UNPNEUTRAL

UNP Debt-to-Equity Ratio Analysis

1.47x

Updated 273h ago·SEC filings & market data

Key Takeaway

A 1.47x debt-to-equity ratio means the company carries $1.47 of debt for every $1.00 of shareholder equity, a measure of how much leverage it uses to fund operations.

Sector Performance

76th percentile

UNP

1.47x

Sector Median

0.74x

Sector Avg

2.51x

Prior Period

1.58x(Jul 2026)

↑ Improving

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Deep Analysis

A 1.47x debt-to-equity ratio means the company carries $1.47 of debt for every $1.00 of shareholder equity, a measure of how much leverage it uses to fund operations.

That level is above the sector median of 0.74x, placing the company in the 76th percentile among peers, so its borrowing is higher than about three-quarters of comparable firms. The year-over-year change is not available, but the quarter-over-quarter change shows a -7.0% reduction, moving from 1.58x to 1.47x over the two most recent readings. The combination of a high but declining ratio suggests leverage is above peer norms yet actively being paid down, which points to manageable but ongoing financial risk. An investor should weigh the above-median debt load against the recent deleveraging momentum. On balance, this metric supports the NEUTRAL verdict because the elevated leverage is tempered by the improving quarterly trend.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about UNP?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

Who are UNP's closest peers by Debt-to-Equity Ratio?

The closest peers by Debt-to-Equity Ratio include: TAP (0.76x), PCAR (0.72x), O (0.78x), PRU (0.78x), KIM (0.85x).

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Learn More About Debt-to-Equity Ratio

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Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.