St. Joe Company (The) (JOE) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

St. Joe Company (The)

NYSE•Real Estate•Real Estate - Diversified

$67.07-1.83(-0.03%)Pre-market

Market Cap

$3.81B

P/E

31.4x

P/S

7.0x

P/B

5.0x

The St. Joe Company, together with its subsidiaries, operates as a real estate development, asset management, and operating company in the United States. It operates through three segments: Residential, Hospitality, and Commercial. The Residential segment engages in the development of communities into homesites for sale to homebuilders and on a limited basis to retail customers. This segment primarily sells developed homesites, completed homes, parcels of entitled or undeveloped land or homesites, and a homesite residual on homebuilder, as well as offers marketing services. Its Hospitality segment owns and operates a private membership club, golf courses, beach clubs, retail outlets, marinas, and other entertainment assets. This segment also engages in the hotel, food and beverage, and gulf-front vacation rental operations, as well as provides management services. The Commercial segment engages in leasing of commercial property, multi-family, a senior living community, and other assets. This segment also involved in the planning, development, entitlement, management, and sale of commercial and rural land holdings for retail, office, hotel, senior living, multi-family, self-storage, and industrial uses; and grows and sells pulpwood, sawtimber, and other forest products, as well as operates real estate brokerage, title insurance agency and insurance agency business. The St. Joe Company was incorporated in 1936 and is based in Panama City Beach, Florida.

How this company scores

ExcellentMetricSide Score: 87/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability25/25

Growth23/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROERising earningsLow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 31.4x5y range 27.4x – 44.1x

Currently near its 20-quarter median.

P/S · 7.0x5y range 5.9x – 11.9x

Currently near its 20-quarter median.

P/B · 5.0x5y range 3.6x – 5.0x

Price & Volume

Market Cap $3.81B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $542.95M
Q. Revenue: $156.19M
TTM EBITDA: $219.56M
TTM Op. Income: $173.94M
Q. Op. Income: $61.54M
TTM Net Income: $121.27M
Q. Net Income: $36.92M
EPS: $0.65
Shares Out.: $56.74M

$542.95M in TTM revenue grew 11.1% YoY, reaching $156.19M last quarter. TTM EBITDA of $219.56M and TTM operating income of $173.94M show growth is flowing through to the bottom line. TTM net income of $121.27M means revenue is converting into profit. Over the past year, TTM revenue is up 11% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 51.6%
EBITDA Margin: 46.5%
Op. Margin: 39.4%
Net Margin: 23.6%

Op. margin of 39.4% is up 6.5% YoY — cost efficiency is improving. Net margin at 23.6% and gross margin of 51.6% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 31.4x
P/S Ratio: 7.0x
P/B Ratio: 5.0x

At 31.4x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 7.0x and P/B of 5.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 15% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.50B
Cash: $117.86M
Long-Term Debt: $361.70M
Book Value: $765.12M
D/E Ratio: 0.5
Debt/EBITDA: 5.0

With $1.50B in assets and $361.70M in long-term debt, D/E is 0.5and book value is $765.12M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $57.68M
TTM Free Cash Flow: $183.91M
FCF Margin: 33.9%
FCF / Net Income: 1.5

TTM FCF of $183.91M on $57.68M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 8% — a weakening trend.