📊 SAIA Key Takeaways
Is Saia Inc. (SAIA) a Good Investment?
SAIA demonstrates financial stability with strong operating cash flow, low leverage, and solid profitability margins, but faces significant headwinds with zero revenue and net income growth, declining diluted EPS (-29.5% YoY), and critically weak free cash flow generation of only $27.3M (0.8% FCF margin). Heavy capital expenditure requirements and minimal cash position limit financial flexibility in a stagnant operating environment.
Why Buy Saia Inc. Stock? SAIA Key Strengths
- Strong operating cash flow of $595M with excellent interest coverage ratio of 21.4x
- Conservative balance sheet with very low leverage (0.06x Debt/Equity) providing financial flexibility
- Solid liquidity position with 1.64x current ratio and reasonable operating margin of 10.9%
SAIA Stock Risks: Saia Inc. Investment Risks
- Zero revenue growth (0.0% YoY) and flat net income with declining diluted EPS (-29.5%), indicating deteriorating per-share value
- Critically low free cash flow of $27.3M with FCF margin of only 0.8%, limiting capacity for dividends, buybacks, or investment
- Minimal cash reserves of $19.7M despite capital-intensive business requiring heavy CapEx ($567.6M), constraining financial flexibility in economic downturns
Key Metrics to Watch
- Operating cash flow sustainability and CapEx trends to assess free cash flow trajectory
- Revenue growth acceleration and pricing power in trucking cycle
- Diluted EPS trajectory and share count changes to evaluate shareholder value creation
Saia Inc. (SAIA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 0.8% FCF margin may limit capital allocation flexibility.
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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $694.6M | $76.1M | $3.42 |
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 rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SAIA's key strengths?
Claude: Strong operating cash flow of $595M with excellent interest coverage ratio of 21.4x. Conservative balance sheet with very low leverage (0.06x Debt/Equity) providing financial flexibility.
What are the risks of investing in SAIA?
Claude: Zero revenue growth (0.0% YoY) and flat net income with declining diluted EPS (-29.5%), indicating deteriorating per-share value. Critically low free cash flow of $27.3M with FCF margin of only 0.8%, limiting capacity for dividends, buybacks, or investment.
What is SAIA's revenue and growth?
Saia Inc. reported revenue of $3.2B.
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 $9.52.
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 rating reflects both perspectives for balanced insights.
Is SAIA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Saia Inc. has a HOLD rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is SAIA stock overvalued or undervalued?
Valuation metrics for SAIA: ROE of 9.9% (sector avg: 12%), net margin of 7.9% (sector avg: 6%). Compare these metrics with sector averages to assess valuation.
Should I buy SAIA stock in 2026?
Our dual AI analysis gives Saia Inc. a combined HOLD rating 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 $595.0M, with capital expenditures of $567.6M. FCF margin is 0.8%.
How does SAIA compare to other Automotive stocks?
Vs Automotive sector averages: Net margin 7.9% (avg: 6%), ROE 9.9% (avg: 12%), current ratio 1.64 (avg: 1.2).