WallStSmart

Saia Inc (SAIA)vsTFI International Inc (TFII)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TFI International Inc generates 142% more annual revenue ($7.87B vs $3.25B). SAIA leads profitability with a 7.8% profit margin vs 3.8%. TFII trades at a lower P/E of 44.4x. SAIA earns a higher WallStSmart Score of 46/100 (D+).

SAIA

Hold

46

out of 100

Grade: D+

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

TFII

Avoid

35

out of 100

Grade: F

Growth: 3.3Profit: 5.0Value: 4.7Quality: 5.0
Piotroski: 3/9Altman Z: 2.48

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

TFII0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

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

TFII4 concerns · Avg: 3.0/10
Profit MarginProfitability
3.8%3/10

3.8% margin — thin

Operating MarginProfitability
4.4%3/10

Operating margin of 4.4%

Debt/EquityHealth
1.203/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : SAIA

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

Bull Case : TFII

TFII has a balanced fundamental profile.

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.

Bear Case : TFII

The primary concerns for TFII are Profit Margin, Operating Margin, Debt/Equity. A P/E of 44.4x leaves little room for execution misses. Thin 3.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

SAIA is growing revenue faster at 2.4% — sustainability is the question.

TFII generates stronger free cash flow (94M), providing more financial flexibility.

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

Bottom Line

SAIA scores higher overall (46/100 vs 35/100). Both earn "Hold" and "Avoid" 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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TFI International Inc

INDUSTRIALS · TRUCKING · USA

TFI International Inc. provides transportation and logistics services in the United States, Canada, and Mexico. The company is headquartered in Saint-Laurent, Canada.

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