St Joe Company (JOE) AI Stock Analysis

• Market Cap: $2.95B
• Dividend Yield: 1.11%
• Average Volume (3M): 243.59K
• Price to Earnings (P/E): 35.9
• Beta (1Y): 0.90
• Revenue Growth: 10.09%
• EPS Growth: 16.70%
• Country: US
• Employees: 863
• Sector: Real Estate
• Sector Strength: 59
• Industry: Real Estate - Diversified
• EPS (TTM): 0.51
• Shares Outstanding: 57,908,215
• 10 Day Avg. Volume: 224,083
• 30 Day Avg. Volume: 243,590
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 7.32
• Enterprise Value/Gross Profit: 12.67
• Enterprise Value/Ebitda: 19.51
• 1Y Price Target: $57.00
• Price Target Upside: 11.76% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: $57.00 ▲(11.76% Upside)

St Joe Company demonstrates strong financial health and positive earnings call sentiment, driving the overall score. The company's effective cash management, strategic developments, and stable technical indicators are significant strengths. However, a high P/E ratio suggests potential overvaluation, and modest dividend yield limits income potential.

St Joe Company Business Overview & Revenue Model

Company Description

The St. Joe Company (JOE) is a real estate development, asset management, and operating company headquartered in Panama City Beach, Florida. With a focus on the Gulf Coast of Florida, the company engages in a broad range of activities such as residential, commercial, and industrial real estate development and management. St. Joe also operates hospitality and leisure businesses, including resort and club operations, and holds significant timber assets.

How the Company Makes Money

St. Joe Company generates revenue through several key streams. Primarily, it earns money from the sale and development of residential and commercial real estate properties. This includes the planning, construction, and sale of homes and commercial spaces in master-planned communities. Additionally, the company derives income from its hospitality and leisure operations, which encompass resorts, golf clubs, and marinas that generate revenue through memberships, room bookings, and related services. St. Joe also capitalizes on its vast timber holdings by selling timber and leasing land for agriculture and hunting. Strategic partnerships with other developers and local governments further enhance its revenue generation by facilitating large-scale projects and infrastructure developments.

St Joe Company Financial Statement Overview

Summary

St Joe Company's financial performance is strong, marked by revenue growth, improved profit margins, and elimination of debt. The income statement shows solid performance with a 4.9% revenue increase and enhanced gross profit margin. The balance sheet is robust with a 47% equity ratio and no debt, reflecting financial stability. Cash flow improvements are evident with a 48.7% growth in free cash flow, indicating effective cash 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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	402.74M	389.29M	252.30M	267.00M	160.50M
Gross Profit	167.22M	153.31M	105.70M	135.00M	82.80M
EBITDA	141.97M	129.51M	84.36M	112.66M	57.87M
Net Income	74.19M	77.71M	70.93M	74.55M	45.20M
Balance Sheet
Total Assets	1.54B	1.52B	1.43B	1.21B	1.04B
Cash, Cash Equivalents and Short-Term Investments	88.76M	86.07M	78.30M	159.20M	154.90M
Total Debt	621.01M	632.89M	563.80M	400.60M	336.20M
Total Liabilities	801.84M	825.04M	779.70M	582.10M	469.10M
Stockholders Equity	724.28M	683.06M	651.10M	626.10M	568.20M
Cash Flow
Free Cash Flow	58.06M	-36.12M	-210.94M	-41.70M	-84.44M
Operating Cash Flow	107.99M	103.85M	48.22M	111.80M	37.33M
Investing Cash Flow	-50.38M	-99.14M	-189.78M	-196.09M	-164.50M
Financing Cash Flow	-52.07M	40.76M	112.46M	48.57M	48.61M

St Joe Company Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 51.00
• 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 51 is above the 20-day moving average (MA) of 50.59, above the 50-day MA of 48.50, and above the 200-day MA of 47.26, indicating a neutral trend. The MACD of 0.52 indicates Positive momentum. The RSI at 52.17 is Neutral, neither overbought nor oversold. The STOCH value of 31.09 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	77 Outperform	$3.42B	23.26	10.49%	4.83%	7.44%	4.23%
JOE	76 Outperform	$2.95B	35.89	11.44%	1.11%	10.09%	16.70%
CURB	75 Outperform	$2.37B	141.83	1.16%	2.60%	―	―
HHH	74 Outperform	$3.48B	15.36	7.80%	―	82.64%	―
Sector *	67 Neutral	€5.17B	19.06	1082.11%	5.34%	1.41%	99.06%
DEI	63 Neutral	$3.07B	70.89	1.76%	5.23%	-1.98%	―
BXMT	63 Neutral	$3.20B	―	-0.33%	10.01%	-20.46%	-1436.71%

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.

St. Joe Company Shareholders Approve 2025 Incentive Plan

On May 13, 2025, The St. Joe Company held its 2025 Annual Meeting of Shareholders where the shareholders approved the 2025 Performance and Equity Incentive Plan. This approval marks a significant step in aligning the company’s strategic goals with shareholder interests, potentially impacting its operational and financial strategies moving forward.

St Joe Company Highlights Strategic Growth Plans at Meeting

The St. Joe Company presented its strategic plans at the 2025 Annual Shareholders Meeting, emphasizing its consistent business strategy of expanding its portfolio of income-producing properties and developing scalable residential communities. The company highlighted its efficient capital allocation and strong financial performance, including a steady dividend program and significant growth in net income and earnings per share. The company’s joint venture developments and strategic land holdings are positioned to drive future growth, with a focus on maintaining low overhead costs while expanding its residential, hospitality, and commercial segments.