---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-043714"
form_type: "8-K"
ticker: "SAIA"
cik: "0001177702"
company_name: "SAIA INC"
filed_at: "2026-02-10T23:59:59+00:00"
generated_at: "2026-05-16T03:31:39.918502+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Saia Q4 EPS $1.77 vs $2.84; operating ratio worsens to 91.9%

## Summary
- Q4 diluted EPS $1.77 vs $2.84 YoY; full year EPS $9.52 vs $13.51.
- Operating income fell 36.9% to $64.0M; revenue flat at $790.0M (+0.1%).
- Operating ratio 91.9% vs 87.1% in Q4 2024; adjusted full-year OR 89.6%.
- Quarter hit by $4.7M in elevated self-insurance costs from prior-year accidents.
- Net capex $544.1M in 2025; 2026 guidance $350M-$400M.

## SEC filing metadata
- accession: 0001193125-26-043714
- form_type: 8-K
- ticker: SAIA
- cik: 0001177702
- company_name: SAIA INC
- filed_at: 2026-02-10T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1177702/000119312526043714/0001193125-26-043714-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1177702/000119312526043714/saia-20260210.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-043714
- JSON: https://secwatch.observer/filing/0001193125-26-043714.json
- Plain text: https://secwatch.observer/filing/0001193125-26-043714.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.