Overview Dividends

(SAIA) Saia - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US78709Y1055

LTL Services, Expedited, Logistics, Non-Asset Truckload

SAIA EPS (Earnings per Share)

EPS Growth (3Y CAGR): 2.15%
EPS Trend (3Y Correlation): -33.5%

SAIA Revenue

Revenue Growth (3Y CAGR): 9.41%
Revenue Trend (3Y Correlation): 86.7%

Risk via 10d forecast
Volatility	47.8%
Value at Risk 5%th	69.8%
Relative Tail Risk	-11.19%

Reward TTM
Sharpe Ratio	-0.93
Alpha	-69.30

Character TTM
Hurst Exponent	0.316
Beta	1.458
Beta Downside	1.167

Drawdowns 3y
Max DD	60.94%
Mean DD	21.54%
Median DD	14.26%

Description: SAIA Saia November 03, 2025

Saia Inc. (NASDAQ: SAIA) is a North-American less-than-truckload (LTL) carrier that moves shipments ranging from 100 lb to 10,000 lb. In addition to core LTL services, the firm offers non-asset truckload, expedited, and logistics solutions, leveraging a network of 214 owned and leased terminals and a fleet of roughly 6,600 tractors and 26,200 trailers as of 12 Dec 2024.

According to its most recent Form 10-K (FY 2023), Saia generated approximately $2.5 billion in revenue with an operating ratio near 95 %, indicating modest profitability relative to peers. The company’s capacity utilization averaged 78 % in 2023, and its trailer utilization has been trending upward as e-commerce demand lifts volume density on LTL routes.

Key macro drivers for Saia’s segment include sustained e-commerce growth (U.S. online retail sales have risen ~5 % YoY in 2023), a persistent driver shortage that pressures labor costs, and volatile fuel prices that directly affect operating margins. Saia’s strategy of expanding its value-added services (e.g., time-critical freight) aims to capture higher-margin business amid these headwinds.

For a data-rich, side-by-side comparison of Saia’s valuation metrics against industry peers, you may find ValueRay’s analytics platform a useful next step.

SAIA Stock Overview

Market Cap in USD	7,246m
Sub-Industry	Cargo Ground Transportation
IPO / Inception	2002-09-11
Return 12m vs S&P 500	-55.8%
Analyst Rating	3.91 of 5

SAIA Dividends

Currently no dividends paid

SAIA Growth Ratios

CAGR 3y	4.30%
CAGR/Max DD Calmar Ratio	0.07
CAGR/Mean DD Pain Ratio	0.20
Current Volume	417.9k
Average Volume	483.3k

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (283.6m TTM) > 0 and > 6% of Revenue (6% = 194.0m TTM)

FCFTA -0.00 (>2.0%) and ΔFCFTA 12.39pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 6.22% (prev 2.86%; Δ 3.36pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.18 (>3.0%) and CFO 622.4m > Net Income 283.6m (YES >=105%, WARN >=100%)

Net Debt (312.9m) to EBITDA (630.9m) ratio: 0.50 <= 3.0 (WARN <= 3.5)

Current Ratio 1.68 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (26.8m) change vs 12m ago 0.00% (target <= -2.0% for YES)

Gross Margin 19.11% (prev 20.40%; Δ -1.28pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 98.23% (prev 102.9%; Δ -4.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 23.73 (EBITDA TTM 630.9m / Interest Expense TTM 16.5m) >= 6 (WARN >= 3)

Altman Z'' 5.66

(A) 0.06 = (Total Current Assets 497.0m - Total Current Liabilities 295.9m) / Total Assets 3.50b

(B) 0.64 = Retained Earnings (Balance) 2.23b / Total Assets 3.50b

(D) 2.29 = Book Value of Equity 2.23b / Total Liabilities 974.9m

Total Rating: 5.66 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.52

1. Piotroski 5.0pt = 0.0

2. FCF Yield -0.18% = -0.09

3. FCF Margin -0.42% = -0.16

4. Debt/Equity 0.14 = 2.49

5. Debt/Ebitda 0.50 = 2.31

6. ROIC - WACC (= 0.13)% = 0.16

7. RoE 11.78% = 0.98

8. Rev. Trend 86.67% = 6.50

9. EPS Trend -33.46% = -1.67

What is the price of SAIA shares?

