(JOE) St Joe - Overview
Sector: Real Estate | Industry: Real Estate - Diversified | Exchange: NYSE (USA) | Market Cap: 3.663m USD | Total Return: 48.1% in 12m
Avg Turnover: 12.6M
EPS Trend: 47.8%
Rev. Trend: 92.7%
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
The St. Joe Company (NYSE: JOE) is a Florida-based real estate development and asset management firm operating through Residential, Hospitality, and Commercial segments. The company specializes in converting large land holdings into master-planned communities, luxury hospitality venues, and diverse commercial properties including retail and industrial spaces.
The business model relies heavily on land entitlement, where the company increases the value of raw acreage by securing government approvals for specific uses before development or sale. Unlike traditional homebuilders, St. Joe primarily functions as a developer that prepares infrastructure and sells finished homesites to third-party builders, reducing direct construction risk while maintaining a long-term interest in regional appreciation.
The Hospitality segment complements these land holdings by managing private clubs, marinas, and golf courses that drive demand for the surrounding residential developments. For a deeper look into the companys valuation metrics, consider reviewing the latest data on ValueRay. The Commercial segment further diversifies revenue through timber sales, insurance services, and leasing portfolios across multi-family and senior living sectors.
- Rapid population growth in Florida Panhandle fuels residential homesite demand
- Hospitality segment expansion drives recurring revenue through new hotel and club assets
- Rising interest rates impact homebuyer affordability and residential segment sales velocity
- Commercial leasing revenue scales through multi-family and senior living development projects
- Hurricane risk and insurance costs threaten operational margins and property valuations
| Net Income: 112.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.13 > 0.02 and ΔFCF/TA 7.89 > 1.0 |
| NWC/Revenue: 18.49% < 20% (prev -0.77%; Δ 19.26% < -1%) |
| CFO/TA 0.13 > 3% & CFO 203.9m > Net Income 112.1m |
| Net Debt (428.3m) to EBITDA (209.7m): 2.04 < 3 |
| Current Ratio: 2.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.5m) vs 12m ago -1.29% < -2% |
| Gross Margin: 92.60% > 18% (prev 0.42%; Δ 9.22k% > 0.5%) |
| Asset Turnover: 33.81% > 50% (prev 26.44%; Δ 7.36% > 0%) |
| Interest Coverage Ratio: 5.46 > 6 (EBITDA TTM 209.7m / Interest Expense TTM 29.8m) |
| A: 0.06 (Total Current Assets 190.6m - Total Current Liabilities 94.8m) / Total Assets 1.52b |
| B: 0.36 (Retained Earnings 540.9m / Total Assets 1.52b) |
| C: 0.11 (EBIT TTM 163.0m / Avg Total Assets 1.53b) |
| D: 1.04 (Book Value of Equity 771.3m / Total Liabilities 743.4m) |
| Altman-Z'' = 3.38 = A |
| DSRI: 0.76 (Receivables 40.5m/42.1m, Revenue 518.1m/409.1m) |
| GMI: 0.45 (GM 92.60% / 41.86%) |
| AQI: 0.94 (AQ_t 0.85 / AQ_t-1 0.90) |
| SGI: 1.27 (Revenue 518.1m / 409.1m) |
| TATA: -0.06 (NI 112.1m - CFO 203.9m) / TA 1.52b) |
| Beneish M = -3.63 (Cap -4..+1) = AAA |
As of May 29, 2026, the stock is trading at USD 64.22 with a total of 149,879 shares traded.
Over the past week, the price has changed by -1.15%,
over one month by -9.49%,
over three months by -10.81% and
over the past year by +48.06%.
St Joe has no consensus analysts rating.
| Analysts Target Price | 19 | -70.4% |
P/E Trailing = 33.0622
P/E Forward = 50.2513
P/S = 7.0708
P/B = 4.7832
P/EG = -2.72
Revenue TTM = 518.1m USD
EBIT TTM = 163.0m USD
EBITDA TTM = 209.7m USD
Long Term Debt = 559.3m USD (from longTermDebt, last quarter)
Short Term Debt = 12.2m USD (from shortTermDebt, last fiscal year)
Debt = 564.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.64m
Net Debt = 428.3m USD (calculated: Debt 564.6m - CCE 136.3m)
Enterprise Value = 4.09b USD (3.66b + Debt 564.6m - CCE 136.3m)
Interest Coverage Ratio = 5.46 (Ebit TTM 163.0m / Interest Expense TTM 29.8m)
EV/FCF = 20.56x (Enterprise Value 4.09b / FCF TTM 199.0m)
FCF Yield = 4.86% (FCF TTM 199.0m / Enterprise Value 4.09b)
FCF Margin = 38.42% (FCF TTM 199.0m / Revenue TTM 518.1m)
Net Margin = 21.64% (Net Income TTM 112.1m / Revenue TTM 518.1m)
Gross Margin = 92.60% ((Revenue TTM 518.1m - Cost of Revenue TTM 38.3m) / Revenue TTM)
Gross Margin QoQ = 38.31% (prev none%)
Tobins Q-Ratio = 2.70 (Enterprise Value 4.09b / Total Assets 1.52b)
Interest Expense / Debt = 5.29% (Interest Expense 29.8m / Debt 564.6m)
Taxrate = 25.34% (4.51m / 17.8m)
NOPAT = 121.7m (EBIT 163.0m * (1 - 25.34%))
Current Ratio = 2.01 (Total Current Assets 190.6m / Total Current Liabilities 94.8m)
Debt / Equity = 0.74 (Debt 564.6m / totalStockholderEquity, last quarter 765.9m)
Debt / EBITDA = 2.04 (Net Debt 428.3m / EBITDA 209.7m)
Debt / FCF = 2.15 (Net Debt 428.3m / FCF TTM 199.0m)
Total Stockholder Equity = 757.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.31% (Net Income 112.1m / Total Assets 1.52b)
RoE = 14.79% (Net Income TTM 112.1m / Total Stockholder Equity 757.9m)
RoCE = 12.37% (EBIT 163.0m / Capital Employed (Equity 757.9m + L.T.Debt 559.3m))
RoIC = 8.48% (NOPAT 121.7m / Invested Capital 1.44b)
WACC = 7.39% (E(3.66b)/V(4.23b) * Re(7.92%) + D(564.6m)/V(4.23b) * Rd(5.29%) * (1-Tc(0.25)))
Discount Rate = 7.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Terminal Value 77.97% ; FCFF base≈151.7m ; Y1≈173.9m ; Y5≈256.0m
[DCF] Fair Price = 59.64 (EV 3.85b - Net Debt 428.3m = Equity 3.42b / Shares 57.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 47.77 | EPS CAGR: 9.01% | SUE: N/A | # QB: 0
Revenue Correlation: 92.72 | Revenue CAGR: 15.73% | SUE: N/A | # QB: 0