Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Union Pacific's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was CHF1,008 Mil. Union Pacific's average total debt for the quarter that ended in Mar. 2026 was CHF25,480 Mil. Therefore, Union Pacific's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 3.96%.
Union Pacific (XSWX:UNP) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Union Pacific Effective Interest Rate on Debt % Related Terms
Union Pacific Effective Interest Rate on Debt % Historical Data
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The historical data trend for Union Pacific's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Union Pacific Effective Interest Rate on Debt % Chart
XSWX:UNP vs CSX, NSC, WAB: Effective Interest Rate on Debt % Comparison
For the Railroads subindustry, Union Pacific's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Union Pacific Effective Interest Rate on Debt % vs Transportation Industry
For the Transportation industry and Industrials sector, Union Pacific's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Union Pacific's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 3.96% mean?
Union Pacific (XSWX:UNP) has a Effective Interest Rate on Debt % of 3.96% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Union Pacific and its competitors.
Is Union Pacific's Effective Interest Rate on Debt % too high?
Union Pacific's current Effective Interest Rate on Debt % is 3.96%. Overall, Union Pacific has a GF Score™ of 91/100, reflecting its overall financial health beyond just this single metric.
How does Union Pacific's Effective Interest Rate on Debt % compare to CSX and NSC?
Union Pacific's Effective Interest Rate on Debt % of 3.96% can be compared against companies in the Transportation industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Transportation company?
A good Effective Interest Rate on Debt % depends on the Transportation industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Union Pacific and its competitors. Union Pacific's current Effective Interest Rate on Debt % is 3.96%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Pacific stock overvalued right now?
Union Pacific (XSWX:UNP) has a current Effective Interest Rate on Debt % of 3.96%. The stock's GF Value™ is CHF199.76, compared to a current price of CHF232.00 — trading 16.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 3.96%. Union Pacific's overall GF Score™ is 91/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Union Pacific (XSWX:UNP), the current Effective Interest Rate on Debt % is 3.96% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Union Pacific (XSWX:UNP) Overvalued in 2026?
Based on GuruFocus' analysis, Union Pacific stock appears to be overvalued.
The current stock price of CHF232.00 is trading 16.1% above its estimated GF Value™ of CHF199.76.
Key valuation signals for XSWX:UNP:
Effective Interest Rate on Debt %: 3.96%
GF Value™: CHF199.76 vs. price of CHF232.00 (16.1% above fair value)
No single metric tells the full story. See the XSWX:UNP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Omaha, Nebraska-based Union Pacific is the largest public railroad in North America. Operating on more than 30,000 miles of track in the western two-thirds of the US, Union Pacific generated $24.5 billion of revenue in 2025 by hauling coal, industrial products, intermodal containers, agricultural goods, chemicals, fertilizers, and automotive goods. Union Pacific owns about one-fourth of Mexican railroad Ferromex and historically derives roughly 10% of its revenue hauling freight to and from Mexico.
91GF Score
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