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DFIN vs DSGX vs TRMK vs SAIA
Revenue, margins, valuation, and 5-year total return — side by side.
Software - Application
Banks - Regional
Trucking
DFIN vs DSGX vs TRMK vs SAIA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||||
|---|---|---|---|---|
| Industry | Financial - Capital Markets | Software - Application | Banks - Regional | Trucking |
| Market Cap | $1.11B | $6.31B | $2.64B | $11.97B |
| Revenue (TTM) | $767M | $731M | $1.12B | $3.25B |
| Net Income (TTM) | $35M | $164M | $224M | $255M |
| Gross Margin | 63.4% | 71.4% | 71.0% | 18.4% |
| Operating Margin | 19.8% | 30.4% | 25.5% | 10.8% |
| Forward P/E | 9.4x | 39.3x | 11.5x | 42.3x |
| Total Debt | $182M | $8M | $1.12B | $418M |
| Cash & Equiv. | $25M | $354M | $668M | $20M |
DFIN vs DSGX vs TRMK vs SAIA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Donnelley Financial… (DFIN) | 100 | 542.8 | +442.8% |
| The Descartes Syste… (DSGX) | 100 | 154.2 | +54.2% |
| Trustmark Corporati… (TRMK) | 100 | 188.7 | +88.7% |
| Saia, Inc. (SAIA) | 100 | 414.0 | +314.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: DFIN vs DSGX vs TRMK vs SAIA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
DFIN is the clearest fit if your priority is value.
- Lower P/E (9.4x vs 42.3x)
DSGX carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 0.71
- Rev growth 14.4%, EPS growth 16.5%, 3Y rev CAGR 15.3%
- Lower volatility, beta 0.71, Low D/E 0.5%, current ratio 2.16x
- Beta 0.71, current ratio 2.16x
TRMK is the #2 pick in this set and the best alternative if valuation efficiency is your priority.
- PEG 1.42 vs SAIA's 3.29
- 34.8% NII/revenue growth vs DFIN's -1.9%
- 2.2% yield; 1-year raise streak; the other 3 pay no meaningful dividend
SAIA is the clearest fit if your priority is long-term compounding.
- 15.7% 10Y total return vs DSGX's 295.4%
- +72.7% vs DSGX's -31.7%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 34.8% NII/revenue growth vs DFIN's -1.9% | |
| Value | Lower P/E (9.4x vs 42.3x) | |
| Quality / Margins | 22.5% margin vs DFIN's 4.2% | |
| Stability / Safety | Beta 0.71 vs SAIA's 1.90, lower leverage | |
| Dividends | 2.2% yield; 1-year raise streak; the other 3 pay no meaningful dividend | |
| Momentum (1Y) | +72.7% vs DSGX's -31.7% | |
| Efficiency (ROA) | 9.2% ROA vs TRMK's 1.2%, ROIC 14.9% vs 7.1% |
DFIN vs DSGX vs TRMK vs SAIA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
DFIN vs DSGX vs TRMK vs SAIA — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
DSGX leads in 2 of 6 categories
DFIN leads 1 • SAIA leads 1 • TRMK leads 0 • 1 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
DSGX leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
SAIA is the larger business by revenue, generating $3.3B annually — 4.5x DSGX's $731M. DSGX is the more profitable business, keeping 22.5% of every revenue dollar as net income compared to DFIN's 4.2%. On growth, DSGX holds the edge at +17.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||||
|---|---|---|---|---|
| RevenueTrailing 12 months | $767M | $731M | $1.1B | $3.3B |
| EBITDAEarnings before interest/tax | $217M | $310M | $323M | $602M |
| Net IncomeAfter-tax profit | $35M | $164M | $224M | $255M |
| Free Cash FlowCash after capex | $140M | $261M | $230M | $261M |
| Gross MarginGross profit ÷ Revenue | +63.4% | +71.4% | +71.0% | +18.4% |
| Operating MarginEBIT ÷ Revenue | +19.8% | +30.4% | +25.5% | +10.8% |
| Net MarginNet income ÷ Revenue | +4.2% | +22.5% | +20.0% | +7.8% |
| FCF MarginFCF ÷ Revenue | +14.1% | +35.8% | +20.7% | +8.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +17.2% | — | +2.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +21.0% | +23.3% | +5.4% | 0.0% |
Valuation Metrics
DFIN leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 12.1x trailing earnings, TRMK trades at a 74% valuation discount to SAIA's 47.2x P/E. Adjusting for growth (PEG ratio), DSGX offers better value at 1.50x vs SAIA's 3.67x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ||||
|---|---|---|---|---|
| Market CapShares × price | $1.1B | $6.3B | $2.6B | $12.0B |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $6.0B | $3.1B | $12.4B |
| Trailing P/EPrice ÷ TTM EPS | 38.47x | 38.42x | 12.13x | 47.16x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.43x | 39.34x | 11.50x | 42.28x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.50x | 1.50x | 3.67x |
| EV / EBITDAEnterprise value multiple | 5.80x | 18.10x | 9.49x | 20.59x |
| Price / SalesMarket cap ÷ Revenue | 1.44x | 8.47x | 2.36x | 3.70x |
| Price / BookPrice ÷ Book value/share | 3.29x | 3.99x | 1.28x | 4.67x |
| Price / FCFMarket cap ÷ FCF | 10.25x | 23.71x | 11.39x | 438.03x |
Profitability & Efficiency
DSGX leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
TRMK delivers a 10.8% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $9 for DFIN. DSGX carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to TRMK's 0.53x. On the Piotroski fundamental quality scale (0–9), DFIN scores 7/9 vs SAIA's 6/9, reflecting strong financial health.
