📊 SAIA Key Takeaways
Is Saia Inc. (SAIA) a Good Investment?
SAIA demonstrates strong financial stability with robust free cash flow generation ($73.5M) and a fortress balance sheet (Debt/Equity 0.04x, Interest Coverage 26.0x), but faces fundamental headwinds with flat revenue growth, weak capital returns (ROE 1.9%, ROA 1.4%), and declining EPS (-29.5% YoY) despite stable net income. The company generates quality cash but lacks growth momentum and struggles to deploy capital efficiently.
Saia Inc. Key Strengths (SAIA)
- Excellent balance sheet strength with minimal leverage and 26.0x interest coverage ratio
- Solid free cash flow generation of $73.5M with 9.1% FCF margin, enabling capital allocation flexibility
- Operating cash flow of $139.6M significantly exceeds net income, indicating quality earnings and low capital requirements
- Adequate liquidity with 1.52x current ratio and quick ratio, supporting operational stability
SAIA Stock Risks: Saia Inc. Investment Risks
- Zero revenue growth (0.0% YoY) signals market stagnation or competitive pressures in trucking sector
- Severely depressed returns on capital (ROE 1.9%, ROA 1.4%) indicate poor efficiency in deploying shareholders' capital
- EPS declining 29.5% YoY despite flat net income suggests share dilution or prior period comparison issues
- Low cash position ($39.2M = 4.9% of annual revenue) limits flexibility for downturns in capital-intensive trucking industry
Key Metrics to Watch
- Revenue growth trajectory - need evidence of demand recovery to justify capital allocation
- Operating margin stability - monitor for pricing power and cost management amid flat volumes
- Return on equity improvement - track whether management can generate better returns on the $2.6B equity base
- Free cash flow sustainability - ensure cash generation continues given CapEx intensity
- Debt levels and leverage ratio - watch for any balance sheet deterioration in a cyclical industry
Saia Inc. (SAIA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Saia Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
SAIA Profit Margin, ROE & Profitability Analysis
SAIA vs Automotive Sector: How Saia Inc. Compares
How Saia Inc. compares to Automotive sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Saia Inc. Stock Overvalued? SAIA Valuation Analysis 2026
Based on fundamental analysis, Saia Inc. has mixed fundamental signals relative to the Automotive sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Saia Inc. Balance Sheet: SAIA Debt, Cash & Liquidity
SAIA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Saia Inc.'s revenue has grown significantly by 41% over the 5-year period, indicating strong business expansion. The most recent EPS of $13.26 reflects profitable operations.
SAIA Revenue Growth, EPS Growth & YoY Performance
SAIA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $787.6M | $49.8M | $1.86 |
| Q3 2025 | $839.6M | $49.8M | $3.22 |
| Q2 2025 | $817.1M | $49.8M | $2.67 |
| Q1 2025 | $754.8M | $49.8M | $1.86 |
| Q3 2024 | $775.1M | $76.1M | $3.46 |
| Q2 2024 | $694.6M | $76.1M | $3.42 |
| Q1 2024 | $660.5M | $76.1M | $2.85 |
| Q3 2023 | $729.6M | $76.1M | $3.67 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Saia Inc. Dividends, Buybacks & Capital Allocation
SAIA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Saia Inc. (CIK: 0001177702)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SAIA
What is the AI rating for SAIA?
Saia Inc. (SAIA) has an AI grade of B with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SAIA's key strengths?
Claude: Excellent balance sheet strength with minimal leverage and 26.0x interest coverage ratio. Solid free cash flow generation of $73.5M with 9.1% FCF margin, enabling capital allocation flexibility.
What are the risks of investing in SAIA?
Claude: Zero revenue growth (0.0% YoY) signals market stagnation or competitive pressures in trucking sector. Severely depressed returns on capital (ROE 1.9%, ROA 1.4%) indicate poor efficiency in deploying shareholders' capital.
What is SAIA's revenue and growth?
Saia Inc. reported revenue of $806.2M.
Does SAIA pay dividends?
Saia Inc. does not currently pay dividends.
Where can I find SAIA SEC filings?
Official SEC filings for Saia Inc. (CIK: 0001177702) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SAIA's EPS?
Saia Inc. has a diluted EPS of $1.86.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SAIA's fundamental grade?
Based on our AI fundamental analysis in May 2026, Saia Inc. has a B grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SAIA stock overvalued or undervalued?
Valuation metrics for SAIA: ROE of 1.9% (sector avg: 12%), net margin of 6.2% (sector avg: 6%). Compare these metrics with sector averages to assess valuation.
What is SAIA's AI grade for 2026?
Our dual AI analysis gives Saia Inc. a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is SAIA's free cash flow?
Saia Inc.'s operating cash flow is $139.6M, with capital expenditures of $66.1M. FCF margin is 9.1%.
How does SAIA compare to other Automotive stocks?
Vs Automotive sector averages: Net margin 6.2% (avg: 6%), ROE 1.9% (avg: 12%), current ratio 1.52 (avg: 1.2).