Schneider Nation Financials

SNDR

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Schneider Nation (SNDR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 36/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Schneider Nation has an operating margin of 3.1%, meaning the company retains $3 of operating profit per $100 of revenue. This below-average margin results in a low score of 16/100, suggesting thin profitability after operating expenses. This is down from 5.4% the prior year.

Growth

Schneider Nation's revenue declined 3.8% year-over-year, from $5.5B to $5.3B. This contraction results in a growth score of 18/100.

Leverage

100

Schneider Nation carries a low D/E ratio of 0.14, meaning only $0.14 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Schneider Nation's current ratio of 1.58 indicates adequate short-term liquidity, earning a score of 43/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

Schneider Nation's free cash flow margin of 5.1% results in a low score of 26/100. Capital expenditures of $414.0M absorb a large share of operating cash flow.

Returns

Schneider Nation generates a 3.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 16/100. This is down from 8.1% the prior year.

Altman Z-Score Safe

3.26

Schneider Nation scores 3.26, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Piotroski F-Score Weak

3/9

Schneider Nation passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

5.86x

For every $1 of reported earnings, Schneider Nation generates $5.86 in operating cash flow ($686.1M OCF vs $117.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

10.0x

Schneider Nation earns $10.0 in operating income for every $1 of interest expense ($165.2M vs $16.6M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

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Revenue

$5.3B

YoY-3.8%

5Y CAGR+2.2%

Schneider Nation generated $5.3B in revenue in fiscal year 2024. This represents a decrease of 3.8% from the prior year.

EBITDA

$578.9M

YoY-14.7%

5Y CAGR+2.9%

Schneider Nation's EBITDA was $578.9M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 14.7% from the prior year.

Free Cash Flow

$272.1M

YoY+1267.3%

5Y CAGR-2.0%

Schneider Nation generated $272.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 1267.3% from the prior year.

Net Income

$117.0M

YoY-50.9%

5Y CAGR-4.5%

Schneider Nation reported $117.0M in net income in fiscal year 2024. This represents a decrease of 50.9% from the prior year.

EPS (Diluted)

$0.66

YoY-50.7%

5Y CAGR-4.5%

Schneider Nation earned $0.66 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 50.7% from the prior year.

Cash & Debt

$117.6M

YoY+14.8%

5Y CAGR-26.6%

Schneider Nation held $117.6M in cash against $416.3M in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.38

YoY+5.6%

5Y CAGR+9.6%

Schneider Nation paid $0.38 per share in dividends in fiscal year 2024. This represents an increase of 5.6% from the prior year.

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

3.1%

YoY-2.3pp

5Y CAGR-1.3pp

Schneider Nation's operating margin was 3.1% in fiscal year 2024, reflecting core business profitability. This is down 2.3 percentage points from the prior year.

Net Margin

2.2%

YoY-2.1pp

5Y CAGR-0.9pp

Schneider Nation's net profit margin was 2.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 2.1 percentage points from the prior year.

Return on Equity

3.9%

YoY-4.1pp

5Y CAGR-2.6pp

Schneider Nation's ROE was 3.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 4.1 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$29.5M

YoY-55.9%

Schneider Nation spent $29.5M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 55.9% from the prior year.

Capital Expenditures

$414.0M

YoY-37.3%

5Y CAGR+4.3%

Schneider Nation invested $414.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 37.3% from the prior year.

SNDR Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$5.3B-3.8%	$5.5B-16.7%	$6.6B+17.8%	$5.6B+23.2%	$4.6B-4.1%	$4.7B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	$2.0B
Gross Profit	N/A	N/A	N/A	N/A	N/A	$2.8B
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$165.2M-44.3%	$296.4M-50.6%	$600.4M+12.5%	$533.7M+86.2%	$286.7M+38.0%	$207.8M
Interest Expense	$16.6M+16.9%	$14.2M+47.9%	$9.6M-23.2%	$12.5M-8.1%	$13.6M-18.1%	$16.6M
Income Tax	$35.2M-47.9%	$67.6M-53.8%	$146.2M+7.0%	$136.6M+91.9%	$71.2M+39.3%	$51.1M
Net Income	$117.0M-50.9%	$238.5M-47.9%	$457.8M+12.9%	$405.4M+91.5%	$211.7M+44.0%	$147.0M
EPS (Diluted)	$0.66-50.7%	$1.34-47.7%	$2.56+12.3%	$2.28+91.6%	$1.19+43.4%	$0.83

