The St. Joe Company (JOE) AI Stock Analysis

The St. Joe Company operates as a diversified real estate development, asset management, and operating firm focused on Northwest Florida, holding 170,000 acres of land. It conducts operations through three segments: Residential, Hospitality, and Commercial. The Residential segment develops communities and sells developed homesites and land parcels to homebuilders and retail consumers. The Hospitality segment manages private membership clubs, golf courses, beach clubs, retail outlets, marinas, hotel operations, and vacation rentals. The Commercial segment leases properties including multi-family and senior living facilities, develops commercial land, and cultivates and sells timber products such as pulpwood and sawtimber.

Between FY2020 and FY2025, revenue increased at a 5-year CAGR of 26.2%. Revenue moved from $267.0M in FY2021 to $252.3M in FY2022, before expanding to $389.3M in FY2023, $402.7M in FY2024, and $513.3M in FY2025. In FY2025, gross margin reached 93.0%, operating margin was 28.5%, and net margin was 22.5%, supporting net income of $115.6M and EPS of $2.00. For the trailing twelve months ended June 30, 2026, revenue totaled $547.8M with an operating margin of 34.5% and EPS of $2.13. In the latest quarter, quarterly revenue grew 23.0% year-over-year, and quarterly earnings grew 39.2%.

As of June 30, 2026, The St. Joe Company held $117.3M in cash and short-term investments against total debt of $551.5M, resulting in net debt of $434.2M. Total assets were $1.51B and shareholders' equity stood at $764.5M, yielding a debt-to-equity ratio of 0.72 and a current ratio of 1.86. In FY2025, operating cash flow was $190.7M and free cash flow was $186.6M. Capital allocation in FY2025 included $4.1M in capital expenditures, $40.3M in share buybacks, and $33.6M in dividends paid.

The St. Joe Company trades at a trailing P/E of 32.1x and a forward P/E of 50.3x, compared to the median of its US-listed Real Estate peers at 21.6x and 23.5x, respectively. Its price-to-sales ratio of 7.1x is above the peer median of 3.7x, while its EV/EBITDA of 17.6x compares to the peer median of 14.7x. Over the past year, the stock returned 42.0%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, its return of 62.3% trailed the S&P 500 return of 83.0%.

The St. Joe Company pays a quarterly dividend with an annual forward dividend of $0.64 per share, translating to a dividend yield of 0.94%. Its payout ratio is 29.9%, and the company has paid dividends for 7 consecutive years. The 5-year annualized dividend growth rate is 52.6%. The company's last ex-dividend date was August 21, 2026.

Wall Street analysts report a mean price target of $19.00 for The St. Joe Company, which sits 72.2% below its last close of $68.41 on October 16, 2026. Over the trailing four quarters, the company beat EPS estimates in 3 quarters. The company's next earnings report is scheduled for November 4, 2026.

This page is an AI-written research summary of The St. Joe Company (JOE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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