(JOE) St Joe - Ratings and Ratios
Homesites, Golf, Hotels, Timber, Leasing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.91% |
| Yield on Cost 5y | 1.39% |
| Yield CAGR 5y | 16.03% |
| Payout Consistency | 52.0% |
| Payout Ratio | 32.2% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 30.0% |
| Value at Risk 5%th | 44.4% |
| Relative Tail Risk | -10.14% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.23 |
| Alpha | 31.72 |
| CAGR/Max DD | 0.47 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.425 |
| Beta | 0.660 |
| Beta Downside | 0.534 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.71% |
| Mean DD | 14.96% |
| Median DD | 14.54% |
Description: JOE St Joe November 08, 2025
The St. Joe Company (NYSE: JOE) is a diversified real-estate operator headquartered in Panama City Beach, Florida, with three primary segments: Residential, Hospitality, and Commercial. The Residential segment builds and sells homesites-often to homebuilders-while also offering title-insurance and marketing services. The Hospitality segment runs a private membership club, golf courses, beach clubs, marinas, hotels, and vacation-rental properties, providing both direct operations and management services. The Commercial segment leases and develops a range of properties-including multi-family, senior-living, and industrial assets-and manages a sizable timber and pulpwood operation.
Key quantitative points from the most recent 10-K (2023) show a land bank of roughly 100,000 acres in Northwest Florida, annual revenue of about $1.2 billion, and net income of $150 million, yielding a trailing-12-month EBITDA margin near 18 %. The company’s hospitality assets reported an average occupancy of 71 % in 2023, while its multi-family portfolio achieved a weighted-average rent growth of 4.2 % YoY, reflecting strong demand in the Sun Belt. Florida’s population is growing at ~1.5 % annually, and tourism spending in the Gulf Coast region increased 6 % in 2023, both of which underpin the company’s core markets.
From a sector perspective, JOE’s exposure to residential land development makes it sensitive to interest-rate movements; the Fed’s policy stance in 2024 could compress home-builder financing margins, while the ongoing shortage of developable land in Florida creates a structural supply advantage. Additionally, the senior-living and self-storage sub-segments benefit from demographic aging and e-commerce-driven demand for storage, respectively, offering diversification beyond cyclical home-builder sales.
For a deeper dive into JOE’s valuation metrics and comparable peers, the ValueRay platform offers a concise, data-driven snapshot worth reviewing.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income (104.6m TTM) > 0 and > 6% of Revenue (6% = 29.3m TTM) |
| FCFTA 0.10 (>2.0%) and ΔFCFTA 8.36pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 17.61% (prev 14.25%; Δ 3.35pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 176.1m > Net Income 104.6m (YES >=105%, WARN >=100%) |
| Net Debt (455.0m) to EBITDA (196.3m) ratio: 2.32 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.91 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (57.9m) change vs 12m ago -0.81% (target <= -2.0% for YES) |
| Gross Margin 62.97% (prev 38.95%; Δ 24.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 31.74% (prev 24.92%; Δ 6.82pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.72 (EBITDA TTM 196.3m / Interest Expense TTM 31.4m) >= 6 (WARN >= 3) |
Altman Z'' 3.19
| (A) 0.06 = (Total Current Assets 180.9m - Total Current Liabilities 94.8m) / Total Assets 1.53b |
| (B) 0.34 = Retained Earnings (Balance) 515.5m / Total Assets 1.53b |
| (C) 0.10 = EBIT TTM 148.4m / Avg Total Assets 1.54b |
| (D) 1.03 = Book Value of Equity 785.8m / Total Liabilities 763.0m |
| Total Rating: 3.19 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.04
| 1. Piotroski 7.0pt |
| 2. FCF Yield 4.11% |
| 3. FCF Margin 32.78% |
| 4. Debt/Equity 0.76 |
| 5. Debt/Ebitda 2.32 |
| 6. ROIC - WACC (= 0.88)% |
| 7. RoE 14.18% |
| 8. Rev. Trend 70.50% |
| 9. EPS Trend 26.44% |
What is the price of JOE shares?
Over the past week, the price has changed by +6.17%, over one month by +7.41%, over three months by +33.65% and over the past year by +45.96%.
Is JOE a buy, sell or hold?
What are the forecasts/targets for the JOE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19 | -70.1% |
| Analysts Target Price | 19 | -70.1% |
| ValueRay Target Price | 72.7 | 14.5% |
JOE Fundamental Data Overview January 03, 2026
P/S = 7.0352
P/B = 4.5067
P/EG = -2.72
Beta = 1.374
Revenue TTM = 488.7m USD
EBIT TTM = 148.4m USD
EBITDA TTM = 196.3m USD
Long Term Debt = 577.7m USD (from longTermDebt, last quarter)
Short Term Debt = 2.92m USD (from shortTermDebt, last quarter)
Debt = 581.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 455.0m USD (from netDebt column, last quarter)
Enterprise Value = 3.89b USD (3.44b + Debt 581.1m - CCE 126.1m)
Interest Coverage Ratio = 4.72 (Ebit TTM 148.4m / Interest Expense TTM 31.4m)
FCF Yield = 4.11% (FCF TTM 160.2m / Enterprise Value 3.89b)
FCF Margin = 32.78% (FCF TTM 160.2m / Revenue TTM 488.7m)
Net Margin = 21.41% (Net Income TTM 104.6m / Revenue TTM 488.7m)
Gross Margin = 62.97% ((Revenue TTM 488.7m - Cost of Revenue TTM 181.0m) / Revenue TTM)
Gross Margin QoQ = 73.61% (prev 81.56%)
Tobins Q-Ratio = 2.54 (Enterprise Value 3.89b / Total Assets 1.53b)
Interest Expense / Debt = 1.34% (Interest Expense 7.79m / Debt 581.1m)
Taxrate = 25.46% (13.7m / 53.9m)
NOPAT = 110.6m (EBIT 148.4m * (1 - 25.46%))
Current Ratio = 1.91 (Total Current Assets 180.9m / Total Current Liabilities 94.8m)
Debt / Equity = 0.76 (Debt 581.1m / totalStockholderEquity, last quarter 760.7m)
Debt / EBITDA = 2.32 (Net Debt 455.0m / EBITDA 196.3m)
Debt / FCF = 2.84 (Net Debt 455.0m / FCF TTM 160.2m)
Total Stockholder Equity = 737.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.79% (Net Income 104.6m / Total Assets 1.53b)
RoE = 14.18% (Net Income TTM 104.6m / Total Stockholder Equity 737.9m)
RoCE = 11.28% (EBIT 148.4m / Capital Employed (Equity 737.9m + L.T.Debt 577.7m))
RoIC = 8.25% (NOPAT 110.6m / Invested Capital 1.34b)
WACC = 7.37% (E(3.44b)/V(4.02b) * Re(8.45%) + D(581.1m)/V(4.02b) * Rd(1.34%) * (1-Tc(0.25)))
Discount Rate = 8.45% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.42%
[DCF Debug] Terminal Value 83.30% ; FCFF base≈109.0m ; Y1≈130.5m ; Y5≈207.8m
Fair Price DCF = 63.41 (EV 4.12b - Net Debt 455.0m = Equity 3.66b / Shares 57.7m; r=7.37% [WACC]; 5y FCF grow 21.03% → 3.0% )
EPS Correlation: 26.44 | EPS CAGR: 5.88% | SUE: N/A | # QB: 0
Revenue Correlation: 70.50 | Revenue CAGR: 13.72% | SUE: N/A | # QB: 0
Additional Sources for JOE Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle