The St. Joe Company(JOE)Earnings, Financials & Key Ratios

JOE•NYSE•REIT / Real Estate

$65.05

$3.73B mkt cap·32.5× P/E·Price updated May 7, 2026

SectorReal Estate IndustryDiversified Real Estate Sub-IndustryLand-rich resort and hospitality developers

AboutThe St. Joe Company, together with its subsidiaries, operates as a real estate development, asset management, and operating company in Northwest Florida. It operates through three segments: Residential, Hospitality, and Commercial. The Residential segment plans and develops residential communities of various sizes for homebuilders or retail consumers. It primarily sells developed homesites and parcels of entitled or undeveloped land. The 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 plans, develops, entitles, manages, and sells commercial 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. The company owns 170,000 acres of land in Northwest Florida. The St. Joe Company was incorporated in 1936 and is based in Panama City Beach, Florida.Show more

Revenue$513M+27.5%
FFO$163M+35.3%
FFO/Share2.83+36.9%
FFO Payout20.61%-18.1%
FFO per Share2.83+36.9%
NOI Margin93.02%+124.0%
FFO Margin31.77%+6.1%
ROE15.29%+47.9%
ROA7.56%+56.1%
Debt/Assets25.94%-40.9%
Net Debt/EBITDA1.36-67.0%
Book Value/Share13.46+6.6%

Technical→

JOE Key Insights

The St. Joe Company (JOE) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 20.7%
✓Strong Piotroski F-Score: 9/9
✓FFO growing 27.0% TTM
✓Sustainable FFO payout ratio of 20.6%
✓High NOI margin of 93.0%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

JOE Price & Volume

The St. Joe Company (JOE) stock price & volume — 10-year historical chart

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JOE Growth Metrics

The St. Joe Company (JOE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.32%

5 Years26.17%

3 Years26.71%

TTM26.63%

Profit CAGR

10 Years-

5 Years20.66%

3 Years17.69%

TTM44.21%

EPS CAGR

10 Years-

5 Years21.03%

3 Years18.24%

TTM45.86%

Return on Capital

10 Years4.94%

5 Years7.41%

3 Years7.68%

Last Year9.8%

JOE Recent Earnings

The St. Joe Company (JOE) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

Q2 2026Latest

Apr 29, 2026

EPS

$0.24

Revenue

$99M

Q1 2026

Feb 25, 2026

EPS

$0.52

Revenue

$129M

Q4 2025

Oct 29, 2025

EPS

$0.67

Revenue

$161M

Q3 2025

Jul 23, 2025

EPS

$0.51

Revenue

$129M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 29, 2026	$0.24	$99M
Q1 2026	Feb 25, 2026	$0.52	$129M
Q4 2025	Oct 29, 2025	$0.67	$161M
Q3 2025	Jul 23, 2025	$0.51	$129M

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
FCPTFour Corners Property Trust, Inc.Direct Competitor	2.8B	25.48	23.37	9.72%	38.74%	7.38%	0.74
PINEAlpine Income Property Trust, Inc.Direct Competitor	281.38M	19.64	-89.27	15.9%	-0.64%	-0.14%	1.31
JBGSJBG SMITH PropertiesDirect Competitor	912.24M	15.46	-7.40	-8.9%	-22.16%	-6.47%	1.52
FORForestar Group Inc.Direct Competitor	1.39B	27.26	8.29	10.14%	9.8%	9.49%	0.46
STRWStrawberry Fields REIT LLCDirect Competitor	169.91M	12.95	22.72	17.29%	4.83%	11.22%	8.04
IRTIndependence Realty Trust, Inc.Product Competitor	3.86B	16.37	68.21	2.76%	7.27%	1.35%	0.64
UDRUDR, Inc.Product Competitor	12.04B	36.94	32.69	2.42%	28.6%	12.37%	1.49
EXRExtra Space Storage Inc.Product Competitor	30.26B	143.27	31.21	1.19%	28.84%	6.69%	1.05

Compare JOE vs Peers

The St. Joe Company (JOE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FCPT

Most directly comparable listed peer for JOE.

Scale Benchmark

vs DHI

Larger-name benchmark to compare JOE against a more recognizable public peer.

