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UHAL vs. UNP: U-Haul vs. Union Pacific Stock Comparison

How do U-Haul (UHAL) and Union Pacific (UNP) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

U-Haul (UHAL) and Union Pacific (UNP) both belong to the Ground Transportation industry, though UHAL is classified under Cargo Ground Transportation while UNP falls under Rail Transportation.

Company profile comparison for U-Haul (UHAL) and Union Pacific (UNP)
Profile ItemUHALUNP
NameU-Haul Holding CompanyUnion Pacific Corp.
Country/RegionUnited StatesUnited States
GICS SectorIndustrialsIndustrials
GICS Industry GroupTransportationTransportation
GICS IndustryGround TransportationGround Transportation
GICS Sub-IndustryCargo Ground TransportationRail Transportation
Market Capitalization11.01 billion USD172.38 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateNovember 4, 1994January 2, 1980
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

UHAL
UNP
GSPC
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U-Haul (UHAL) vs. Union Pacific (UNP), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for U-Haul (UHAL) and Union Pacific (UNP). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for U-Haul (UHAL) and Union Pacific (UNP). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
Total Return (1Y)7.10%36.74%
Total Return (3Y, Annualized)2.77%14.66%
Total Return (5Y, Annualized)-5.22%6.62%

Risk Profile

Drawdown History

UHAL
UNP
GSPC
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U-Haul (UHAL) vs. Union Pacific (UNP), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for U-Haul (UHAL) and Union Pacific (UNP). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
Volatility (1Y, Annualized)34.63%23.12%
Beta (5Y)1.060.84
Max Drawdown (5Y)-46.19%-31.83%
Avg. Volume (3M)147.08K2.49M

Risk-Adjusted Performance

Risk-Return Positioning

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UHAL and UNP are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
Sharpe Ratio (1Y)0.081.40
Sortino Ratio (1Y)0.122.22

Profitability

ROE (TTM)

Union Pacific (UNP) at 38.75% sits in the top ROE quartile, while U-Haul (UHAL) at 1.23% is in the bottom quartile, showing a clear gap in returns on equity.

UHAL

Transportation industry group

1.23%

Max
45.08%
Q3
22.02%
Median
13.94%
Q1
2.89%
UHAL
1.23%
Min
-10.45%

UNP

Transportation industry group

38.75%

Max
45.08%
UNP
38.75%
Q3
22.02%
Median
13.94%
Q1
2.89%
Min
-10.45%
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their ROE against the Transportation industry group benchmark.

Net Margin (TTM)

Union Pacific (UNP) at 28.90% keeps a top-quartile share of each sales dollar as profit, while U-Haul (UHAL) at 1.54% keeps a bottom-quartile share.

UHAL

Transportation industry group

1.54%

Max
50.36%
Q3
21.18%
Median
5.58%
Q1
1.55%
UHAL
1.54%
Min
-11.37%

UNP

Transportation industry group

28.90%

Max
50.36%
UNP
28.90%
Q3
21.18%
Median
5.58%
Q1
1.55%
Min
-11.37%
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their net margin against the Transportation industry group benchmark.

Operating Margin (TTM)

Union Pacific (UNP) at 41.34% operates in the top operating margin quartile, ahead of U-Haul (UHAL) at 14.92%, which runs around its industry’s norm.

UHAL

Transportation industry group

14.92%

Max
59.18%
Q3
29.30%
UHAL
14.92%
Median
11.50%
Q1
4.62%
Min
-8.91%

UNP

Transportation industry group

41.34%

Max
59.18%
UNP
41.34%
Q3
29.30%
Median
11.50%
Q1
4.62%
Min
-8.91%
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their operating margin against the Transportation industry group benchmark.

Profitability Metrics

Profitability metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
ROE (TTM)1.23%38.75%
ROA (TTM)1.39%9.51%
Net Margin (TTM)1.54%28.90%
Operating Margin (TTM)14.92%41.34%
Gross Margin (TTM)28.43%55.77%

Growth

Revenue Growth

Both U-Haul (UHAL) at 3.59% and Union Pacific (UNP) at 1.07% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their Revenue Growth across different time periods.

EPS Growth

Union Pacific (UNP) at 8.03% is around its peer norm for EPS growth, while U-Haul (UHAL) at -85.80% drops into the bottom quartile, signaling weaker earnings momentum.

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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
Revenue Growth (YoY)3.59%1.07%
Revenue Growth (3Y CAGR)0.97%-0.49%
EPS Growth (YoY)-85.80%8.03%
EPS Growth (3Y CAGR)-64.88%2.24%

Financial Strength

Current Ratio (MRQ)

Both U-Haul (UHAL) at 1.02 and Union Pacific (UNP) at 1.16 carry current ratio within their industries’ typical mid-ranges, suggesting balanced short-term liquidity relative to peers.

