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SAIA · Nasdaq · United States · Trucking (No Local)
In shortSAIA INC is profitable, generates cash and carries moderate debt, with revenue stable (+0.8% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 10.9% | 53/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 7.9% | 52/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 10.4% | 52/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 9.7% | 65/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.64× | 70/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.06× | 100/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 0.24× | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 21.42× | 100/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 6.12 | 100/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 0.8% | 23/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.11× | 0/100 |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 11.0% | 70/100 |
| Operating margin volatility | 2.3% | 88/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 5.0% | 45/100 |
|---|---|---|
| EPS growth, 3-year average | -10.8% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 2,289 | 2,792 | 2,881 | 3,209 | 3,234 |
| Operating income | 335 | 470 | 460 | 482 | 352 |
| Interest expense | 3.2 | 2.6 | 2.5 | 8.9 | 16 |
| Pre-tax income | 333 | 468 | 466 | 476 | 337 |
| Income tax | 80 | 111 | 111 | 114 | 82 |
| Net income | 253 | 357 | 355 | 362 | 255 |
| Diluted EPS | $9.48 | $13.40 | $13.26 | $13.51 | $9.52 |
| Diluted shares (millions) | 27 | 27 | 27 | 27 | 27 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
6.12 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Jul 30, 2026