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Union Pacific Corp (UNP) is not a strong buy at the moment for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The stock shows mixed signals with overbought technical indicators, neutral sentiment from hedge funds and insiders, and a lack of strong positive catalysts. While the company's financials show some growth in net income and EPS, revenue and gross margin have declined. Additionally, recent analyst ratings and price target adjustments are mixed, and Congress trading data reflects cautious sentiment with a recent sale. Given these factors, it is advisable to hold off on buying this stock for now.
The stock is currently overbought with an RSI of 85.618. The MACD is positive at 2.666, indicating bullish momentum, but it is contracting. Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), and the stock is trading near its resistance level (R1: 263.014). However, the overbought RSI suggests limited short-term upside.

Increased EPS (+6.87% YoY) and net income (+4.88% YoY) in Q4
Some analysts maintain Buy ratings with price targets slightly above the current price.
Revenue decline (-0.59% YoY) and gross margin drop (-2.18% YoY) in Q4
Congress trading data shows a recent sale, indicating cautious sentiment.
Overbought technical indicators (RSI 85.
suggest limited upside in the short term.
Mixed analyst ratings and price target adjustments, with some downgrades and neutral ratings.
In Q4 2025, Union Pacific reported a revenue decline of -0.59% YoY to $6.085 billion. However, net income increased by 4.88% YoY to $1.848 billion, and EPS rose by 6.87% YoY to $3.11. Gross margin dropped by 2.18% YoY to 68.96%.
Recent analyst ratings are mixed. JPMorgan and Goldman Sachs maintain Neutral ratings with slightly adjusted price targets. TD Cowen and Citi maintain Buy ratings with modest price target increases. Deutsche Bank downgraded the stock to Hold, citing concerns over merger opposition and less robust earnings beats.