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$1.5B+2.2%	$1.4B+1.3%	$1.4B+4.7%	$1.3B+1.7%	$1.3B-0.2%	$1.3B-3.8%	$1.4B+1.5%	$1.4B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$35.3M-35.8%	$55.0M+30.6%	$42.1M-0.7%	$42.4M-16.9%	$51.0M+77.7%	$28.7M-8.3%	$31.3M-33.0%	$46.7M
Interest Expense	$9.5M+10.5%	$8.6M+10.3%	$7.8M+66.0%	$4.7M+9.3%	$4.3M+7.5%	$4.0M-2.4%	$4.1M+24.2%	$3.3M
Income Tax	$7.0M-38.6%	$11.4M+31.0%	$8.7M+1.2%	$8.6M-26.5%	$11.7M+88.7%	$6.2M+6100.0%	$100K-99.0%	$10.5M
Net Income	$19.4M-46.1%	$36.0M+37.9%	$26.1M-19.9%	$32.6M-7.6%	$35.3M+90.8%	$18.5M-32.5%	$27.4M-23.0%	$35.6M
EPS (Diluted)	$0.11-45.0%	$0.20+33.3%	$0.15-21.1%	$0.19-5.0%	$0.20+100.0%	$0.10-37.5%	$0.16-20.0%	$0.20

SNDR Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$4.9B+8.3%	$4.6B+5.5%	$4.3B+9.7%	$3.9B+12.0%	$3.5B-3.9%	$3.7B
Current Assets	$1.1B+0.4%	$1.1B-17.7%	$1.4B+8.2%	$1.2B+2.3%	$1.2B-13.2%	$1.4B
Cash & Equivalents	$117.6M+14.8%	$102.4M-73.5%	$385.7M+57.6%	$244.8M-38.1%	$395.5M-28.3%	$551.6M
Inventory	$89.8M-23.8%	$117.9M+122.5%	$53.0M+93.4%	$27.4M-39.0%	$44.9M-37.6%	$71.9M
Accounts Receivable	$600.0M+4.2%	$575.7M-10.6%	$643.7M-8.7%	$705.4M+31.2%	$537.7M+15.4%	$465.8M
Goodwill	$377.9M+13.9%	$331.7M+45.4%	$228.2M-5.1%	$240.5M+87.7%	$128.1M+0.5%	$127.5M
Total Liabilities	$1.9B+21.6%	$1.6B+8.1%	$1.5B-2.1%	$1.5B+3.6%	$1.5B+2.6%	$1.4B
Current Liabilities	$704.5M+16.2%	$606.2M-4.8%	$636.9M-7.7%	$690.2M+29.1%	$534.6M+14.9%	$465.2M
Long-Term Debt	$416.3M+119.1%	$190.0M+40.7%	$135.0M-35.4%	$208.9M-31.5%	$305.0M+0.1%	$304.6M
Total Equity	$3.0B+1.0%	$3.0B+4.2%	$2.8B+17.1%	$2.4B+17.9%	$2.1B-8.1%	$2.2B
Retained Earnings	$1.5B+3.5%	$1.4B+13.8%	$1.3B+46.6%	$857.8M+70.7%	$502.5M-27.6%	$693.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$5.0B+0.5%	$5.0B-0.4%	$5.0B+0.9%	$4.9B+8.5%	$4.5B-0.7%	$4.6B+0.5%	$4.6B-0.5%	$4.6B
Current Assets	$1.2B+4.9%	$1.2B0.0%	$1.2B+4.5%	$1.1B+6.2%	$1.1B-1.9%	$1.1B-3.6%	$1.1B-3.1%	$1.1B
Cash & Equivalents	$194.1M+20.8%	$160.7M+51.3%	$106.2M-9.7%	$117.6M+14.0%	$103.2M+53.3%	$67.3M-34.3%	$102.4M+75.0%	$58.5M
Inventory	$101.4M+23.1%	$82.4M-12.1%	$93.7M+4.3%	$89.8M-1.4%	$91.1M-0.9%	$91.9M-22.1%	$117.9M+3.6%	$113.8M
Accounts Receivable	$612.0M+1.2%	$604.5M-2.8%	$621.9M+3.6%	$600.0M+8.8%	$551.7M-3.9%	$573.9M-0.3%	$575.7M-5.9%	$612.1M
Goodwill	$338.9M+0.1%	$338.7M-0.3%	$339.6M-10.1%	$377.9M+13.9%	$331.7M0.0%	$331.7M0.0%	$331.7M-0.3%	$332.8M
Total Liabilities	$2.0B+0.7%	$1.9B-2.4%	$2.0B+2.2%	$1.9B+22.0%	$1.6B-2.5%	$1.6B+2.3%	$1.6B-1.4%	$1.6B
Current Liabilities	$579.6M-5.0%	$610.1M-0.7%	$614.2M-12.8%	$704.5M+6.9%	$659.3M-11.3%	$743.7M+22.7%	$606.2M-0.7%	$610.6M
Long-Term Debt	$507.1M-0.5%	$509.5M-9.3%	$561.9M+35.0%	$416.3M+230.9%	$125.8M+30.2%	$96.6M-49.2%	$190.0M+2.7%	$185.0M
Total Equity	$3.0B+0.3%	$3.0B+0.8%	$3.0B0.0%	$3.0B+1.2%	$3.0B+0.3%	$2.9B-0.5%	$3.0B0.0%	$3.0B
Retained Earnings	$1.5B+0.2%	$1.5B+1.3%	$1.5B+0.6%	$1.5B+2.0%	$1.5B+1.3%	$1.4B+0.1%	$1.4B+0.8%	$1.4B

