Meridian™
Universe

UNP · CIK 0000100885 · FY2025 live · 2025-12-31

UNION PACIFIC CORP

SafeSEC 10-KZ″Industrials82nd percentile in Industrials · 489 names

View as

Model

Z″

FY2025

4.54

Zone

Safe

vs FY2024

+0.18

Market DD

—

1y PD

—

4.54

Classic Z 2.42

−21.12.68+

Z″ 4.54 · distress below 1.10, grey to 2.60, safe above.

Z″ factor contributions

  • X1 Working capital / assets

    Short-term liquidity. Carries more weight in Z″ than in classic Z.

    −0.01
    6.56 × = −0.04

  • X2 Retained earnings / assets

    Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.

    1.00
    3.26 × = 3.25

  • X3 EBIT / assets

    Operating return on assets. Highest weight in Z″.

    0.14
    6.72 × = 0.95

  • X4 Book equity / liabilities

    Book equity versus the liability stack. Sales / assets is omitted so asset-light names keep turnover from dragging the score.

    0.36
    1.05 × = 0.38

Five-year path

Z″ plus liquidity (working capital / assets) and earnings (EBIT / assets) over the last 5 annual filings.

Meridian Rank

73.40

0–100 · Z″ family

  • Book standing

    82

  • Year change

    58

  • Market PD

    —

  • O-score

    71

Events on this name

Same published rows as Today.

  • Approaching grey

    watch · 37

    • Live score: 4.35 → 4.54
    • Cut: — → 1.10

Overview

rule-v1

UNION PACIFIC CORP is on Z″ at 4.54 (safe) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print. Versus FY2024 the live print is still safe (+0.18 from 4.35). No market tape loaded. Z″ omits sales/assets so asset-light names keep turnover from dragging the score. X4 is book equity on every name.

Book screen Safe; market PD —. Market PD has not been priced on this name.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Z″ scores · 82nd percentile in Industrials.

Filing line items

Current assets

$4.6B

Total assets

$69.7B

Current liabilities

$5.0B

Total liabilities

$51.2B

Working capital

−$459M

Retained earnings

$69.5B

EBIT

$9.8B

Total sales

$24.5B

Book equity

$18.5B

Accession 0000100885-26-000037. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Z″ is the live score. View as is a display overlay. X4 is book equity. Pulled 13 Sept 2026.