| Metric | ||||
|---|---|---|---|---|
| ROE (TTM)Return on equity | +8.7% | +10.7% | +10.8% | +10.0% |
| ROA (TTM)Return on assets | +4.2% | +9.2% | +1.2% | +7.3% |
| ROICReturn on invested capital | +19.9% | +14.9% | +7.1% | +9.4% |
| ROCEReturn on capital employed | +24.6% | +15.6% | +3.2% | +11.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.48x | 0.01x | 0.53x | 0.16x |
| Net DebtTotal debt minus cash | $157M | -$346M | $448M | $398M |
| Cash & Equiv.Liquid assets | $25M | $354M | $668M | $20M |
| Total DebtShort + long-term debt | $182M | $8M | $1.1B | $418M |
| Interest CoverageEBIT ÷ Interest expense | 0.86x | 229.22x | 0.75x | 23.88x |
Total Returns (Dividends Reinvested)
SAIA leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SAIA five years ago would be worth $18,332 today (with dividends reinvested), compared to $11,975 for DSGX. Over the past 12 months, SAIA leads with a +72.7% total return vs DSGX's -31.7%. The 3-year compound annual growth rate (CAGR) favors TRMK at 29.8% vs DSGX's -1.7% — a key indicator of consistent wealth creation.
| Metric | ||||
|---|---|---|---|---|
| YTD ReturnYear-to-date | -3.0% | -13.8% | +15.5% | +33.1% |
| 1-Year ReturnPast 12 months | -15.8% | -31.7% | +32.5% | +72.7% |
| 3-Year ReturnCumulative with dividends | +4.1% | -5.1% | +118.5% | +56.0% |
| 5-Year ReturnCumulative with dividends | +65.9% | +19.7% | +47.6% | +83.3% |
| 10-Year ReturnCumulative with dividends | +90.3% | +295.4% | +127.7% | +1567.7% |
| CAGR (3Y)Annualised 3-year return | +1.4% | -1.7% | +29.8% | +16.0% |
Risk & Volatility
Evenly matched — DSGX and SAIA each lead in 1 of 2 comparable metrics.
Risk & Volatility
DSGX is the less volatile stock with a 0.71 beta — it tends to amplify market swings less than SAIA's 1.90 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SAIA currently trades 98.0% from its 52-week high vs DSGX's 62.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||||
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.14x | 0.71x | 0.94x | 1.90x |
| 52-Week HighHighest price in past year | $66.25 | $117.35 | $45.99 | $457.99 |
| 52-Week LowLowest price in past year | $37.07 | $62.56 | $33.39 | $248.37 |
| % of 52W HighCurrent price vs 52-week peak | +66.8% | +62.5% | +97.6% | +98.0% |
| RSI (14)Momentum oscillator 0–100 | 28.8 | 47.7 | 56.0 | 60.4 |
| Avg Volume (50D)Average daily shares traded | 245K | 583K | 392K | 523K |
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Analyst consensus: DFIN as "Buy", DSGX as "Buy", TRMK as "Hold", SAIA as "Buy". Consensus price targets imply 49.2% upside for DFIN (target: $66) vs -5.9% for SAIA (target: $423). TRMK is the only dividend payer here at 2.15% yield — a key consideration for income-focused portfolios.
| Metric | ||||
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Hold | Buy |
| Price TargetConsensus 12-month target | $66.00 | $103.50 | $45.50 | $422.67 |
| # AnalystsCovering analysts | 10 | 14 | 9 | 32 |
| Dividend YieldAnnual dividend ÷ price | — | — | +2.2% | — |
| Dividend StreakConsecutive years of raises | — | — | 1 | — |
| Dividend / ShareAnnual DPS | — | — | $0.97 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +16.7% | +0.0% | +3.0% | +0.1% |
DSGX leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). DFIN leads in 1 (Valuation Metrics). 1 tied.