SNDR Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$686.1M+0.9%	$680.0M-20.6%	$856.4M+51.3%	$566.1M-8.4%	$618.2M-2.8%	$636.3M
Capital Expenditures	$414.0M-37.3%	$660.1M+23.4%	$535.1M+34.0%	$399.4M+45.3%	$274.8M-18.0%	$335.3M
Free Cash Flow	$272.1M+1267.3%	$19.9M-93.8%	$321.3M+92.7%	$166.7M-51.5%	$343.4M+14.1%	$301.0M
Investing Cash Flow	-$791.5M+12.8%	-$907.6M-51.6%	-$598.8M+4.4%	-$626.4M-96.5%	-$318.7M+9.0%	-$350.2M
Financing Cash Flow	$120.6M+316.5%	-$55.7M+52.3%	-$116.7M-29.1%	-$90.4M+80.2%	-$455.6M-302.5%	-$113.2M
Dividends Paid	$66.6M+4.7%	$63.6M+14.2%	$55.7M+12.3%	$49.6M-87.6%	$400.0M+841.2%	$42.5M
Share Buybacks	$29.5M-55.9%	$66.9M	$0	$0	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$184.2M+5.0%	$175.5M+91.4%	$91.7M-54.0%	$199.5M+9.3%	$182.6M+87.1%	$97.6M-49.7%	$193.9M+6.0%	$182.9M
Capital Expenditures	$128.0M+85.2%	$69.1M-39.6%	$114.4M+33.2%	$85.9M-11.5%	$97.1M-21.2%	$123.3M-22.7%	$159.5M+2.1%	$156.2M
Free Cash Flow	$56.2M-47.2%	$106.4M+568.7%	-$22.7M-120.0%	$113.6M+32.9%	$85.5M+432.7%	-$25.7M-174.7%	$34.4M+28.8%	$26.7M
Investing Cash Flow	-$131.5M-146.7%	-$53.3M+57.9%	-$126.7M+74.9%	-$504.4M-563.7%	-$76.0M+25.6%	-$102.1M+21.9%	-$130.8M+68.3%	-$412.7M
Financing Cash Flow	-$19.3M+71.5%	-$67.7M-386.9%	$23.6M-90.3%	$243.5M+444.4%	-$70.7M-131.0%	-$30.6M-59.4%	-$19.2M-149.1%	$39.1M
Dividends Paid	$16.6M-0.6%	$16.7M-1.8%	$17.0M+1.8%	$16.7M-0.6%	$16.8M+1.8%	$16.5M+3.8%	$15.9M0.0%	$15.9M
Share Buybacks	$0	$0-100.0%	$8.3M	$0-100.0%	$12.8M-1.5%	$13.0M-18.2%	$15.9M+6.7%	$14.9M

