SAIA vs. FICO
SAIA (Saia, Inc.) and FICO (Fair Isaac Corporation) are both stocks. SAIA operates in Trucking (Industrials), while FICO operates in Software - Application (Technology). Over the past 10 years, SAIA returned 34.25%/yr vs 26.62%/yr for FICO. At a 0.35 correlation, their price movements are largely independent.
Performance
SAIA vs. FICO - Performance Comparison
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Returns By Period
In the year-to-date period, SAIA achieves a 47.88% return, which is significantly higher than FICO's -30.25% return. Over the past 10 years, SAIA has outperformed FICO with an annualized return of 34.25%, while FICO has yielded a comparatively lower 26.62% annualized return.
SAIA
- 1D
- -0.88%
- 1M
- 4.89%
- YTD
- 47.88%
- 6M
- 39.94%
- 1Y
- 85.14%
- 3Y*
- 15.84%
- 5Y*
- 18.61%
- 10Y*
- 34.25%
FICO
- 1D
- -0.52%
- 1M
- 7.34%
- YTD
- -30.25%
- 6M
- -36.09%
- 1Y
- -33.92%
- 3Y*
- 13.73%
- 5Y*
- 18.49%
- 10Y*
- 26.62%
SAIA vs. FICO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SAIA Saia, Inc. | 47.88% | -28.35% | 4.00% | 108.99% | -37.79% | 86.41% | 94.16% | 66.82% | -21.10% | 60.25% |
FICO Fair Isaac Corporation | -30.25% | -15.08% | 71.04% | 94.46% | 38.03% | -15.14% | 36.39% | 100.36% | 22.06% | 28.52% |
Correlation
The correlation between SAIA and FICO is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.18 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.27 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.31 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.32 |
Correlation (All Time) Calculated using the full available price history since Sep 12, 2002 | 0.35 |
The correlation between SAIA and FICO shifts across timeframes, from 0.18 (1 year) to 0.35 (all time), reflecting how their relationship changes across market environments.
Fundamentals
SAIA:
$12.94B
FICO:
$28.00B
SAIA:
$9.52
FICO:
$31.51
SAIA:
50.72
FICO:
37.43
SAIA:
18.29
FICO:
1.99
SAIA:
3.98
FICO:
12.60
SAIA:
$3.25B
FICO:
$2.26B
SAIA:
$1.27B
FICO:
$1.90B
SAIA:
$603.31M
FICO:
$1.16B
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Return for Risk
SAIA vs. FICO — Risk / Return Rank
SAIA
FICO
SAIA vs. FICO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Saia, Inc. (SAIA) and Fair Isaac Corporation (FICO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SAIA | FICO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.47 | ||
| Sortino ratioReturn per unit of downside risk | +3.25 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 0.90 | +0.40 |
| Calmar ratioReturn relative to maximum drawdown | 3.46 | -0.65 | +4.11 |
| Martin ratioReturn relative to average drawdown | 9.08 | -1.24 | +10.32 |
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Drawdowns
SAIA vs. FICO - Drawdown Comparison
The maximum SAIA drawdown since its inception was -80.35%, roughly equal to the maximum FICO drawdown of -79.26%. Use the drawdown chart below to compare losses from any high point for SAIA and FICO.
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Drawdown Indicators
| SAIA | FICO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -80.35% | -79.26% | -1.09% |
Max Drawdown (1Y)Largest decline over 1 year | -24.92% | -52.12% | +27.20% |
Max Drawdown (3Y)Largest decline over 3 years | -60.94% | -61.28% | +0.34% |
Max Drawdown (5Y)Largest decline over 5 years | -60.94% | -61.28% | +0.34% |
Max Drawdown (10Y)Largest decline over 10 years | -60.94% | -61.28% | +0.34% |
Current DrawdownCurrent decline from peak | -20.31% | -50.50% | +30.19% |
Average DrawdownAverage peak-to-trough decline | -28.96% | -18.03% | -10.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.47% | 27.47% | -18.00% |
Volatility
SAIA vs. FICO - Volatility Comparison
The current volatility for Saia, Inc. (SAIA) is 11.47%, while Fair Isaac Corporation (FICO) has a volatility of 14.33%. This indicates that SAIA experiences smaller price fluctuations and is considered to be less risky than FICO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SAIA | FICO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.47% | 14.33% | -2.86% |
Volatility (6M)Calculated over the trailing 6-month period | 34.98% | 39.21% | -4.23% |
Volatility (1Y)Calculated over the trailing 1-year period | 47.97% | 50.67% | -2.70% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 51.37% | 40.73% | +10.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 45.75% | 38.07% | +7.68% |
Dividends
SAIA vs. FICO - Dividend Comparison
Neither SAIA nor FICO has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FICO Fair Isaac Corporation | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.07% | 0.08% |
SAIA Saia, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
SAIA vs. FICO - Financials Comparison
This section allows you to compare key financial metrics between Saia, Inc. and Fair Isaac Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
SAIA vs. FICO - Profitability Comparison
SAIA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Saia, Inc. reported a gross profit of 741.90M and revenue of 806.23M. Therefore, the gross margin over that period was 92.0%.
FICO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Fair Isaac Corporation reported a gross profit of 600.48M and revenue of 691.68M. Therefore, the gross margin over that period was 86.8%.
SAIA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Saia, Inc. reported an operating income of 66.81M and revenue of 806.23M, resulting in an operating margin of 8.3%.
FICO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Fair Isaac Corporation reported an operating income of 402.47M and revenue of 691.68M, resulting in an operating margin of 58.2%.
SAIA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Saia, Inc. reported a net income of 49.87M and revenue of 806.23M, resulting in a net margin of 6.2%.
FICO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Fair Isaac Corporation reported a net income of 264.46M and revenue of 691.68M, resulting in a net margin of 38.2%.
Frequently Asked Questions
SAIA and FICO have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FICO has higher volatility (14.33%) compared to SAIA (11.47%). In terms of maximum drawdown, SAIA dropped -80.35% vs FICO's -79.26%.
SAIA currently has the higher Sharpe Ratio (1.80 vs -0.67), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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