St Joe Company (JOE) AI Stock Analysis

• Market Cap: $3.43B
• Dividend Yield: 0.93%
• Average Volume (3M): 222.42K
• Price to Earnings (P/E): 33.0
• Beta (1Y): 0.77
• Revenue Growth: 26.89%
• EPS Growth: 53.54%
• Country: US
• Employees: 863
• Sector: Real Estate
• Sector Strength: 53
• Industry: Real Estate - Diversified
• EPS (TTM): 0.67
• Shares Outstanding: 57,744,530
• 10 Day Avg. Volume: 188,016
• 30 Day Avg. Volume: 222,417
• PEG Ratio: -7.83
• Price to Book (P/B): 3.62
• Price to Sales (P/S): 6.51
• P/FCF Ratio: 45.14
• Enterprise Value/Market Cap: 0.92
• Enterprise Value/Revenue: 6.44
• Enterprise Value/Gross Profit: 10.23
• Enterprise Value/Ebitda: 16.04
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $63.00 ▲(3.70% Upside)

St Joe Company demonstrates strong financial performance with impressive revenue and profit growth, supported by positive earnings call highlights. Technical indicators show positive momentum, although the stock's valuation appears high. Concerns about capital deployment and asset monetization slightly temper the outlook.

Positive Factors

Revenue Growth

The substantial revenue and net income growth indicates strong market demand and effective business strategies, supporting long-term expansion.

Asset Monetization

Successful asset sales demonstrate the company's ability to strategically monetize properties, enhancing financial flexibility and capital allocation.

Strategic Partnerships

The expansion of flight connections enhances accessibility and market opportunities, potentially driving tourism and real estate demand in the region.

Negative Factors

Operational Margin Pressure

Decreasing EBIT margins indicate rising operational costs, which could impact profitability if not managed effectively over the long term.

Capital Deployment Concerns

Concerns about capital utilization suggest potential inefficiencies in deploying resources to maximize shareholder value and growth opportunities.

Monetization Challenges

Difficulties in monetizing non-core assets could limit financial flexibility and hinder strategic investments in growth areas.

St Joe Company Business Overview & Revenue Model

Company Description

St Joe Company (NYSE: JOE) is a diversified real estate development and land management company based in Florida, primarily focused on the development of residential and commercial properties across the Florida panhandle. The company owns a substantial amount of land, which it strategically develops for various uses, including single-family homes, multi-family units, and commercial spaces. St Joe also engages in the hospitality sector through the development and management of resorts and recreational facilities, positioning itself as a key player in the region's growth and tourism.

How the Company Makes Money

St Joe Company generates revenue primarily through the sale and development of real estate properties. The company's key revenue streams include residential home sales, commercial real estate sales, and leasing income from developed commercial properties. Additionally, St Joe's involvement in resort and hospitality management contributes to its earnings through hotel room bookings, event hosting, and recreational activities. Significant partnerships with local governments and developers enhance St Joe's ability to manage and develop land efficiently, while favorable market conditions in the Florida panhandle, driven by population growth and tourism, further bolster the company's financial performance.

St Joe Company Financial Statement Overview

Summary

St Joe Company exhibits strong financial health with impressive revenue and profit growth, effective leverage management, and robust cash flow generation. While operational margins show some pressure, the overall financial position is solid, with potential for continued growth and stability in the real estate sector.

Income Statement

The company shows strong revenue growth with a 14.55% increase in TTM, indicating a positive trajectory. Gross profit margin improved significantly to 67.01%, reflecting efficient cost management. Net profit margin also increased to 21.41%, showcasing enhanced profitability. However, the EBIT margin decreased compared to previous years, suggesting potential operational cost pressures.

Balance Sheet

The debt-to-equity ratio has improved to 0.53 in TTM, indicating better leverage management. Return on equity increased to 14.18%, demonstrating effective use of equity to generate profits. However, the equity ratio remains stable, suggesting limited changes in asset financing structure.

Cash Flow

Free cash flow growth surged by 80.01% in TTM, highlighting robust cash generation capabilities. The operating cash flow to net income ratio is strong at 1.49, indicating good cash conversion. However, the free cash flow to net income ratio, while improved, suggests room for further enhancement in cash profitability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	488.69M	402.74M	389.29M	252.30M	267.00M	160.56M
Gross Profit	307.71M	167.22M	153.31M	106.42M	135.68M	82.78M
EBITDA	196.32M	141.97M	169.46M	84.36M	132.79M	86.17M
Net Income	104.61M	74.19M	77.71M	70.93M	74.55M	45.20M
Balance Sheet
Total Assets	1.53B	1.54B	1.52B	1.43B	1.21B	1.04B
Cash, Cash Equivalents and Short-Term Investments	126.05M	88.80M	86.07M	78.32M	159.12M	154.84M
Total Debt	581.09M	675.42M	632.89M	569.36M	406.38M	337.33M
Total Liabilities	763.04M	801.84M	825.04M	779.73M	582.05M	469.15M
Stockholders Equity	760.71M	724.28M	683.06M	630.80M	607.41M	550.62M
Cash Flow
Free Cash Flow	160.20M	58.06M	-36.12M	-210.94M	-41.70M	-84.44M
Operating Cash Flow	176.13M	107.99M	103.85M	48.22M	111.80M	37.33M
Investing Cash Flow	-25.30M	-50.38M	-99.14M	-189.78M	-196.09M	-164.50M
Financing Cash Flow	-109.46M	-52.07M	40.76M	112.46M	48.57M	48.61M

St Joe Company Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 60.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JOE, the sentiment is Positive. The current price of 60.75 is above the 20-day moving average (MA) of 59.26, above the 50-day MA of 54.86, and above the 200-day MA of 49.07, indicating a bullish trend. The MACD of 1.55 indicates Positive momentum. The RSI at 65.58 is Neutral, neither overbought nor oversold. The STOCH value of 47.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JOE.

St Joe Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JOE	78 Outperform	$3.43B	32.95	14.16%	0.93%	26.89%	53.54%
HHH	72 Outperform	$5.02B	16.61	8.79%	―	59.27%	240.63%
RYN	72 Outperform	$3.31B	8.86	38.06%	12.61%	8.88%	131.78%
CHCI	67 Neutral	$135.37M	9.74	28.39%	―	22.98%	124.09%
PCH	66 Neutral	$3.03B	47.84	3.25%	4.57%	5.40%	294.38%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
APLE	64 Neutral	$2.78B	15.98	5.41%	8.48%	0.57%	-13.58%

St Joe Company Corporate Events

St Joe Company Reports Strong Q3 2025 Results

The St. Joe Company reported a significant increase in its third-quarter financial results for 2025, with net income rising by 130% to $38.7 million and revenue increasing by 63% to $161.1 million compared to the same period in 2024. The company also announced a 14% increase in its quarterly dividend to $0.16 per share, reflecting its strong financial performance and strategic capital allocation, including stock repurchases and debt repayment. Notably, the sale of the Watercrest senior living community for $41.0 million highlighted the company’s ability to create and monetize asset value, although it does not plan to expand in the senior living sector due to operational challenges.