SAIAHIGH SIGNALFINANCIAL10-K

SAIA's operating income declined 27% and net income dropped 30% despite flat revenue, indicating significant margin compression and operational efficiency deterioration.

The dramatic profit decline on flat revenue signals serious operational challenges, with the company unable to maintain pricing power or control costs effectively. The substantial reduction in capital expenditure (-46%) may indicate either cash flow constraints or a strategic pullback from growth investments, both concerning for a transportation company requiring continuous fleet modernization.

Comparing 2026-02-24 vs 2025-02-24View on EDGAR →
FINANCIAL ANALYSIS

SAIA experienced severe margin compression in 2025 with operating income falling 27% and net income declining 30% on flat $3.2B revenue, while interest expense nearly doubled to $16.4M. The company significantly reduced capital expenditure by 46% to $567.6M and decreased total debt by 16%, while stockholders equity grew modestly by 11.5%. This financial profile suggests operational struggles with profitability while the company conserves cash and deleverages, raising questions about competitive positioning and future growth capacity.

FINANCIAL STATEMENT CHANGES
Interest Expense
P&L
+84.1%
$8.9M$16.4M

Interest expense surged 84.1% — significant debt increase or rising rates materially impacting earnings.

Capital Expenditure
Cash Flow
-45.6%
$1.0B$567.6M

Capex reduced 45.6% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Net Income
P&L
-29.6%
$362.1M$255.0M

Net income declined 29.6% — review whether driven by operations, interest costs, or non-recurring items.

Operating Income
P&L
-27%
$482.2M$352.2M

Operating profitability softening — costs rising faster than revenue, watch for margin recovery plan.

Total Debt
Balance Sheet
-16%
$194.0M$163.0M

Debt reduced 16% — deleveraging strengthens balance sheet and reduces financial risk.

Stockholders Equity
Balance Sheet
+11.5%
$2.3B$2.6B

Equity base grew 11.5% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-02-24
ADDED
While approximately 97% of our revenue is derived from transporting LTL shipments, we also offer customers a wide range of other value-added services, including brokered truckload and expedited transportation and other logistics services across North America.
As of December 31, 2025, Saia operated a network comprised of 213 owned and leased terminals, plus three general offices and one warehouse.
At December 31, 2025, Saia LTL Freight owned approximately 7,700 tractors and 26,500 trailers, including equipment acquired with finance leases.
Investments in equipment and technology have supported this growth while maintaining and modernizing our fleet, resulting in improved fuel efficiency, enhanced safety features and reduced carbon emissions.
In addition, we have invested in technology to strengthen our network and operations, including network optimization, advanced data analytics for operational and profitability insights, customer service enhancements, training and streamlined business processes.
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REMOVED
While more than 97% of our revenue is derived from transporting LTL shipments, we also offer customers a wide range of other value-added services, including non-asset truckload, expedited and logistics services across North America.
As of December 31, 2024, Saia LTL Freight operated a network comprised of 214 owned and leased terminals, plus three general offices and one warehouse.
At December 31, 2024, Saia LTL Freight owned approximately 6,600 tractors and 26,200 trailers, including equipment acquired with finance leases.
Equipment and technology investments have been made to support this growth as well as improve our fleet.
The investments have provided us improved fuel economy, enhanced safety features across the fleet and reduced carbon emissions.
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