Peer Set

Compare Top 5

vs FCPT, PINE, JBGS, FOR

JOE Income Statement

The St. Joe Company (JOE) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Revenue	98.8M	110.3M	127.08M	160.56M	267M	252.3M	389.29M	402.74M	513.32M	518.1M
Revenue Growth %	3.24%	11.64%	15.22%	26.34%	66.3%	-5.5%	54.29%	3.46%	27.46%	26.63%
Property Operating Expenses	66.4M	51.3M	64.09M	77.78M	131.31M	146.6M	235.98M	235.52M	35.81M	38.32M
Net Operating Income (NOI)	32.4M▲ 0%	59M▲ 82.1%	63M▲ 6.8%	82.78M▲ 31.4%	135.68M▲ 63.9%	105.7M▼ 22.1%	153.31M▲ 45.0%	167.22M▲ 9.1%	477.51M▲ 185.6%	479.78M▲ 0%
NOI Margin %	32.79%	53.49%	49.57%	51.56%	50.82%	41.89%	39.38%	41.52%	93.02%	92.6%
Operating Expenses	29.3M	29.6M	31.68M	35.69M	41.23M	44.96M	62.57M	71.64M	331.26M	332.32M
G&A Expenses	20.4M	20.6M	0	0	0	14.4M	0	25.25M	6.58M	14.82M
EBITDA	98.76M	113.31M	41.61M	59.87M	112.66M	84.36M	129.51M	141.97M	193.71M	194.25M
EBITDA Margin %	99.96%	102.73%	32.74%	37.29%	42.2%	33.43%	33.27%	35.25%	37.74%	37.49%
Depreciation & Amortization	96.46M	83.91M	10.29M	12.79M	18.2M	22.89M	38.78M	46.38M	47.45M	46.73M
D&A / Revenue %	97.63%	76.07%	8.09%	7.96%	6.82%	9.07%	9.96%	11.52%	9.24%	9.02%
Operating Income	2.3M▲ 0%	29.4M▲ 1178.3%	31.32M▲ 6.5%	47.09M▲ 50.3%	94.46M▲ 100.6%	61.47M▼ 34.9%	90.73M▲ 47.6%	95.59M▲ 5.3%	146.25M▲ 53.0%	147.51M▲ 0%
Operating Margin %	2.33%	26.65%	24.65%	29.33%	35.38%	24.36%	23.31%	23.73%	28.49%	28.47%
Interest Expense	12.2M	11.8M	12.3M	13.56M	15.85M	18.4M	30.62M	33.58M	77.11M	4M
Interest Coverage	4.39x	3.62x	3.94x	5.41x	7.23x	3.34x	4.27x	2.85x	3.01x	-
Non-Operating Income	-49.92M	-13.3M	-17.16M	-26.3M	-20.13M	0	-39.95M	0	-85.88M	-15.49M
Pretax Income	41.3M▲ 0%	30.9M▼ 25.2%	36.19M▲ 17.1%	59.15M▲ 63.5%	98.73M▲ 66.9%	94.6M▼ 4.2%	100.06M▲ 5.8%	98.35M▼ 1.7%	155.11M▲ 57.7%	150.43M▲ 0%
Pretax Margin %	41.8%	28.01%	28.47%	36.84%	36.98%	37.5%	25.7%	24.42%	30.22%	29.04%
Income Tax	-17.9M	-700K	9.45M	13.67M	24.98M	24.4M	26.01M	25.95M	39.23M	37.93M
Effective Tax Rate %	-43.34%	-2.27%	26.11%	23.11%	25.3%	25.79%	25.99%	26.39%	25.29%	25.22%
Net Income	59.5M▲ 0%	32.4M▼ 45.5%	26.77M▼ 17.4%	45.2M▲ 68.8%	74.55M▲ 64.9%	70.93M▼ 4.9%	77.71M▲ 9.6%	74.19M▼ 4.5%	115.63M▲ 55.9%	112.1M▲ 0%
Net Margin %	60.22%	29.37%	21.07%	28.15%	27.92%	28.11%	19.96%	18.42%	22.53%	21.64%
Net Income Growth %	274.21%	-45.55%	-17.36%	68.83%	64.93%	-4.86%	9.57%	-4.53%	55.85%	44.21%
Funds From Operations (FFO)	155.96M▲ 0%	116.31M▼ 25.4%	37.06M▼ 68.1%	57.99M▲ 56.5%	92.75M▲ 59.9%	93.81M▲ 1.1%	116.49M▲ 24.2%	120.57M▲ 3.5%	163.08M▲ 35.3%	158.83M▲ 0%
FFO Margin %	157.86%	105.45%	29.16%	36.12%	34.74%	37.18%	29.92%	29.94%	31.77%	30.66%
FFO Growth %	42.19%	-25.43%	-68.13%	56.47%	59.95%	1.14%	24.17%	3.51%	35.25%	111.59%
FFO per Share	2.21	1.85	0.62	0.98	1.58	1.60	2.00	2.07	2.83	2.76
FFO Payout Ratio %	0%	0%	0%	7.11%	20.32%	25.05%	22.03%	25.17%	20.61%	20.72%
EPS (Diluted)	0.84▲ 0%	0.52▼ 38.1%	0.45▼ 13.5%	0.77▲ 71.1%	1.27▲ 64.9%	1.21▼ 4.7%	1.33▲ 9.9%	1.27▼ 4.5%	2.00▲ 57.5%	1.95▲ 0%
EPS Growth %	300%	-38.1%	-13.46%	71.11%	64.94%	-4.72%	9.92%	-4.51%	57.48%	45.86%
EPS (Basic)	0.84	0.52	0.45	0.77	1.27	1.21	1.33	1.27	2.00	-
Diluted Shares Outstanding	70.55M	62.73M	59.99M	59.01M	58.88M	58.72M	58.32M	58.35M	57.64M	57.51M

