Sifting through countless of stocks in the Ground Transportation industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Union Pacific Corporation or U-Haul Holding Company because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Union Pacific Corporation and U-Haul Holding Company compare based on key financial metrics to determine which better meets your investment needs.

About Union Pacific Corporation and U-Haul Holding Company

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. It offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, and ethanol and renewable biofuel producers; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, petroleum, liquid petroleum gases, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

U-Haul Holding Company operates as a do-it-yourself moving and storage operator for household and commercial goods in the United States and Canada. It operates through three segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. It rents trucks, trailers, fixed and portable moving and storage units, specialty rental items, and self-storage spaces primarily to the household movers; and sells moving supplies, towing accessories, and propane. The company provides uhaul.com, an online marketplace that connects consumers to independent moving help service providers and independent self-storage affiliates; auto transport and toy hauler, and tow dolly options to transport the vehicles; and specialty boxes for dishes, computers, flat screen television, tapes, security locks, and packing supplies. In addition, it rents self-moving products and services through a network of managed retail stores and independent U-Haul dealers, and rents equipment. Further, the company provides moving and storage protection packages, such as Safemove and Safetow packages, which offer moving and towing customers with a damage waiver, cargo protection, and medical and life insurance coverage; Safestor that protects storage and U-Box customers from loss on their goods in storage; Safehaul, which protect customers’ belongings in transit through its U-Box portable moving and storage units; Safemove Plus, which provides rental customers with a layer of primary liability protection; Safetrip, a supplemental roadside protection for the customers equipment; and loss adjusting and claims handling services. Additionally, it offers life and health insurance products to senior market through direct writing and reinsuring of life insurance, Medicare supplement, and annuity policies. The company was formerly known as AMERCO and changed its name to U-Haul Holding Company in December 2022. U-Haul Holding Company was founded in 1945 and is based in Reno, Nevada.

Latest Ground Transportation and Union Pacific Corporation, U-Haul Holding Company Stock News

As of September 2, 2026, Union Pacific Corporation had a $172.1 billion market capitalization, compared to the Ground Transportation median of $4.9 million. Union Pacific Corporation’s stock is NA in 2026, NA in the previous five trading days and up 30.52% in the past year.

Currently, Union Pacific Corporation’s price-earnings ratio is 23.5. Union Pacific Corporation’s trailing 12-month revenue is $25.4 billion with a 28.8% net profit margin. Year-over-year quarterly sales growth most recently was 11.5%. Analysts expect adjusted earnings to reach $13.053 per share for the current fiscal year. Union Pacific Corporation currently has a 2.0% dividend yield.

Currently, U-Haul Holding Company’s price-earnings ratio is 204.8. U-Haul Holding Company’s trailing 12-month revenue is $6.1 billion with a 1.0% net profit margin. Year-over-year quarterly sales growth most recently was 3.2%. Analysts expect adjusted earnings to reach $1.120 per share for the current fiscal year. U-Haul Holding Company does not currently pay a dividend.

How We Compare Union Pacific Corporation and U-Haul Holding Company Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Union Pacific Corporation and U-Haul Holding Company’s stock grades to see how they measure up against one another.

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Union Pacific Corporation and U-Haul Holding Company Stock Value Grades

Company	Ticker	Value
Union Pacific Corporation	UNP	D
U-Haul Holding Company	UHAL	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Union Pacific Corporation has a Value Score of 21, which is Expensive. U-Haul Holding Company has a Value Score of 39, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Union Pacific Corporation or U-Haul Holding Company has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Union Pacific Corporation or U-Haul Holding Company is the better investment when it comes to value.

Union Pacific Corporation and U-Haul Holding Company’s Quality Grades

Company	Ticker	Quality
Union Pacific Corporation	UNP	A
U-Haul Holding Company	UHAL	C

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Union Pacific Corporation has a Quality Score of 91, which is Very Strong. U-Haul Holding Company has a Quality Score of 47, which is Average.

The Quality Grade Winner: Union Pacific Corporation

As you can clearly see from the Quality Grade breakdown above, Union Pacific Corporation has a better overall quality grade than U-Haul Holding Company. For investors who are looking for companies with higher quality than others in the same industry, Union Pacific Corporation could be a good stock to add to their portfolios. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Union Pacific Corporation and U-Haul Holding Company’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Union Pacific Corporation	UNP	C
U-Haul Holding Company	UHAL	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Union Pacific Corporation has a Earnings Estimate Score of 60, which is Neutral. U-Haul Holding Company has a Earnings Estimate Score of 37, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Union Pacific Corporation or U-Haul Holding Company has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Union Pacific Corporation or U-Haul Holding Company is the better investment when it comes to estimate revisions.

Other Union Pacific Corporation and U-Haul Holding Company Grades

In addition to Value, Quality and Estimate Revisions, A+ Investor also provides grades for Growth and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Union Pacific Corporation and U-Haul Holding Company pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Union Pacific Corporation or U-Haul Holding Company Stock?

Overall, Union Pacific Corporation stock has a Value Score of 21, Estimate Revisions Score of 60 and Quality Score of 91.

U-Haul Holding Company stock has a Value Score of 39, Estimate Revisions Score of 37 and Quality Score of 47.

Comparing Union Pacific Corporation and U-Haul Holding Company’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.