WallStSmart

Saia Inc (SAIA)vsSchneider National Inc (SNDR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Schneider National Inc generates 75% more annual revenue ($5.67B vs $3.23B). SAIA leads profitability with a 7.9% profit margin vs 1.8%. SAIA appears more attractively valued with a PEG of 1.87. SAIA earns a higher WallStSmart Score of 44/100 (D).

SAIA

Hold

44

out of 100

Grade: D

Growth: 4.0Profit: 5.5Value: 7.3Quality: 8.0
Piotroski: 4/9Altman Z: 3.95

SNDR

Hold

43

out of 100

Grade: D

Growth: 2.7Profit: 4.0Value: 4.7Quality: 6.3
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SAIASignificantly Overvalued (-500.4%)

Margin of Safety

-500.4%

Fair Value

$64.74

Current Price

$344.36

$279.62 premium

UndervaluedFair: $64.74Overvalued
SNDRSignificantly Overvalued (-641.1%)

Margin of Safety

-641.1%

Fair Value

$4.01

Current Price

$25.85

$21.84 premium

UndervaluedFair: $4.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SAIA2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.9510/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.169/10

Conservative balance sheet, low leverage

SNDR2 strengths · Avg: 9.5/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Areas to Watch

SAIA4 concerns · Avg: 3.8/10
PEG RatioValuation
1.874/10

Expensive relative to growth rate

P/E RatioValuation
34.7x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

Profit MarginProfitability
7.9%3/10

7.9% margin — thin

SNDR4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.5%4/10

4.5% revenue growth

Return on EquityProfitability
3.5%3/10

ROE of 3.5% — below average capital efficiency

Profit MarginProfitability
1.8%3/10

1.8% margin — thin

Operating MarginProfitability
2.6%3/10

Operating margin of 2.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : SAIA

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

Bull Case : SNDR

The strongest argument for SNDR centers on Price/Book, Debt/Equity.

Bear Case : SAIA

The primary concerns for SAIA are PEG Ratio, P/E Ratio, Revenue Growth.

Bear Case : SNDR

The primary concerns for SNDR are Revenue Growth, Return on Equity, Profit Margin. A P/E of 42.8x leaves little room for execution misses. Thin 1.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

SAIA carries more volatility with a beta of 2.03 — expect wider price swings.

SNDR is growing revenue faster at 4.5% — sustainability is the question.

SNDR generates stronger free cash flow (76M), providing more financial flexibility.

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

Bottom Line

SAIA scores higher overall (44/100 vs 43/100). 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.

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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Schneider National Inc

INDUSTRIALS · TRUCKING · USA

Schneider National, Inc., a surface transportation and logistics solutions company, provides trucking, intermodal and logistics services in North America. The company is headquartered in Green Bay, Wisconsin.

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