JOE Balance Sheet

The St. Joe Company (JOE) balance sheet — assets, liabilities & shareholders' equity

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Total Assets	921M	871M	909.23M	1.04B	1.21B	1.43B	1.52B	1.54B	1.52B	1.52B
Asset Growth %	-10.4%	-5.43%	4.39%	14.09%	16.47%	18.43%	6.48%	0.99%	-1.31%	-4.11%
Real Estate & Other Assets	397.9M	411.3M	644.24M	764.72M	698.59M	1B	1.03B	1.06B	-1.08B	1.02B
PP&E (Net)	11.8M	12M	19.71M	21.65M	31.88M	40.32M	66.91M	63.52M	41.3M	41.32M
Investment Securities	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Current Assets	303.4M	204.2M	230.45M	210.37M	205.87M	123.09M	160.64M	88.8M	129.6M	190.62M
Cash & Equivalents	192.1M	195.2M	185.72M	106.79M	70.16M	37.75M	86.07M	88.8M	129.6M	136.28M
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	0	3.43M	9.03M	13.82M	0	7.6M	5.12M	-59.91M	-57.17M	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0
Total Liabilities	328.4M	337.9M	379.56M	469.15M	582.05M	779.73M	825.04M	801.84M	742.8M	743.35M
Total Debt	232.1M	246.2M	270.45M	337.33M	406.38M	569.36M	632.89M	675.42M	393.92M	561.97M
Net Debt	40M	51M	84.73M	230.53M	336.22M	531.61M	546.83M	586.63M	264.32M	425.69M
Long-Term Debt	232.1M	246.2M	269.56M	336.2M	400.6M	563.72M	627.14M	612.88M	381.02M	559.33M
Short-Term Borrowings	0	0	0	0	4.67M	4.67M	4.67M	55.45M	12.18M	0
Capital Lease Obligations	67K	0	895K	1.12M	1.11M	978K	1.09M	7.1M	719K	12.6M
Total Current Liabilities	15.56M	15.56M	25.48M	38.45M	92.46M	118.76M	108.03M	59.3M	12.18M	94.84M
Accounts Payable	7.52M	10.15M	16.21M	25.38M	48.6M	69.86M	24.34M	22.85M	17.23M	18.59M
Deferred Revenue	1.47M	1.28M	0	0	36.21M	38.94M	62.84M	59.27M	58.7M	61.82M
Other Liabilities	13.84M	14.3M	83.63M	93.37M	8.48M	9.15M	16.95M	52.55M	224.35M	21.98M
Total Equity	607.63M▲ 0%	548.04M▼ 9.8%	529.67M▼ 3.4%	568.17M▲ 7.3%	626.1M▲ 10.2%	651.11M▲ 4.0%	698.49M▲ 7.3%	736.74M▲ 5.5%	775.6M▲ 5.3%	774.4M▲ 0%
Equity Growth %	-13.73%	-9.81%	-3.35%	7.27%	10.2%	3.99%	7.28%	5.48%	5.28%	19.53%
Shareholders Equity	592.6M	533.1M	519.52M	550.62M	607.41M	630.8M	683.06M	724.28M	766.29M	765.87M
Minority Interest	15.03M	14.94M	10.15M	17.55M	18.69M	20.31M	15.43M	12.46M	9.34M	8.52M
Common Stock	424.69M	331.39M	305.63M	296.87M	296.87M	270.03M	270.85M	268.67M	229.51M	229.83M
Additional Paid-in Capital	424.69M	331.39M	0	0	0	0	0	0	0	0
Retained Earnings	154.32M	187.45M	214.22M	255.22M	310.93M	358.34M	410.37M	454.19M	536.19M	540.91M
Preferred Stock	154.32M	187.45M	0	0	0	0	0	0	0	0
Return on Assets (ROA)	6.11%	3.62%	3.01%	4.64%	6.64%	5.38%	5.26%	4.85%	7.56%	7.33%
Return on Equity (ROE)	9.07%	5.61%	4.97%	8.23%	12.49%	11.11%	11.52%	10.34%	15.29%	14.6%
Debt / Assets	25.2%	28.27%	29.74%	32.52%	33.64%	39.79%	41.54%	43.9%	25.94%	37.03%
Debt / Equity	0.38x	0.45x	0.51x	0.59x	0.65x	0.87x	0.91x	0.92x	0.51x	0.51x
Net Debt / EBITDA	0.41x	0.45x	2.04x	3.85x	2.98x	6.30x	4.22x	4.13x	1.36x	1.36x
Book Value per Share	8.61	8.74	8.83	9.63	10.63	11.09	11.98	12.63	13.46	13.47

