WallStSmart

Saia Inc (SAIA)vsUniversal Logistics Holdings Inc (ULH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Saia Inc generates 108% more annual revenue ($3.23B vs $1.56B). SAIA leads profitability with a 7.9% profit margin vs -6.4%. 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

ULH

Avoid

35

out of 100

Grade: F

Growth: 2.0Profit: 3.0Value: 4.0Quality: 5.5
Piotroski: 1/9Altman Z: 1.88
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 ULH.

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

ULH1 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

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

ULH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.884/10

Grey zone — moderate risk

Market CapQuality
$516.20M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

Debt/EquityHealth
1.623/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : SAIA

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

Bull Case : ULH

The strongest argument for ULH centers on Price/Book.

Bear Case : SAIA

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

Bear Case : ULH

The primary concerns for ULH are Altman Z-Score, Market Cap, Operating Margin. Debt-to-equity of 1.62 is elevated, increasing financial risk.

Key Dynamics to Monitor

SAIA profiles as a value stock while ULH is a turnaround play — different risk/reward profiles.

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

SAIA is growing revenue faster at 0.1% — sustainability is the question.

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

Bottom Line

SAIA scores higher overall (44/100 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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Universal Logistics Holdings Inc

INDUSTRIALS · TRUCKING · USA

Universal Logistics Holdings, Inc. offers transportation and logistics solutions in the United States, Mexico, Canada and Colombia. The company is headquartered in Warren, Michigan.

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