As of November 18, 2025, the stock is trading at USD 267.92 with a total of 417,881 shares traded.
Over the past week, the price has changed by -5.51%, over one month by -14.46%, over three months by -11.30% and over the past year by -49.38%.

Is Saia a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Saia is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.52 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SAIA is around 209.19 USD . This means that SAIA is currently overvalued and has a potential downside of -21.92%.

Is SAIA a buy, sell or hold?

Saia has received a consensus analysts rating of 3.91. Therefore, it is recommended to buy SAIA.

Strong Buy: 8
Buy: 4
Hold: 10
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the SAIA price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	323.4	20.7%
Analysts Target Price	323.4	20.7%
ValueRay Target Price	238.3	-11.1%

SAIA Fundamental Data Overview November 17, 2025

Market Cap USD = 7.25b (7.25b USD * 1.0 USD.USD)
P/E Trailing = 25.3233
P/E Forward = 24.3309
P/S = 2.2411
P/B = 2.8258
P/EG = 2.9559
Beta = 2.101
Revenue TTM = 3.23b USD
EBIT TTM = 391.2m USD
EBITDA TTM = 630.9m USD
Long Term Debt = 218.0m USD (from longTermDebt, last quarter)
Short Term Debt = 28.2m USD (from shortTermDebt, last quarter)
Debt = 348.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 312.9m USD (from netDebt column, last quarter)
Enterprise Value = 7.56b USD (7.25b + Debt 348.4m - CCE 35.5m)
Interest Coverage Ratio = 23.73 (Ebit TTM 391.2m / Interest Expense TTM 16.5m)
FCF Yield = -0.18% (FCF TTM -13.7m / Enterprise Value 7.56b)
FCF Margin = -0.42% (FCF TTM -13.7m / Revenue TTM 3.23b)
Net Margin = 8.77% (Net Income TTM 283.6m / Revenue TTM 3.23b)
Gross Margin = 19.11% ((Revenue TTM 3.23b - Cost of Revenue TTM 2.62b) / Revenue TTM)
Gross Margin QoQ = 25.43% (prev 17.65%)
Tobins Q-Ratio = 2.16 (Enterprise Value 7.56b / Total Assets 3.50b)
Interest Expense / Debt = 1.29% (Interest Expense 4.48m / Debt 348.4m)
Taxrate = 24.83% (28.5m / 114.8m)
NOPAT = 294.1m (EBIT 391.2m * (1 - 24.83%))
Current Ratio = 1.68 (Total Current Assets 497.0m / Total Current Liabilities 295.9m)
Debt / Equity = 0.14 (Debt 348.4m / totalStockholderEquity, last quarter 2.53b)
Debt / EBITDA = 0.50 (Net Debt 312.9m / EBITDA 630.9m)
Debt / FCF = -22.90 (negative FCF - burning cash) (Net Debt 312.9m / FCF TTM -13.7m)
Total Stockholder Equity = 2.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.10% (Net Income 283.6m / Total Assets 3.50b)
RoE = 11.78% (Net Income TTM 283.6m / Total Stockholder Equity 2.41b)
RoCE = 14.90% (EBIT 391.2m / Capital Employed (Equity 2.41b + L.T.Debt 218.0m))
RoIC = 11.04% (NOPAT 294.1m / Invested Capital 2.66b)
WACC = 10.91% (E(7.25b)/V(7.59b) * Re(11.39%) + D(348.4m)/V(7.59b) * Rd(1.29%) * (1-Tc(0.25)))
Discount Rate = 11.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.01%
Fair Price DCF = unknown (Cash Flow -13.7m)
EPS Correlation: -33.46 | EPS CAGR: 2.15% | SUE: 0.70 | # QB: 0
Revenue Correlation: 86.67 | Revenue CAGR: 9.41% | SUE: 0.65 | # QB: 0

Additional Sources for SAIA Stock

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