SAIA INC
For the period ended Jun 30, 2026. Filed Jul 30, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2026 · Filed Jul 30, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-Q
Period ended 2026-03-31; filed 2026-04-30.
0001193125-26-197324
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsCurrent report: 10-Q
Period ended 2026-06-30; filed 2026-07-30.
0001193125-26-326240
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 3 previous paragraphs and 6 current paragraphs.
2 unchanged; 1 reworded; 3 added; 0 removed; 0 previous and 0 current paragraphs rearranged.
Tables are not compared: 2 previous and 2 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
Added paragraphs (3)
Current report
We face litigation risks that could have a material adverse effect on our business.
Current report
We face litigation risks regarding a variety of issues, including accidents involving our trucks and employees, workers’ compensation claims, federal and state labor and employment law claims, securities claims, privacy claims, contract claims, environmental liability, and other matters. There has also been an increase in the number of, and potential legal exposure associated with, state law claims asserted against freight brokers from accidents involving motor carriers the freight broker has engaged to haul a shipment, often on the grounds the broker was negligent in selecting the carrier. We could be held liable for personal injury, property damage, and other liabilities arising not only in connection with the trucks we operate, but also from trucks that are operated by contracted and brokered third-party transportation providers. Legal claims could result in the diversion of our management’s time and be disruptive to normal business operations. Costs we incur to defend or settle claims or satisfy a judgment could result in significant expense that may not be covered by insurance or could exceed the amount of that coverage or increase our insurance costs, any of which could have a material adverse effect on our financial condition, results of operations, liquidity and cash flows.
Current report
In recent years, several insurance companies have completely stopped offering coverage to trucking companies for automobile liability claims, have significantly reduced the amount of coverage they offer or have significantly raised premiums as a result of increases in the severity of automobile liability claims and sharply higher costs of settlements and verdicts. This trend could adversely affect our ability to obtain suitable insurance coverage, could significantly increase our cost of obtaining such coverage or could subject us to significant liabilities for which no insurance is in place, any of which could have a material adverse effect on our financial condition, results of operations, liquidity and cash flows.
Reworded paragraphs (1)
Previous wording
There have been no material changes to the risk factors identified in Part I, Item 1A. “Risk Factors” in our Annual Report on Form 10‑K for the year ended December 31, 2025.
Current wording
Other than the following risk factor, which replaces the risk factor titled “We face litigation risks that could have a material adverse effect on the operation of our business,” there have been no material changes to the risk factors identified in Part I, Item 1A. “Risk Factors” in our Annual Report on Form 10‑K for the year ended December 31, 2025.