · score 10.0 |
| Beta | N/A |
The opportunity · what the numbers say it is worth
Our framework reads AVOID — it trades above our $283.18 fair value estimate, strong competitive moat, 11.50% revenue growth.
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Our more conservative model reads it as fully-to-richly valued here, while the Street is more bullish — a quality-at-a-fair-price name rather than a deep-value one.
| Revenue growth | 11.50% |
| Profit margin | 28.85% |
| Debt to equity | 149.64 |
| Analyst consensus | Buy · 23 covering |
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
The values screen, explained · five checks, plain English
It depends which standard you follow. There are two widely recognised ways to check whether a company is suitable for a Muslim investor, and on this company they disagree. Here is how it did on each:
Used by most halal investing apps ✓ PASSES
The one Titan applies ✗ DOES NOT PASS
Why the two disagree. They fall out over one thing only: the company’s debt. Our stricter standard measures that debt against what the company owns, and it works out too high to pass. The common standard measures the same debt against what the company is worth on the stock market, where it works out low enough to pass. Every other check, the two agree on. So in practice, most halal apps would treat this as fine to hold, while our stricter view would not — and which line you follow is between you and your scholar.
What these two standards are, and how they differ →
- Business activity Its core business isn't built on prohibited lines — no gambling, alcohol, tobacco, weapons, or interest-based lending. Pass
- Debt load Interest-bearing debt is 47.1% of its assets, above the one-third ceiling the screen allows. Against market value it is 17.3%, under the 30% line the market-value standard uses — so that standard clears it. Divergent
- Interest-bearing cash Cash held in interest-bearing accounts and securities is 4.1% of assets, under the one-third limit. Pass
- Receivables Money owed to the company is 4.5% of assets, under the 49% limit. Pass
- Revenue purity Only 0.2% of revenue comes from non-compliant sources — under the 5% line. Pass
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
The business, in plain words · what the numbers mean
Trains move the goods but debt trips the screen
Goods still rumble across America on steel tracks, grain, fertiliser and coal shifting through Union Pacific's vast network. The business earns a 29 percent profit margin and 41 percent return on equity with a strong moat, yet the shares trade at 301 dollars against a fair value of 277. Forward earnings sit at 21.8 times while revenue edges up just 3 percent a year.
We pass because the ethical screen flags the debt ratio and the price already bakes in perfection. Analysts may cluster around a 308 dollar target, but that does not change the fact that the market is paying up for steady rail volumes that have little room to surprise.
Rail earnings can hold up in good times, yet any slowdown in industrial or agricultural traffic would expose the leverage that already fails the screen. Analysis, not advice.
| Forward P/E | 22.1x priced for continued growth |
| Trailing P/E | 24.9x a premium valuation |
| Revenue growth | 11.5% steady growth |
| Profit margin | 28.8% healthy profit margins |
| Return on equity | 39.7% an exceptional return on shareholder capital |
| Debt to equity | 1.50 a meaningful debt load worth watching |
| Current ratio | 0.99 below 1 — short-term bills exceed liquid assets |
| Market cap | $182.5B |
| Employees | 28,647 |
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Latest news · what the market is reading on UNP
- › Is Norfolk Southern Stock Attractive After Its Strong Earnings Beat? Zacks · 3d ago
- › Hedge Funds Favor Union Pacific Corporation (UNP) Over Canadian Pacific (CP): UNP Beat Earnings and Just Got a Major Win Insider Monkey · 3d ago
- › 💬Money Quote: Railway Merger Diss The Wall Street Journal · 3d ago
- › Are Transportation Stocks Lagging Delta Air Lines (DAL) This Year? Zacks · 3d ago
- › Is Norfolk Southern (NSC) Fully Valued On Its Q2 2026 Earnings Update? Simply Wall St. · 3d ago
Headlines from third-party outlets, linked for reference — not our reporting, not advice.
Related securities · others in UNP's space worth a look
Screened names in the same industry · explore each on its own page.
Where & how to trade · wherever in the world you are
UNP trades on a US exchange. As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The trader read · the latest dated commentary
The dated journal · newest first, never edited
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 10.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 14% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 21%. Our forward projection puts the odds of a 10% gain over the next month near 13%. The street (22 analysts) rates it buy, with a mean price target of $291. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
The insider ledger · Form 4 filings, as filed
| Date | Insider | Title | Type | Shares | Value |
|---|---|---|---|---|---|
| 2026-05-08 | ROCKER KENYATTA G. | Officer | 16 | $4,244 | |
| 2026-05-08 | POWERS CARRIE J. | Officer | 5 | $1,580 | |
| 2026-05-08 | HAMANN JENNIFER L | Chief Financial Officer | 8 | $2,325 | |
| 2026-05-08 | JALALI RAHUL | Chief Technology Officer | 9 | $2,400 | |
| 2026-05-08 | CONLIN CHRISTINA B | Officer | 7 | $1,905 | |
| 2026-05-08 | GEHRINGER ERIC J. | Officer | 14 | $3,750 | |
| 2026-04-24 | ROCKER KENYATTA G. | Officer | 27,387 | $4,806,048 | |
| 2026-04-24 | ROCKER KENYATTA G. | Officer | 27,387 | $7,442,691 | |
| 2026-04-24 | HAMANN JENNIFER L | Chief Financial Officer | 2,000 | $549,400 | |
| 2026-04-10 | VENA VINCENZO JIM | Chief Executive Officer | 11 | $3,000 |
Public filings, recorded as found. The full tape lives at Insider Intelligence.
The political ledger · congressional disclosures
| Date | Politician | Party | Type | Amount |
|---|---|---|---|---|
| 15 May2026 | Ro Khanna | Democrat | buy | 1K–15K |
| 1 May2026 | Ro Khanna | Democrat | buy | 1K–15K |
What holding actually paid · price plus dividends
| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $261.99 | +1.9% | $1.38 | $1,025 | +2.5% |
| 2 months | $249.22 | +7.2% | $1.38 | $1,077 | +7.7% |
| 3 months | $242.84 | +10.0% | $1.38 | $1,105 | +10.5% |
| 6 months | $233.68 | +14.3% | $2.76 | $1,155 | +15.5% |
| 1 year | $221.57 | +20.5% | $5.52 | $1,230 | +23.0% |
| 2 years | $218.87 | +22.0% | $10.88 | $1,270 | +27.0% |
| 3 years | $186.67 | +43.1% | $16.08 | $1,517 | +51.7% |
| 5 years | $197.70 | +35.1% | $26.01 | $1,482 | +48.2% |
Historical returns from market close data. Past performance does not guarantee future results.