SNDRMEDIUM SIGNALFINANCIAL10-K

SNDR shows strong liquidity improvement with 58% cash increase and 21% debt reduction, but profitability declined 11% despite the strengthened balance sheet.

The company has significantly improved its financial flexibility by building cash reserves and reducing debt burdens, which positions it well for growth investments or economic uncertainties. However, the decline in net income coupled with increased interest expense suggests either margin pressure or strategic investments that haven't yet translated to bottom-line results.

Comparing 2026-02-20 vs 2025-02-21View on EDGAR →
FINANCIAL ANALYSIS

SNDR's balance sheet strengthened considerably with cash surging 58% to $386M while total debt fell 15% to $305M and current liabilities dropped 21%, indicating improved liquidity management. However, profitability weakened as net income declined 11% to $104M and interest expense jumped 48% to $14M, suggesting either operational headwinds or costs from strategic initiatives. The company also reduced share buybacks by half, likely preserving cash for other priorities, while the overall picture shows a business prioritizing financial flexibility over immediate shareholder returns.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+57.6%
$244.8M$385.7M

Cash position surged 57.6% — strong cash generation or capital raise providing significant financial cushion.

Share Buybacks
Cash Flow
-50.5%
$29.5M$14.6M

Buyback activity reduced 50.5% — capital being redeployed elsewhere or cash conservation underway.

Interest Expense
P&L
+47.9%
$9.6M$14.2M

Interest expense surged 47.9% — significant debt increase or rising rates materially impacting earnings.

Current Liabilities
Balance Sheet
-21.1%
$704.5M$555.8M

Current liabilities reduced — improved short-term financial position and working capital health.

Total Debt
Balance Sheet
-15.3%
$360.0M$305.0M

Debt reduced 15.3% — deleveraging strengthens balance sheet and reduces financial risk.

Net Income
P&L
-11.5%
$117.0M$103.6M

Net income declined 11.5% — review whether driven by operations, interest costs, or non-recurring items.

Inventory
Balance Sheet
+11.1%
$89.8M$99.8M

Inventory built 11.1% — monitor whether demand supports this build or if write-downs may follow.

LANGUAGE CHANGES
NEW — 2026-02-20
PRIOR — 2025-02-21
ADDED
As of February 19, 2026, the registrant had 83,029,500 shares of Class A common stock, no par value, outstanding and 92,307,016 shares of Class B common stock, no par value, outstanding.
In logistics and supply chain management, it means a third-party provider to whom elements of the company s inventory management, distribution, order fulfillment, warehousing, or supply chain management services have been outsourced.
ACF Advanced Clean Fleets AI Artificial intelligence ASC Accounting Standards Codification ASU Accounting Standards Update BEV Battery-electric vehicle Board Board of Directors BRG Business Resource Group CARB California Air Resources Board CO 2 Carbon dioxide CAT CDL Apprenticeship Training CCA Cloud Computing Arrangement CDL Commercial Driver s License CEO Chief Executive Officer CFO Chief Financial Officer ChemDirect Fortem Invenio, Inc.
and its subsidiaries (collectively Schneider, the Company, we, us, or our ) are among North America s leading providers of multimodal transportation and logistics solutions.
Our comprehensive and diverse portfolio spans truckload, intermodal, and logistics services, delivering flexible options to meet the needs of a broad customer base across the U.S., Canada, and Mexico.
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REMOVED
As of February 19, 2025, the registrant had 83,029,500 shares of Class A common stock, no par value, outstanding and 92,458,180 shares of Class B common stock, no par value, outstanding.
In logistics and supply chain management, it means a company s use of third-party businesses, the 3PL(s), to outsource elements of the company s distribution, fulfillment, and supply chain management services.
ACF Advanced Clean Fleets ACT Advanced Clean Trucks ASC Accounting Standards Codification ASU Accounting Standards Update BEV Battery-electric vehicle Board Board of Directors BRG Business Resource Group CARB California Air Resources Board CO 2 Carbon dioxide CAT CDL Apprenticeship Training CCA Cloud Computing Arrangement CDL Commercial Driver s License ChemDirect Fortem Invenio, Inc.
CITO Chief Innovation and Technology Officer CODM Chief Operating Decision Maker Cowan Systems Cowan Systems, LLC; Cowan Transport Holdings, LLC; and Cowan Equipment Leasing, LLC deBoer deBoer Transportation, Inc.
Voting Trust VTL Van Truckload VCMDA Voluntary Carbon Market Disclosures Business Regulation Act WBCL Wisconsin Business Corporation Law WSL Watkins and Shepard Trucking, Inc.
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