Saia (SAIA) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

Saia SAIA -0.73% 97 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates SAIA with a GF Score™ of 97/100 and a GF Value™ of $449.09 (Fairly Valued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Saia's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

Saia's long-term debt to total assets ratio declined from Mar. 2025 (0.12) to Mar. 2026 (0.07). It may suggest that Saia is progressively becoming less dependent on debt to grow their business.

Saia (NAS:SAIA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Saia LT-Debt-to-Total-Asset Related Terms

Saia LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Saia's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Saia LT-Debt-to-Total-Asset Chart

Saia Annual Data

Trend

Dec16

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Dec18

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Dec20

Dec21

Dec22

Dec23

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Dec25

LT-Debt-to-Total-Asset

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0.07

0.05

0.04

0.09

0.08

Saia Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.12	0.12	0.09	0.08	0.07

97GF Score

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Saia LT-Debt-to-Total-Asset Calculation

Saia's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	276.119	/	3482.681
	=	0.08

Saia's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	231.847	/	3563.637
	=	0.07

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.07 mean?

Saia (SAIA) has a LT-Debt-to-Total-Asset of 0.07 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Saia and its competitors.

Is Saia's LT-Debt-to-Total-Asset too high?

Saia's current LT-Debt-to-Total-Asset is 0.07. Overall, Saia has a GF Score™ of 97/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Saia's LT-Debt-to-Total-Asset compare to KNX and SNDR?

Saia's LT-Debt-to-Total-Asset of 0.07 can be compared against companies in the Transportation industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Transportation company?

A good LT-Debt-to-Total-Asset depends on the Transportation industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Saia and its competitors. Saia's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Saia stock overvalued right now?

Based on GuruFocus' analysis, Saia (SAIA) is currently considered Fairly Valued. The stock's GF Value™ is $449.09, compared to a current price of $430.51 — trading 4.1% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. Saia's overall GF Score™ is 97/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Saia (SAIA), the current LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Saia (SAIA) Overvalued in 2026?

Based on GuruFocus' analysis, Saia stock appears to be undervalued. The current stock price of $430.51 is trading 4.1% below its estimated GF Value™ of $449.09. GuruFocus considers Saia to be Fairly Valued.

Key valuation signals for SAIA:

LT-Debt-to-Total-Asset: 0.07
GF Value™: $449.09 vs. price of $430.51 (4.1% below fair value)
GF Score™: 97/100 with 5 warning signs

No single metric tells the full story. See the SAIA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Saia Business Description

Industry Industrials Transportation

Comparable Companies KNX SNDR RXO ARCB WERN MRTN HTLD CVLG ULH PAMT ODFL XPO TSX:TFII TSE:9064 TSE:9076 TSE:9075 TSX:MTL SHSE:600662 SHSE:600611 SHSE:603223

Other Exchanges SQR:Germany

Address 11465 Johns Creek Parkway, Suite 400, Johns Creek, GA, USA, 30097

Website https://www.saia.com

Saia ranks among the 10 largest less-than-truckload carriers in the United States, with more than 210 facilities and a fleet of more than 7,500 tractors and 26,000 trailers. As a national LTL carrier, the firm offers time-definite and expedited options for shipments ranging between 100 and 10,000 pounds. Saia ranks among the top-tier providers in terms of profitability.

97GF Score

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$430.51

Price

$449.09

GF Value

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