St Joe Company (JOE) AI Stock Analysis

• Market Cap: $2.94B
• Dividend Yield: 1.1%
• Average Volume (3M): 234.42K
• Price to Earnings (P/E): 35.4
• Beta (1Y): 0.86
• Revenue Growth: 10.09%
• EPS Growth: 16.70%
• Country: US
• Employees: 863
• Sector: Real Estate
• Sector Strength: 48
• Industry: Real Estate - Diversified
• EPS (TTM): 0.51
• Shares Outstanding: 57,908,215
• 10 Day Avg. Volume: 274,526
• 30 Day Avg. Volume: 234,419
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 7.32
• Enterprise Value/Gross Profit: 12.67
• Enterprise Value/Ebitda: 20.98
• 1Y Price Target: $54.00
• Price Target Upside: 6.34% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: $54.00 ▲(6.34% Upside)

The overall stock score reflects strong financial performance and a positive outlook from the earnings call, which are the most significant factors. Technical analysis and valuation present some concerns, with bearish momentum and a high P/E ratio suggesting caution. The company's strategic initiatives and proactive management are positive indicators for future growth.

St Joe Company Business Overview & Revenue Model

Company Description

The St. Joe Company, together with its subsidiaries, operates as a real estate development, asset management, and operating company in Northwest Florida. It operates through three segments: Residential, Hospitality, and Commercial. The Residential segment plans and develops residential communities of various sizes for homebuilders or retail consumers. It primarily sells developed homesites and parcels of entitled or undeveloped land. The Hospitality segment owns and operates a private membership club, golf courses, beach clubs, retail outlets, marinas, and other entertainment assets. This segment also engages in the hotel, food and beverage, and gulf-front vacation rental operations, as well as provides management services. The Commercial segment engages in leasing of commercial property, multi-family, a senior living community, and other assets. This segment also plans, develops, entitles, manages, and sells commercial land holdings for retail, office, hotel, senior living, multi-family, self-storage, and industrial uses; and grows and sells pulpwood, sawtimber, and other forest products. The company owns 170,000 acres of land in Northwest Florida. The St. Joe Company was incorporated in 1936 and is based in Panama City Beach, Florida.

How the Company Makes Money

St. Joe Company generates revenue through several key streams. Primarily, it earns income from the sale of residential and commercial real estate, leveraging its extensive land holdings to develop and sell properties in high-demand areas. The company also derives revenue from leasing commercial properties, which provides a steady income stream. Additionally, St. Joe engages in tourism-related activities, including the operation of resorts and recreational facilities that attract visitors to the region. Partnerships with local governments and businesses can also enhance its revenue potential through collaborative development projects and community initiatives. Overall, the company’s ability to capitalize on Florida's growing real estate market and tourism sector significantly contributes to its earnings.

St Joe Company Financial Statement Overview

Summary

The company's financial performance is strong, with consistent revenue growth and improved gross profit margins. The balance sheet is robust with no debt and a healthy equity ratio, while cash flow trends are positive, indicating a turnaround in cash flow management.

Income Statement

The company's income statement demonstrates solid performance with consistent revenue growth. TTM revenue increased by 4.9% compared to the previous year, showcasing a positive growth trajectory. The gross profit margin improved significantly, indicating better cost management and pricing strategies. However, the EBIT margin remained relatively stable, suggesting room for operational efficiency improvements. Net profit margin also showed a healthy increase, reflecting effective management of expenses relative to revenue growth.

Balance Sheet

The balance sheet is strong, with a notable improvement in the equity ratio, reaching 47% in TTM, which implies a robust capital structure. The company has eliminated its debt, reducing financial risk significantly. Return on Equity (ROE) is healthy at 10.7%, indicating efficient use of shareholder funds to generate profits. Overall, the balance sheet reflects financial stability and low leverage, positioning the company well in the real estate industry.

Cash Flow

Cash flow analysis reveals positive trends, with free cash flow growth of 48.7% in TTM, driven by strong operating cash flow. The operating cash flow to net income ratio is approximately 1.4, indicating that the company is generating ample operating cash relative to net income. The free cash flow to net income ratio also improved, reflecting enhanced cash generation capabilities. Despite previous years of negative free cash flow, recent improvements suggest a turnaround in cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	426.62M	402.74M	389.29M	252.30M	267.00M	160.50M
Gross Profit	246.57M	167.22M	153.31M	106.42M	135.00M	82.80M
EBITDA	148.88M	141.97M	129.51M	84.36M	110.79M	55.19M
Net Income	82.74M	74.19M	77.71M	70.93M	74.55M	45.20M
Balance Sheet
Total Assets	1.55B	1.54B	1.52B	1.43B	1.21B	1.04B
Cash, Cash Equivalents and Short-Term Investments	88.16M	88.76M	86.07M	78.30M	159.20M	154.90M
Total Debt	609.74M	621.01M	632.89M	563.80M	400.60M	336.20M
Total Liabilities	798.45M	801.84M	825.04M	779.70M	582.10M	469.10M
Stockholders Equity	738.76M	724.28M	683.06M	630.80M	607.41M	550.62M
Cash Flow
Free Cash Flow	88.99M	58.06M	-36.12M	-210.94M	-41.70M	-84.44M
Operating Cash Flow	117.65M	107.99M	103.85M	48.22M	111.80M	37.33M
Investing Cash Flow	-37.75M	-50.38M	-99.14M	-189.78M	-196.09M	-164.50M
Financing Cash Flow	-74.37M	-52.07M	40.76M	112.46M	48.57M	48.61M

St Joe Company Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 50.78
• 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 50.78 is above the 20-day moving average (MA) of 50.25, above the 50-day MA of 49.61, and above the 200-day MA of 46.92, indicating a bullish trend. The MACD of 0.16 indicates Positive momentum. The RSI at 54.01 is Neutral, neither overbought nor oversold. The STOCH value of 71.30 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
NHI	79 Outperform	$3.64B	24.53	10.49%	4.69%	6.87%	7.23%
HHH	74 Outperform	$4.45B	16.37	7.80%	―	62.02%	―
CURB	72 Outperform	$2.36B	140.69	1.16%	2.54%	―	―
JOE	69 Neutral	$2.94B	35.36	11.44%	1.10%	10.09%	16.70%
DEI	63 Neutral	$3.15B	71.77	1.74%	4.91%	-0.57%	―
BXMT	63 Neutral	$3.33B	―	-0.33%	9.69%	-19.20%	92.16%
Sector *	63 Neutral	$7.00B	13.54	-0.52%	7.07%	3.61%	-22.78%

St Joe Company Corporate Events

St Joe Company Appoints New Independent Director

On July 22, 2025, Elizabeth Dantin Franklin was appointed as an independent director of The St. Joe Company, bringing over 30 years of financial and governance expertise to the board. The company also reported a robust financial performance for the second quarter of 2025, with a 16% increase in revenue and a 20% rise in net income compared to the previous year. Key growth areas included real estate, hospitality, and leasing revenues, reflecting the company’s strategic focus on expanding recurring revenue streams and capital allocation. Additionally, the board declared a quarterly cash dividend, showcasing the company’s commitment to returning value to shareholders.