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St. Joe Co (JOE)
:JOE
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St Joe Company
(NYSE:JOE)
Select Model
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Rating:71Outperform
Price Target:
$54.00
▲(10.63% Upside)
St Joe Company shows strong financial performance and positive earnings call sentiment, which are the most significant factors driving the score. Technical analysis and valuation indicate some caution, with the stock appearing relatively expensive and showing neutral technical signals. The company's strategic initiatives and growth prospects provide a positive outlook, despite some challenges.
St Joe Company (JOE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.84B
Dividend Yield1.1%
Average Volume (3M)180.13K
Price to Earnings (P/E)35.7
Beta (1Y)0.86
Revenue Growth10.09%
EPS Growth16.70%
CountryUS
Employees863
SectorReal Estate
Sector Strength53
IndustryReal Estate - Diversified
Share Statistics
EPS (TTM)0.67
Shares Outstanding57,908,215
10 Day Avg. Volume145,934
30 Day Avg. Volume180,126
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap0.00
Enterprise Value/Revenue0.00
Enterprise Value/Gross Profit0.00
Enterprise Value/Ebitda0.00
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
St Joe Company Business Overview & Revenue Model
Company DescriptionSt. Joe Company (JOE) is a diversified real estate development and land management company based in Florida. The company primarily operates in the sectors of residential and commercial real estate, tourism, and hospitality. It is known for its significant land holdings along the Gulf Coast of Florida and is involved in various projects that include master-planned communities, commercial properties, and resort developments, catering to both residents and tourists.
How the Company Makes MoneySt. 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 Earnings Call Summary
Earnings Call Date:Oct 29, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Feb 25, 2026
Earnings Call Sentiment Positive
The earnings call highlights a strong financial performance with significant growth in revenue, strategic developments, and infrastructure improvements. However, challenges such as a slight decline in memberships, lot development issues, and interest rate concerns were noted. The company's proactive approach in addressing these challenges and its strategic capital allocation indicates a positive outlook.Q2-2025 Updates
Positive Updates
Strong Financial Performance
The company reported 16% growth in revenue, 20% growth in net income, and 27% growth in real estate revenue. Recurring revenue streams have also shown significant growth, with leasing revenue increasing by 11% and hospitality revenue by 10%, both reaching quarterly records.
Significant Strategic Developments
The Bay County Commission approved the Pigeon Creek DSAP for over 3,000 residential units and 400,000 square feet of commercial space. A new boutique real estate brokerage, WaterSound Real Estate, was launched, and Topgolf opened in Panama City Beach.
Infrastructure and Regional Growth
The Florida Governor approved $414 million in bonds for a new FSU Health Teaching Research Hospital, and a $5 million appropriation was made for a new sanitary sewer plant to support future growth.
Share Repurchase and Capital Allocation
The company accelerated share repurchase with $16.2 million spent in the first half of 2025, reducing the outstanding share balance to below $58 million for the first time in 29 years.
Negative Updates
Membership Decline and Adjustments
There was a slight decrease in memberships due to recalibration of membership types and increased entry fees and monthly dues, which has historically led to slowdowns in membership growth.
Challenges in Lot Development
Despite having more active communities and national builders, there was a decline in homesites under contract compared to previous years, attributed to the time it takes to engineer, permit, and develop infrastructure.
Interest Rate Concerns
The company identified high mortgage interest rates as a bottleneck affecting the sales and decision-making process of potential homebuyers.
Company Guidance
In the second quarter of 2025, The St. Joe Company reported solid financial performance, highlighted by a 16% increase in revenue and a 20% growth in net income, driven by a 27% rise in real estate revenue. The company achieved record quarterly leasing revenue, up 11%, and hospitality revenue, up 10%. Notably, recurring revenue now constitutes 63% of total revenue, emphasizing a strategic shift towards sustainable income streams. The company allocated $36.5 million for capital expenditures, $10.1 million for share repurchases, $8.1 million for dividends, and $7.7 million for debt reduction. Share repurchases have reduced the outstanding share count below 58 million for the first time in 29 years. The company also made progress with several strategic initiatives, including the approval of the Pigeon Creek DSAP for substantial residential and commercial development, and the launch of WaterSound Real Estate, a new brokerage venture. Additionally, infrastructure and transportation developments, such as new flight routes and the approval of bonds for a new medical facility, are expected to enhance the region's growth prospects.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.78
Positive
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.72
Positive
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.65
Positive
| 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
Negative
48.81
Price Trends
49.81
Negative
49.54
Negative
47.40
Positive
Market Momentum
0.20
Negative
47.29
Neutral
62.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JOE, the sentiment is Negative. The current price of 48.81 is below the 20-day moving average (MA) of 48.85, below the 50-day MA of 49.81, and above the 200-day MA of 47.40, indicating a neutral trend. The MACD of 0.20 indicates Negative momentum. The RSI at 47.29 is Neutral, neither overbought nor oversold. The STOCH value of 62.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JOE.
St Joe Company Risk Analysis
St Joe Company disclosed 33 risk factors in its most recent earnings report. St Joe Company reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
St Joe Company Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | $143.51M | 9.11 | 33.27% | ― | 18.44% | 82.52% | |
| ― | $3.48B | 9.94 | 36.96% | 11.76% | 9.90% | 137.73% | |
| ― | $2.84B | 35.69 | 11.44% | 1.10% | 10.09% | 16.70% | |
| ― | $2.73B | 15.24 | 5.54% | 8.77% | 2.42% | -13.51% | |
| ― | $4.69B | 17.23 | 7.80% | ― | 62.02% | ― | |
| ― | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
| ― | $3.14B | 79.73 | 2.07% | 4.43% | -1.15% | 14.51% |
* Real Estate Sector Average
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St Joe Company Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
St Joe Company Reports Strong Q3 2025 Results
Positive
Oct 29, 2025
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.
The most recent analyst rating on (JOE) stock is a Buy with a $54.00 price target. To see the full list of analyst forecasts on St Joe Company stock, see the JOE Stock Forecast page.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.