JOE Cash Flow Statement

The St. Joe Company (JOE) cash flow — operating, investing & free cash flow history

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Cash from Operations	55.77M	41.42M	30.39M	37.33M	111.8M	48.22M	103.85M	107.99M	190.7M	190.7M
Operating CF Growth %	333.17%	-25.73%	-26.62%	22.83%	199.47%	-56.87%	115.36%	3.99%	76.58%	341.44%
Operating CF / Revenue %	56.44%	37.55%	23.92%	23.25%	41.87%	19.11%	26.68%	26.81%	37.15%	36.81%
Net Income	59.24M	31.6M	26.66M	45.48M	74.55M	70.23M	74.05M	72.4M	115.88M	112.1M
Depreciation & Amortization	8.88M	9M	34.83M	30.8M	18.2M	22.89M	38.78M	46.38M	47.47M	60.94M
Stock-Based Compensation	76K	263K	77K	45K	0	364K	820K	1.21M	1.23M	1.55M
Other Non-Cash Items	-14.57M	2.16M	-44.12M	-41.16M	2.01M	-67.42M	-11.18M	-11.43M	27.48M	2.95M
Working Capital Changes	19.51M	3.2M	4.57M	-5.92M	1.05M	17.67M	12.06M	234K	4.85M	6.29M
Cash from Investing	44.45M	44.06M	-29.3M	-164.5M	-196.09M	-189.78M	-99.14M	-50.38M	-26.22M	-28.58M
Acquisitions (Net)	787K	-22.76M	-64.85M	-116.08M	-9.88M	-2.5M	-2.31M	88K	4.63M	4.57M
Purchase of Investments	-115.94M	-22.1M	-5.8M	-58.91M	-157.93M	-97.13M	-173.5M	0	-27.58M	-21.7M
Sale of Investments	188.5M	85.76M	36.69M	13.5M	117.36M	146.32M	79M	0	0	0
Other Investing	2.52M	28.55M	78.87M	118.77M	7.87M	22.69M	3.84M	-42.72M	788K	-8.56M
Cash from Financing	-149.25M	-79.86M	-10.49M	48.61M	48.57M	112.46M	40.76M	-52.07M	-124.28M	-133.04M
Dividends Paid	0	0	0	-4.12M	-18.84M	-23.5M	-25.66M	-30.35M	-33.62M	-42.12M
Common Dividends	0	0	0	-4.12M	-18.84M	-23.5M	-25.66M	-30.35M	-33.62M	-32.91M
Debt Issuance (Net)	334K	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	-4M
Share Repurchases	-147.42M	-93.37M	-20.84M	-8.8M	0	-19.97M	0	-3.36M	-40.27M	-39.78M
Other Financing	-2.16M	-618K	-11.94M	-5.48M	544K	-8.2M	-1.77M	-1.12M	-2.94M	4.33M
Net Change in Cash	-49.03M▲ 0%	5.62M▲ 111.5%	-9.4M▼ 267.1%	-78.56M▼ 736.1%	-35.72M▲ 54.5%	-29.1M▲ 18.5%	45.47M▲ 256.3%	5.55M▼ 87.8%	40.2M▲ 624.8%	42.53M▲ 0%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	222K
Cash at Beginning	241.11M	192.45M	198.07M	188.68M	110.12M	74.4M	45.3M	90.77M	96.32M	136.51M
