UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): ~~July~~September 2505, 2025

SAIA, INC.

(Exact name of Registrant as Specified in Its Charter)


Delaware	0-49983	48-1229851
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

11465 Johns Creek Parkway Suite 400
Johns Creek, Georgia		30097
(Address of Principal Executive Offices)		(Zip Code)

     Registrant’s Telephone Number, Including Area Code: 770 232-5067

    

No Changes.

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $.001 per share	SAIA	Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 78.01 RegulationOther FD DisclosureEvents.

~~Attached~~On asSeptember ~~Exhibit~~5, ~~99.1~~2025, ~~is the transcript of the conference call to discuss the second quarter earnings of~~ Saia, Inc. ~~The~~issued ~~Securities~~a ~~and~~press ~~Exchange~~release ~~Commission~~providing ~~encourages~~its ~~companies~~shipment toand ~~disclose~~tonnage ~~forward-looking~~data ~~information~~for soJuly ~~that investors can better understand the future prospects of a company~~ and ~~make~~August ~~informed investment decisions~~2025. ~~This~~A ~~news~~copy ~~release contains these types~~ of ~~statements,~~the ~~which~~press ~~are~~release ~~forward-looking~~is ~~within~~attached ~~the~~as ~~meaning~~Exhibit of99.1 ~~the~~to ~~Private~~this ~~Securities~~Report ~~Litigation~~on ~~Reform~~Form ~~Act of 1995~~8-K.

WordsItem such as "anticipate," "estimate," "expect," "project," "intend," "may," "plan," "predict," "believe," "should," "potential" and similar words or expressions are intended to identify forward-looking statements9.01 InvestorsFinancial shouldStatements not place undue reliance on forward-looking statements and the Company undertakes no obligation to publicly update or revise any forward-looking statements, except as otherwise required by applicable lawExhibits. All forward-looking statements reflect the present expectation of future events of our management as of the date of this news release and are subject to a number of important factors, risks, uncertainties and assumptions that could cause actual results to differ materially from those described in any forward-looking statements. These factors, risks, uncertainties and assumptions include, but are not limited to, the following:

~~general~~99.1 Press ~~economic~~release ~~conditions~~of ~~including~~Saia, ~~downturns~~Inc. ordated ~~inflationary~~as ~~periods~~of September in5, ~~the business cycle;~~2025.

~~operation~~104 Cover ~~within~~Page aInteractive ~~highly~~Date ~~competitive~~File ~~industry~~(embedded ~~and~~within the ~~adverse~~Inline ~~impact~~XBRL ~~from~~document) ~~downward pricing pressures, including in connection with fuel surcharges, and other factors;~~

~~industry-wide external factors largely out of our control;~~SIGNATURES

~~cost~~Pursuant ~~and~~to ~~availability~~the requirements of ~~qualified~~the ~~drivers,~~Securities ~~dock~~Exchange ~~workers~~Act of 1934, ~~mechanics~~the ~~and~~registrant ~~other~~has ~~employees,~~duly ~~purchased~~caused ~~transportation~~this ~~and~~report ~~fuel;~~to be signed on its behalf by the undersigned thereunto duly authorized.

inflationary increases in expenses and corresponding reductions of profitability;


			SAIA, INC.

Date:	September 5, 2025	By:	/s/ Kelly W. Benton
			Kelly W. Benton Vice President and Chief Accounting Officer (Principal Accounting Officer)

cost and availability of diesel fuel and fuel surcharges;

cost and availability of insurance coverage and claims expenses and other expense volatility, including for personal injury, cargo loss and damage, workers’ compensation, employment and group health plan claims;

failure to successfully execute the strategy to expand our service geography;

unexpected liabilities resulting from the acquisition of real estate assets;

costs and liabilities from the disruption in or failure of our technology or equipment essential to our operations, including as a result of cyber incidents, security breaches, malware or ransomware attacks;

risks arising from remote work, including increased risk of related cybersecurity incidents;

failure to keep pace with technological developments;

liabilities and costs arising from the use of artificial intelligence;

labor relations, including the adverse impact should a portion of our workforce become unionized;

cost, availability and resale value of real property and revenue equipment;

supply chain disruption and delays on new equipment delivery;

capacity and highway infrastructure constraints;

changes in U.S. trade policy and the impact of tariffs;

risks arising from international business operations and relationships;

seasonal factors, harsh weather and disasters caused by climate change;

the creditworthiness of our customers and their ability to pay for services;

our need for capital and uncertainty of the credit markets;

the possibility of defaults under our debt agreements, including violation of financial covenants;

inaccuracies and changes to estimates and assumptions used in preparing our financial statements;

failure to operate and grow acquired businesses in a manner that support the value allocated to acquired businesses;

dependence on key employees;

employee turnover from changes to compensation and benefits or market factors;

increased costs of healthcare benefits;

damage to our reputation from adverse publicity, including from the use of or impact from social media;

failure to achieve acquisition synergies or disruption to our business due to such acquisitions;

the effect of litigation and class action lawsuits arising from the operation of our business, including the possibility of claims or judgments in excess of our insurance coverages or that result in increases in the cost of insurance coverage or that preclude us from obtaining adequate insurance coverage in the future;

the potential of higher corporate taxes and new regulations, including with respect to climate change, employment and labor law, healthcare and securities regulation;

the effect of governmental regulations, including hours of service and licensing compliance for drivers, engine emissions, the Compliance, Safety, Accountability (CSA) initiative, regulations of the Food and Drug Administration and Homeland Security, and healthcare and environmental regulations;

unforeseen costs from new and existing data privacy laws;

changes to the way LTL freight is categorized;

costs from new and existing laws regarding how to classify workers;

changes in accounting and financial standards or practices;

widespread outbreak of an illness or any other communicable disease;

international conflicts and geopolitical instability;

evolving stakeholder expectations regarding environmental and social issues;

provisions in our governing documents and Delaware law that may have anti-takeover effects;

issuances of equity that would dilute stock ownership;

weakness, disruption or loss of confidence in financial or credit markets; and

other financial, operational and legal risks and uncertainties detailed from time to time in the Company’s SEC filings.

As a result of these and other factors, no assurance can be given as to our future results and achievements. Accordingly, a forward-looking statement is neither a prediction nor a guarantee of future events or circumstances and those future events or circumstances may not occur.

The information in this Current Report is being furnished pursuant to Item 9 and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement pursuant to the Securities Act of 1933, as amended. The furnishing of the information in this Current Report is not intended to, and does not, constitute a representation that such furnishing is required by Regulation FD or that the information this Current Report contains is material investor information that is not otherwise publicly available.

Item 9.01	Financial Statements and Exhibits.
99.1	Transcript conference call of Saia, Inc. on July 25, 2025.
104	Cover Page Interactive Date File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

				SAIA, INC.
		Date: July 31, 2025		/s/ Kelly W. Benton
				Kelly W. Benton
				Vice President and Chief Accounting Officer(Principal Accounting Officer)

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