Union PacificBSP:UPAC34 79 ROA % is 9.56% as of Mar. 2026, which is 5% below its 10-year median of 10.11. GuruFocus rates BSP:UPAC34 with a GF Score™ of 79/100 and a GF Value™ of R$308.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,015 Transportation companies, Union Pacific ranks better than 87.98% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Union Pacific's annualizedNet Income for the quarter that ended in Mar. 2026 was R$35,582 Mil.
Union Pacific's average Total Assets over the quarter that ended in Mar. 2026 was R$372,231 Mil. Therefore, Union Pacific's annualized ROA % for the quarter that ended in Mar. 2026 was 9.56%.
The historical rank and industry rank for Union Pacific's ROA % or its related term are showing as below:
BSP:UPAC34'
s ROA % Range Over the Past 10 Years
Min: 7.67 Med: 10.11 Max: 18.87
Current: 10.45
During the past 13 years, Union Pacific's highest ROA % was 18.87%. The lowest was 7.67%. And the median was 10.11%.
BSP:UPAC34's ROA % is ranked better than 87.98% of 1015
companies
in the Transportation industry
Industry Median: 3.45
vs BSP:UPAC34: 10.45
Union Pacific (BSP:UPAC34) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Union Pacific ROA % Related Terms
Union Pacific ROA % Historical Data
* Premium members only.
The historical data trend for Union Pacific's ROA % 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.
For the Railroads subindustry, Union Pacific's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Transportation Industry
For the Transportation industry and Industrials sector, Union Pacific's ROA % distribution charts can be found below:
* The bar in red indicates where Union Pacific's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Union Pacific (BSP:UPAC34) has a ROA % of 9.56% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Union Pacific and its competitors. This is near median its historical median of 10.11. Over the past decade, Union Pacific's ROA % has ranged from 7.67 to 18.87. According to the industry distribution chart, Union Pacific ranks #122 out of 1015 companies in the Transportation industry, placing it in the top 12%.
Is Union Pacific's ROA % too high?
Union Pacific's current ROA % of 9.56% is near median its 10-year median of 10.11. Over the past 10 years, this metric has ranged from a low of 7.67 to a high of 18.87. The Transportation industry median ROA % is 3.45. Union Pacific's value of 9.56% is 177.1% above this industry median. Based on the distribution chart, Union Pacific ranks #122 out of 1015 companies in the Transportation industry, which is in the top quartile — a strong position relative to peers. Overall, Union Pacific has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Pacific's ROA % compare to CSX and NSC?
According to the Transportation industry distribution chart, Union Pacific ranks #122 out of 1015 companies for ROA %. This places Union Pacific in the top 12% of its industry — outperforming the majority of peers. The industry median ROA % is 3.45. Union Pacific's value of 9.56% is 177.1% above this benchmark. Historically, Union Pacific's own ROA % has ranged from 7.67 to 18.87 over the past decade. While the company's 10-year median is 10.11 vs. the industry median of 3.45, Union Pacific has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Transportation company?
The median ROA % among Transportation companies is 3.45, based on 1,015 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Pacific's current ROA % of 9.56% is 177.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Union Pacific and its competitors. For the Transportation industry, the median ROA % is 3.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Pacific's current ROA % is 9.56%, which is near median its own 10-year median of 10.11. 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 Fairly Valued. The stock's GF Value™ is R$308.17, compared to a current price of R$336.50 — trading 9.2% above its estimated fair value. The current ROA % is 9.56%, which is near median its 10-year median of 10.11 and 177.1% above the Transportation industry median of 3.45. Union Pacific's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Union Pacific (BSP:UPAC34), the current ROA % is 9.56% 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$336.50 is trading 9.2% above its estimated GF Value™ of R$308.17.
GuruFocus considers Union Pacific to be Fairly Valued.
Key valuation signals for BSP:UPAC34:
ROA %: 9.56% (near median its 10-year median of 10.11)
GF Value™: R$308.17 vs. price of R$336.50 (9.2% above fair value)
Industry Position: 177.1% above the Transportation median (#122 of 1015)
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.
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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