WallStSmart

Saia Inc (SAIA)vsTFI International Inc (TFII)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TFI International Inc generates 150% more annual revenue ($8.12B vs $3.25B). SAIA leads profitability with a 7.8% profit margin vs 4.1%. TFII trades at a lower P/E of 40.7x. TFII earns a higher WallStSmart Score of 54/100 (C-).

SAIA

Hold

46

out of 100

Grade: D+

Growth: 4.7Profit: 5.5Value: 4.3Quality: 8.0
Piotroski: 5/9Altman Z: 3.95

TFII

Buy

54

out of 100

Grade: C-

Growth: 7.3Profit: 5.5Value: 4.7Quality: 5.0
Piotroski: 3/9Altman Z: 2.49

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

TFII1 strengths · Avg: 8.0/10
EPS GrowthGrowth
41.0%8/10

Earnings expanding 41.0% YoY

Areas to Watch

SAIA4 concerns · Avg: 3.8/10
PEG RatioValuation
2.194/10

Expensive relative to growth rate

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

TFII4 concerns · Avg: 2.8/10
Profit MarginProfitability
4.1%3/10

4.1% margin — thin

Debt/EquityHealth
1.203/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
40.7x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : SAIA

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

Bull Case : TFII

The strongest argument for TFII centers on EPS Growth. Revenue growth of 12.4% demonstrates continued momentum.

Bear Case : SAIA

The primary concerns for SAIA are PEG Ratio, Revenue Growth, EPS Growth. A P/E of 45.9x leaves little room for execution misses.

Bear Case : TFII

The primary concerns for TFII are Profit Margin, Debt/Equity, Piotroski F-Score. A P/E of 40.7x leaves little room for execution misses. Thin 4.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

SAIA carries more volatility with a beta of 2.13 — expect wider price swings.

TFII is growing revenue faster at 12.4% — 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

TFII scores higher overall (54/100 vs 46/100) and 12.4% revenue growth. Both earn "Buy" 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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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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