Bill.com Holdings Inc vs Union Pacific Corporation — how do they compare? Bill.com Holdings Inc trades at $44.4 (market cap $4.12B), while Union Pacific Corporation trades at $288.52 (market cap $171.17B). The key difference: Union Pacific Corporation is far larger — about 41.5× Bill.com Holdings Inc's market cap, and Union Pacific Corporation pays a 1.91% dividend while Bill.com Holdings Inc pays none. Which is the better fit depends on your goals.
| BILL | UNP | |
|---|---|---|
Market Cap | $4.12B | $171.17B |
Sector | Technology | Industrials |
52-Week High | $56.32 | $289.13 |
52-Week Low | $31.96 | $214.91 |
Enterprise Value | $3.83B | $201.64B |
Dividend Yield | — | 1.91% |
Signals from Pluang's Aura AI — not financial advice
BILL Holdings trades at $42.86, up 3.63% today, with strong technical momentum and bullish analyst sentiment. The stock has consistently beaten earnings expectations in recent quarters, with Q1 2026 EPS of $0.68 surpassing the $0.55 estimate. Revenue growth is robust, rising from $642M in 2022 to $1.46B in 2025, though net margins remain thin at 0.01%. Recent leadership changes and a $1B buyback program signal strategic focus on growth and shareholder value.
Outlook is positive with a consensus price target of $48.00 implying 12% upside, supported by 56% analyst buy ratings. Key risks include high valuation multiples (P/E 213.91), competitive pressures in SaaS, and sensitivity to small business economic health. Cash flow trends show operational improvement, but investing outflows remain elevated.
Union Pacific (UNP) trades at $289.13, up 0.76% with a bullish technical signal. The company shows strong profitability with 29.2% net margins and 40.69% ROE, though valuation multiples remain elevated. Recent earnings beat expectations in Q1 2026, and the proposed Norfolk Southern merger represents a significant growth catalyst. Cash flow generation remains robust at $9.29B from operations in 2025.
Outlook remains positive with analyst consensus at Buy and $304.23 price target, though regulatory hurdles for the merger and elevated RSI levels pose near-term risks. The stock offers dividend growth potential with stable operational performance, but faces headwinds from industry consolidation concerns and potential legal liabilities from ongoing class action litigation.
Trailing returns across standard periods
Bill.com Holdings Inc is a provider of cloud-based software that simplifies, digitizes, and automates financial operations for SMBs. Its artificial-intelligence enabled financial software platform used mostly to build connections between customers, suppliers, and clients. The company's platform generates and process invoices, streamline approvals, send and receive payments, sync with their accounting system, and manage their cash. The firm generates revenue through subscription and transaction fees.
Read more on BILL →Omaha, Nebraska-based Union Pacific is the largest public railroad in North America. Operating on more than 30,000 miles of track in the western two thirds of the U.S., UP generated roughly $22 billion of revenue in 2021 by hauling coal, industrial products, intermodal containers, agriculture goods, chemicals, and automotive goods. UP owns about one fourth of Mexican railroad Ferromex and derives about 10% of its revenue hauling freight to and from Mexico.
Read more on UNP →