WallStSmart

Saia Inc (SAIA)vsToppoint Holdings Inc. (TOPP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Saia Inc generates 19930% more annual revenue ($3.23B vs $16.15M). SAIA leads profitability with a 7.9% profit margin vs -38.8%. 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

TOPP

Hold

36

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 4.76
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

Intrinsic value data unavailable for TOPP.

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

TOPP4 strengths · Avg: 8.8/10
Altman Z-ScoreHealth
4.7610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
20.3%8/10

Revenue surging 20.3% year-over-year

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

TOPP4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$13.94M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-106.5%2/10

ROE of -106.5% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : SAIA

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

Bull Case : TOPP

The strongest argument for TOPP centers on Altman Z-Score, Debt/Equity, Price/Book. Revenue growth of 20.3% demonstrates continued momentum.

Bear Case : SAIA

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

Bear Case : TOPP

The primary concerns for TOPP are EPS Growth, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

SAIA profiles as a value stock while TOPP is a growth play — different risk/reward profiles.

TOPP is growing revenue faster at 20.3% — sustainability is the question.

SAIA generates stronger free cash flow (37M), providing more financial flexibility.

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

Bottom Line

SAIA scores higher overall (44/100 vs 36/100). 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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Toppoint Holdings Inc.

INDUSTRIALS · TRUCKING · USA

Toppoint Holdings Inc. is a diversified technology company at the forefront of telecommunications and information technology, dedicated to providing innovative solutions that enhance connectivity and operational efficiency for a broad array of clients. With a commitment to sustainability and ongoing research and development, Toppoint Holdings is well-positioned to address the evolving demands of consumers and businesses alike. Its strategic partnerships and robust operational foundation further strengthen its competitive advantage, ensuring sustained long-term growth in an increasingly digital and competitive marketplace.

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