Company Analysis

Saia, Inc. (SAIA)

Nasdaq: SAIA · Trucking (No Local) · Johns Creek, GA · filing with the SEC since 2002
Grade6.6
◀ Past 6.6● Present 6.9▶ Future 6.4

The grade of Saia, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.6/10
◀ Past6.630% of the headline
● Present6.940% of the headline
▶ Future6.430% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.6/1030% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.7/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 77th percentile among 13 sector filers · read for itself

From the record

Saia, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
8.8/10

What has it actually done, year after year?

+11.1% a year over 10 filed years; profitable in 10 of 10.

weight 45% of this tense · 88th percentile among 13 sector filers · read for its customers

From the record

Saia, Inc.'s 10 filed years say what it did: revenue went from $1.3 billion in fiscal 2016 to $3.2 billion in fiscal 2025, up 11.1% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span11.1%top 12% of its family
  • the share of years revenue rosetop 4% of its family
  • the share of filed years with a profittop 31% of its family
  • the deepest fall from a revenue peak0.0%top 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
0.4/10

How has it treated the people who own it?

Share count grew 0.1% a year. 0% of cash flow returned. Insiders: 14 sales, 1 purchases.

weight 22% of this tense · 4th percentile among 13 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Saia, Inc.'s diluted share count grew about 0.1% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 14 sales and 1 purchase of their own stock on the open market in the year to 2026-11-04, buying about $117 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 4% of its family
  • cash returned against operating cash flowbottom 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.9/1040% of the headline grade · 3 of 3 filed

Financial health

as filed
6.0/10

Is it financially healthy right now?

ROE 10%: 10¢ of profit per shareholder dollar. Leverage 26%: owes 26¢ per asset dollar.

weight 33% of this tense · 60th percentile among 13 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Saia, Inc. earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 26 cents per dollar of assets, and net share issuance: its share count shrank 0.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 19% of its family
  • return on equitytop 27% of its family
  • the share count against the year beforebottom 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.8/10

How strong is its position in its industry?

top 22% of 13 in its family; net margin 7.9%.

weight 45% of this tense · 78th percentile among 13 sector filers · read for its customers

From the record

Saia, Inc.'s standing among 13 graded names in its industry family: revenue of $3.2 billion in fiscal 2025 ranks in the top 50% by size; a net margin of 7.9% ranks in the top 12%; revenue growth of 5% a year over the last 3 filed years ranks in the top 4% (its annual reports).

What it rests on

  • revenue against the family$3.23Btop 50% of its family
  • net margin7.9%top 12% of its family
  • three-year revenue growth5.0%top 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
6.3/10

What are the people in charge doing?

top 37% of 13 in its family for leadership; chief executive since 2021.

weight 22% of this tense · 63rd percentile among 13 sector filers · read for its shareholders

From the record

Saia, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Holzgrefe, Frederick J III (President & CEO, as filed), filing under that title since 2021-02-10, 5.8 years (top 35% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 7 years (bottom 35%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 12%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge3 in three years among 17 peopletop 12% of its family
  • the median years the people in charge have filed7.0 yearsbottom 35% of its family
  • the chief executive's years on the record5.8 yearstop 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.4/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
5.0/10

How much room does it have to grow?

top 50% of 13 in its family for room to expand.

weight 22% of this tense · 50th percentile among 13 sector filers · read for itself

From the record

Saia, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $20 million against debt of $163 million leaves -4.1% of its assets as net cash, top 42% of its family; cash from operations less capital spending is 0.8% of revenue (bottom 42%) (its annual report).

What it rests on

  • cash less debt against assets-4.1%top 42% of its family
  • cash from operations less capital spending against revenue0.8%bottom 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
8.3/10

What could actually drive growth from here?

top 17% of 13 in its family for growth drivers.

weight 45% of this tense · 83rd percentile among 13 sector filers · read for its customers

From the record

Saia, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 5% a year over the last three filed years against 11.1% over all 10, slowing (top 4% of its family); the newest year grew 0.8% (top 27%); capital spending grew 15.6% a year (top 21%) (its annual reports). Saia, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-6.1 points a yeartop 4% of its family
  • the newest year's revenue growth0.8%top 27% of its family
  • three-year growth of capital spending15.6%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.7/10

Did its newest year beat what its own record pointed to?

bottom 47% of 13 in its family for expectations against reality.

weight 33% of this tense · 47th percentile among 13 sector filers · read for its shareholders

From the record

Saia, Inc.'s newest year against its own record: revenue of $3.2 billion in fiscal 2025 came in 6% below the $3.4 billion its prior three years' pace pointed to (bottom 19% of its family); net income of $255 million against a prior three-year average of $358 million (top 19%); a net margin of 7.9% against 12.1% before (bottom 42%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-6.0%bottom 19% of its family
  • net income against the prior three years' average-29%top 19% of its family
  • net margin against its prior average-4.2 pointsbottom 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton SAIA · research, not advice