WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Saia Inc generates 175% more annual revenue ($3.39B vs $1.23B). SAIA leads profitability with a 8.2% profit margin vs 0.3%. SAIA trades at a lower P/E of 34.5x. SAIA earns a higher WallStSmart Score of 62/100 (C+).

CVLG

Hold

39

out of 100

Grade: F

Growth: 3.3Profit: 4.0Value: 3.0Quality: 5.0
Piotroski: 2/9Altman Z: 1.95

SAIA

Buy

62

out of 100

Grade: C+

Growth: 8.0Profit: 6.0Value: 5.0Quality: 8.0
Piotroski: 4/9Altman Z: 3.95
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVLGSignificantly Overvalued (-34.6%)

Margin of Safety

-34.6%

Fair Value

$21.74

Current Price

$34.00

$12.26 premium

UndervaluedFair: $21.74Overvalued

Intrinsic value data unavailable for SAIA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVLG1 strengths · Avg: 8.0/10
Price/BookValuation
2.1x8/10

Reasonable price relative to book value

SAIA4 strengths · Avg: 9.0/10
Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.9510/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
17.1%8/10

17.1% revenue growth

EPS GrowthGrowth
31.5%8/10

Earnings expanding 31.5% YoY

Areas to Watch

CVLG4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.954/10

Grey zone — moderate risk

Market CapQuality
$904.21M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.9%3/10

ROE of 0.9% — below average capital efficiency

Profit MarginProfitability
0.3%3/10

0.3% margin — thin

SAIA1 concerns · Avg: 4.0/10
P/E RatioValuation
34.5x4/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : CVLG

The strongest argument for CVLG centers on Price/Book.

Bull Case : SAIA

The strongest argument for SAIA centers on Debt/Equity, Altman Z-Score, Revenue Growth. Revenue growth of 17.1% demonstrates continued momentum. PEG of 1.49 suggests the stock is reasonably priced for its growth.

Bear Case : CVLG

The primary concerns for CVLG are Altman Z-Score, Market Cap, Return on Equity. A P/E of 712.6x leaves little room for execution misses. Thin 0.3% margins leave little buffer for downturns.

Bear Case : SAIA

The primary concerns for SAIA are P/E Ratio.

Key Dynamics to Monitor

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

SAIA carries more volatility with a beta of 2.14 — expect wider price swings.

SAIA is growing revenue faster at 17.1% — sustainability is the question.

SAIA generates stronger free cash flow (57M), providing more financial flexibility.

Bottom Line

SAIA scores higher overall (62/100 vs 39/100) and 17.1% 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.

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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