SNDR Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	57.9%
Operating Margin	3.1%-2.3pp	5.4%-3.7pp	9.1%-0.4pp	9.5%+3.2pp	6.3%+1.9pp	4.4%
Net Margin	2.2%-2.1pp	4.3%-2.6pp	6.9%-0.3pp	7.2%+2.6pp	4.7%+1.6pp	3.1%
Return on Equity	3.9%-4.1pp	8.1%-8.1pp	16.1%-0.6pp	16.7%+6.4pp	10.3%+3.7pp	6.6%
Return on Assets	2.4%-2.9pp	5.2%-5.4pp	10.6%+0.3pp	10.3%+4.3pp	6.0%+2.0pp	4.0%
Current Ratio	1.58-0.2	1.83-0.3	2.12+0.3	1.81-0.5	2.28-0.7	3.02
Debt-to-Equity	0.14+0.1	0.06+0.0	0.05-0.0	0.09-0.1	0.15+0.0	0.14
FCF Margin	5.1%+4.8pp	0.4%-4.5pp	4.9%+1.9pp	3.0%-4.6pp	7.5%+1.2pp	6.3%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	2.4%-1.4pp	3.9%+0.9pp	3.0%-0.2pp	3.2%-0.7pp	3.9%+1.7pp	2.2%-0.1pp	2.3%-1.2pp	3.5%
Net Margin	1.3%-1.2pp	2.5%+0.7pp	1.9%-0.6pp	2.4%-0.3pp	2.7%+1.3pp	1.4%-0.6pp	2.0%-0.6pp	2.6%
Return on Equity	0.6%-0.6pp	1.2%+0.3pp	0.9%-0.2pp	1.1%-0.1pp	1.2%+0.6pp	0.6%-0.3pp	0.9%-0.3pp	1.2%
Return on Assets	0.4%-0.3pp	0.7%+0.2pp	0.5%-0.1pp	0.7%-0.1pp	0.8%+0.4pp	0.4%-0.2pp	0.6%-0.2pp	0.8%
Current Ratio	2.11+0.2	1.91+0.0	1.90+0.3	1.58-0.0	1.59+0.2	1.44-0.4	1.83-0.0	1.88
Debt-to-Equity	0.170.0	0.17-0.0	0.19+0.0	0.14+0.1	0.040.0	0.03-0.0	0.060.0	0.06
FCF Margin	3.9%-3.6pp	7.5%+9.1pp	-1.6%-10.1pp	8.5%+2.0pp	6.5%+8.4pp	-1.9%-4.5pp	2.5%+0.5pp	2.0%

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Frequently Asked Questions

What is Schneider Nation's annual revenue?

Schneider Nation (SNDR) reported $5.3B in total revenue for fiscal year 2024. This represents a -3.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Schneider Nation's revenue growing?

Schneider Nation (SNDR) revenue declined by 3.8% year-over-year, from $5.5B to $5.3B in fiscal year 2024.

Is Schneider Nation profitable?

Yes, Schneider Nation (SNDR) reported a net income of $117.0M in fiscal year 2024, with a net profit margin of 2.2%.

What is Schneider Nation's earnings per share (EPS)?

Schneider Nation (SNDR) reported diluted earnings per share of $0.66 for fiscal year 2024. This represents a -50.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Schneider Nation's EBITDA?

Schneider Nation (SNDR) had EBITDA of $578.9M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Schneider Nation have?

As of fiscal year 2024, Schneider Nation (SNDR) had $117.6M in cash and equivalents against $416.3M in long-term debt.

What is Schneider Nation's operating margin?

Schneider Nation (SNDR) had an operating margin of 3.1% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is Schneider Nation's net profit margin?

Schneider Nation (SNDR) had a net profit margin of 2.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Schneider Nation pay dividends?

Yes, Schneider Nation (SNDR) paid $0.38 per share in dividends during fiscal year 2024.

What is Schneider Nation's return on equity (ROE)?

Schneider Nation (SNDR) has a return on equity of 3.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Schneider Nation's free cash flow?

Schneider Nation (SNDR) generated $272.1M in free cash flow during fiscal year 2024. This represents a 1267.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Schneider Nation's operating cash flow?

Schneider Nation (SNDR) generated $686.1M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Schneider Nation's total assets?

Schneider Nation (SNDR) had $4.9B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Schneider Nation's capital expenditures?

Schneider Nation (SNDR) invested $414.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Schneider Nation buy back shares?

Yes, Schneider Nation (SNDR) spent $29.5M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is Schneider Nation's current ratio?

Schneider Nation (SNDR) had a current ratio of 1.58 as of fiscal year 2024, which is generally considered healthy.

What is Schneider Nation's debt-to-equity ratio?

Schneider Nation (SNDR) had a debt-to-equity ratio of 0.14 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Schneider Nation's return on assets (ROA)?

Schneider Nation (SNDR) had a return on assets of 2.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Schneider Nation's Altman Z-Score?

Schneider Nation (SNDR) has an Altman Z-Score of 3.26, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Schneider Nation's Piotroski F-Score?

Schneider Nation (SNDR) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Schneider Nation's earnings high quality?

Schneider Nation (SNDR) has an earnings quality ratio of 5.86x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Schneider Nation cover its interest payments?

Schneider Nation (SNDR) has an interest coverage ratio of 10.0x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Schneider Nation?

Schneider Nation (SNDR) scores 36 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.