Union Pacific (BSP:UPAC34) LT-Debt-to-Total-Asset: 0.44 (As of Mar. 2026)

What is Union Pacific LT-Debt-to-Total-Asset?

Union Pacific BSP:UPAC34 79 LT-Debt-to-Total-Asset is 0.44 as of Mar. 2026. GuruFocus rates BSP:UPAC34 with a GF Score™ of 79/100 and a GF Value™ of R$324.65 (Modestly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Union Pacific's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.44.

Union Pacific's long-term debt to total assets ratio declined from Mar. 2025 (0.46) to Mar. 2026 (0.44). It may suggest that Union Pacific is progressively becoming less dependent on debt to grow their business.

Union Pacific (BSP:UPAC34) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Union Pacific LT-Debt-to-Total-Asset Related Terms

Union Pacific LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Union Pacific's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Union Pacific Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.46

0.50

0.48

0.45

Union Pacific Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.46	0.45	0.45	0.45	0.44

79GF Score

Union Pacific Corp BSP:UPAC34

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Union Pacific LT-Debt-to-Total-Asset Calculation

Union Pacific's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	169301.282	/	380251.379
	=	0.45

Union Pacific's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	158995.529	/	364210.262
	=	0.44

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.44 mean?

Union Pacific (BSP:UPAC34) has a LT-Debt-to-Total-Asset of 0.44 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Union Pacific and its competitors.

Is Union Pacific's LT-Debt-to-Total-Asset too high?

Union Pacific's current LT-Debt-to-Total-Asset is 0.44. Overall, Union Pacific has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Union Pacific's LT-Debt-to-Total-Asset compare to CSX and NSC?

Union Pacific's LT-Debt-to-Total-Asset of 0.44 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 LT-Debt-to-Total-Asset for a Transportation company?

A good LT-Debt-to-Total-Asset depends on the Transportation industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Union Pacific and its competitors. Union Pacific's current LT-Debt-to-Total-Asset is 0.44. 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?

Based on GuruFocus' analysis, Union Pacific (BSP:UPAC34) is currently considered Modestly Overvalued. The stock's GF Value™ is R$324.65, compared to a current price of R$360.86 — trading 11.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.44. Union Pacific's overall GF Score™ is 79/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Union Pacific (BSP:UPAC34), the current LT-Debt-to-Total-Asset is 0.44 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 (BSP:UPAC34) Overvalued in 2026?

Based on GuruFocus' analysis, Union Pacific stock appears to be overvalued. The current stock price of R$360.86 is trading 11.2% above its estimated GF Value™ of R$324.65. GuruFocus considers Union Pacific to be Modestly Overvalued.

Key valuation signals for BSP:UPAC34:

LT-Debt-to-Total-Asset: 0.44
GF Value™: R$324.65 vs. price of R$360.86 (11.2% above fair value)
GF Score™: 79/100 with 5 warning signs

No single metric tells the full story. See the BSP:UPAC34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Union Pacific Business Description

Industry Industrials Transportation

Comparable Companies CSX NSC WAB TRN GBX FSTR RAIL SWVL RVSN PNYG TSX:CP TSX:CNR SHSE:601816 HKSE:00066 TSE:9020 HKSE:01766 TSE:9022 SHSE:601006 XKRX:064350 XPAR:GET

Other Exchanges UNP:USA UNP:Mexico 1UNP:Italy 0R2E:UK UNP:Germany UNP:Canada UNPC:Austria

Address 1400 Douglas Street, Omaha, NE, USA, 68179

Website https://www.up.com

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.

79GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$360.86

Price

R$324.65

GF Value

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