UHAL

Transportation industry group

1.02

Max
2.58
Q3
1.62
Median
1.16
UHAL
1.02
Q1
0.78
Min
0.22

UNP

Transportation industry group

1.16

Max
2.58
Q3
1.62
Median
1.16
UNP
1.16
Q1
0.78
Min
0.22
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their current ratio against the Transportation industry group benchmark.

Debt / Equity (MRQ)

U-Haul (UHAL) at 1.07 carries an industry-typical debt-to-equity mix, while Union Pacific (UNP) at 1.41 uses more debt funding than most peers.

UHAL

Transportation industry group

1.07

Max
2.75
Q3
1.37
UHAL
1.07
Median
0.78
Q1
0.35
Min
0.00

UNP

Transportation industry group

1.41

Max
2.75
UNP
1.41
Q3
1.37
Median
0.78
Q1
0.35
Min
0.00
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their debt-to-equity ratio against the Transportation industry group benchmark.

Financial Strength Metrics

Financial strength metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
Current Ratio (MRQ)1.021.16
Debt / Equity (MRQ)1.071.41
Net Debt / EBITDA9.162.11

Dividends

Dividend Yield (TTM)

U-Haul (UHAL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Union Pacific (UNP) reports a yield of 1.87%, ranking against industry peers normally.

UHAL

Transportation industry group

0.00%

Max
4.68%
Q3
1.99%
Median
0.74%
UHAL
0.00%
Q1
0.00%
Min
0.00%

UNP

Transportation industry group

1.87%

Max
4.68%
Q3
1.99%
UNP
1.87%
Median
0.74%
Q1
0.00%
Min
0.00%
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their dividend yield against the Transportation industry group benchmark.

Dividend Payout Ratio (TTM)

U-Haul (UHAL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Union Pacific (UNP) reports a payout of 43.37%, ranking against industry peers normally.

UHAL

Transportation industry group

0.00%

Max
100.89%
Q3
41.68%
Median
20.43%
UHAL
0.00%
Q1
0.00%
Min
0.00%

UNP

Transportation industry group

43.37%

Max
100.89%
UNP
43.37%
Q3
41.68%
Median
20.43%
Q1
0.00%
Min
0.00%
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their payout ratio against the Transportation industry group benchmark.

Dividend Metrics

Dividend metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
Dividend Yield (TTM)0.00%1.87%
Dividend Payout Ratio (TTM)0.00%43.37%

Valuation

P/E Ratio (TTM)

Union Pacific (UNP) at 22.63 is near its industry’s usual P/E ratio, while U-Haul (UHAL) at 183.03 sits above its peer range — an unusually expensive price for UHAL’s trailing earnings.

UHAL

Transportation industry group

183.03

UHAL
183.03
Max
46.76
Q3
30.87
Median
20.58
Q1
10.44
Min
0.00

UNP

Transportation industry group

22.63

Max
46.76
Q3
30.87
UNP
22.63
Median
20.58
Q1
10.44
Min
0.00
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their P/E ratio against the Transportation industry group benchmark.

P/S Ratio (TTM)

U-Haul (UHAL) at 1.79 prices around its industry’s typical P/S ratio, while Union Pacific (UNP) at 6.54 clears its benchmark range — UNP looks notably rich on sales.

UHAL

Transportation industry group

1.79

Max
4.35
Q3
2.07
UHAL
1.79
Median
0.93
Q1
0.53
Min
0.04

UNP

Transportation industry group

6.54

UNP
6.54
Max
4.35
Q3
2.07
Median
0.93
Q1
0.53
Min
0.04
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their P/S ratio against the Transportation industry group benchmark.

P/B Ratio (MRQ)

U-Haul (UHAL) at 1.40 sits near its industry’s typical P/B ratio, while Union Pacific (UNP) at 7.83 prices above its benchmark range — UNP looks rich relative to book.

UHAL

Transportation industry group

1.40

Max
6.29
Q3
3.39
Median
1.90
UHAL
1.40
Q1
1.03
Min
-2.07

UNP

Transportation industry group

7.83

UNP
7.83
Max
6.29
Q3
3.39
Median
1.90
Q1
1.03
Min
-2.07
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U-Haul (UHAL) vs. Union Pacific (UNP): A comparison of their P/B ratio against the Transportation industry group benchmark.

Valuation Metrics

Valuation metrics for U-Haul (UHAL) and Union Pacific (UNP)
MetricUHALUNP
P/E Ratio (TTM)183.0322.63
P/S Ratio (TTM)1.796.54
P/B Ratio (MRQ)1.407.83
Free Cash Flow Yield (TTM)-13.85%2.94%