WallStSmart

Covenant Logistics Group, Inc. (CVLG)vsSaia Inc (SAIA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Saia Inc generates 171% more annual revenue ($3.25B vs $1.20B). SAIA leads profitability with a 7.8% profit margin vs 0.4%. SAIA trades at a lower P/E of 50.8x. SAIA earns a higher WallStSmart Score of 46/100 (D+).

CVLG

Hold

41

out of 100

Grade: D

Growth: 3.3Profit: 4.0Value: 3.0Quality: 5.0
Piotroski: 2/9Altman Z: 1.84

SAIA

Hold

46

out of 100

Grade: D+

Growth: 4.7Profit: 5.5Value: 3.0Quality: 8.0
Piotroski: 5/9Altman Z: 3.95
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVLGSignificantly Overvalued (-41.8%)

Margin of Safety

-41.8%

Fair Value

$20.63

Current Price

$43.52

$22.89 premium

UndervaluedFair: $20.63Overvalued

Intrinsic value data unavailable for SAIA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVLG1 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

SAIA2 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.9510/10

Safe zone — low bankruptcy risk

Areas to Watch

CVLG4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Market CapQuality
$1.09B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.3%3/10

ROE of 1.3% — below average capital efficiency

Profit MarginProfitability
0.4%3/10

0.4% margin — thin

SAIA4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
7.8%3/10

7.8% margin — thin

PEG RatioValuation
2.652/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CVLG

The strongest argument for CVLG centers on Price/Book. Revenue growth of 14.0% demonstrates continued momentum.

Bull Case : SAIA

The strongest argument for SAIA centers on Debt/Equity, Altman Z-Score.

Bear Case : CVLG

The primary concerns for CVLG are Altman Z-Score, Market Cap, Return on Equity. A P/E of 480.2x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.

Bear Case : SAIA

The primary concerns for SAIA are Revenue Growth, EPS Growth, Profit Margin. A P/E of 50.8x leaves little room for execution misses.

Key Dynamics to Monitor

SAIA carries more volatility with a beta of 2.12 — expect wider price swings.

CVLG is growing revenue faster at 14.0% — sustainability is the question.

SAIA generates stronger free cash flow (74M), providing more financial flexibility.

Monitor TRUCKING industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SAIA scores higher overall (46/100 vs 41/100). Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Covenant Logistics Group, Inc.

INDUSTRIALS · TRUCKING · USA

Covenant Logistics Group, Inc., provides transportation and logistics services in the United States. The company is headquartered in Chattanooga, Tennessee.

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Saia Inc

INDUSTRIALS · TRUCKING · USA

Saia, Inc., is a transportation company in North America. The company is headquartered in Johns Creek, Georgia.

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