DFIN vs DSGX vs TRMK vs SAIA: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is DFIN or DSGX or TRMK or SAIA a better buy right now?
For growth investors, Trustmark Corporation (TRMK) is the stronger pick with 34.
8% revenue growth year-over-year, versus -1. 9% for Donnelley Financial Solutions, Inc. (DFIN). Trustmark Corporation (TRMK) offers the better valuation at 12. 1x trailing P/E (11. 5x forward), making it the more compelling value choice. Analysts rate Donnelley Financial Solutions, Inc. (DFIN) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — DFIN or DSGX or TRMK or SAIA?
On trailing P/E, Trustmark Corporation (TRMK) is the cheapest at 12.
1x versus Saia, Inc. at 47. 2x. On forward P/E, Donnelley Financial Solutions, Inc. is actually cheaper at 9. 4x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Trustmark Corporation wins at 1. 42x versus Saia, Inc. 's 3. 29x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — DFIN or DSGX or TRMK or SAIA?
Over the past 5 years, Saia, Inc.
(SAIA) delivered a total return of +83. 3%, compared to +19. 7% for The Descartes Systems Group Inc. (DSGX). Over 10 years, the gap is even starker: SAIA returned +1568% versus DFIN's +90. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — DFIN or DSGX or TRMK or SAIA?
By beta (market sensitivity over 5 years), The Descartes Systems Group Inc.
(DSGX) is the lower-risk stock at 0. 71β versus Saia, Inc. 's 1. 90β — meaning SAIA is approximately 168% more volatile than DSGX relative to the S&P 500. On balance sheet safety, The Descartes Systems Group Inc. (DSGX) carries a lower debt/equity ratio of 1% versus 53% for Trustmark Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — DFIN or DSGX or TRMK or SAIA?
By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.
8% versus -1. 9% for Donnelley Financial Solutions, Inc. (DFIN). On earnings-per-share growth, the picture is similar: The Descartes Systems Group Inc. grew EPS 16. 5% year-over-year, compared to -62. 4% for Donnelley Financial Solutions, Inc.. Over a 3-year CAGR, DSGX leads at 15. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — DFIN or DSGX or TRMK or SAIA?
The Descartes Systems Group Inc.
(DSGX) is the more profitable company, earning 22. 5% net margin versus 4. 2% for Donnelley Financial Solutions, Inc. — meaning it keeps 22. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: DSGX leads at 32. 3% versus 10. 9% for SAIA. At the gross margin level — before operating expenses — TRMK leads at 71. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is DFIN or DSGX or TRMK or SAIA more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Trustmark Corporation (TRMK) is the more undervalued stock at a PEG of 1. 42x versus Saia, Inc. 's 3. 29x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Donnelley Financial Solutions, Inc. (DFIN) trades at 9. 4x forward P/E versus 42. 3x for Saia, Inc. — 32. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for DFIN: 49. 2% to $66. 00.
08Which pays a better dividend — DFIN or DSGX or TRMK or SAIA?
In this comparison, TRMK (2.
2% yield) pays a dividend. DFIN, DSGX, SAIA do not pay a meaningful dividend and should not be held primarily for income.
09Is DFIN or DSGX or TRMK or SAIA better for a retirement portfolio?
For long-horizon retirement investors, Trustmark Corporation (TRMK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
94), 2. 2% yield, +127. 7% 10Y return). Both have compounded well over 10 years (TRMK: +127. 7%, DFIN: +90. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between DFIN and DSGX and TRMK and SAIA?
These companies operate in different sectors (DFIN (Financial Services) and DSGX (Technology) and TRMK (Financial Services) and SAIA (Industrials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: DFIN is a small-cap quality compounder stock; DSGX is a small-cap quality compounder stock; TRMK is a small-cap high-growth stock; SAIA is a mid-cap quality compounder stock. TRMK pays a dividend while DFIN, DSGX, SAIA do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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