Cash at End	192.08M	198.07M	188.68M	110.12M	74.4M	45.3M	90.77M	96.32M	136.51M	143.96M
Free Cash Flow	24.36M▲ 0%	16.04M▼ 34.1%	-43.81M▼ 373.1%	-84.44M▼ 92.7%	-41.7M▲ 50.6%	-210.94M▼ 405.8%	-36.12M▲ 82.9%	58.06M▲ 260.8%	186.64M▲ 221.5%	201.03M▲ 0%
FCF Growth %	144.22%	-34.14%	-373.09%	-92.74%	50.61%	-405.79%	82.88%	260.76%	221.46%	148.89%
FCF / Revenue %	24.66%	14.54%	-34.47%	-52.59%	-15.62%	-83.61%	-9.28%	14.42%	36.36%	38.8%

JOE Key Ratios

The St. Joe Company (JOE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
FFO per Share	2.21	1.85	0.62	0.98	1.58	1.6	2	2.07	2.83	2.76
FFO Payout Ratio	0%	0%	0%	7.11%	20.32%	25.05%	22.03%	25.17%	20.61%	20.72%
NOI Margin	32.79%	53.49%	49.57%	51.56%	50.82%	41.89%	39.38%	41.52%	93.02%	92.6%
Net Debt / EBITDA	0.41x	0.45x	2.04x	3.85x	2.98x	6.30x	4.22x	4.13x	1.36x	1.36x
Debt / Assets	25.2%	28.27%	29.74%	32.52%	33.64%	39.79%	41.54%	43.9%	25.94%	37.03%
Interest Coverage	4.39x	3.62x	3.94x	5.41x	7.23x	3.34x	4.27x	2.85x	3.01x	-
Book Value / Share	8.61	8.74	8.83	9.63	10.63	11.09	11.98	12.63	13.46	13.47
Revenue Growth	3.24%	11.64%	15.22%	26.34%	66.3%	-5.5%	54.29%	3.46%	27.46%	26.63%

JOE SEC Filings & Documents

The St. Joe Company (JOE) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 29, 2026·SEC

Material company update

Feb 25, 2026·SEC

Material company update

Oct 29, 2025·SEC

10-K Annual Reports

FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 21, 2024·SEC

10-Q Quarterly Reports

FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 29, 2025·SEC

FY 2025

Jul 23, 2025·SEC

JOE Frequently Asked Questions

The St. Joe Company (JOE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

The St. Joe Company (JOE) reported $518.1M in revenue for fiscal year 2025. This represents a 20% increase from $431.2M in 1996.

The St. Joe Company (JOE) grew revenue by 27.5% over the past year. This is strong growth.

Yes, The St. Joe Company (JOE) is profitable, generating $112.1M in net income for fiscal year 2025 (22.5% net margin).

Dividend & Returns

Yes, The St. Joe Company (JOE) pays a dividend with a yield of 0.90%. This makes it attractive for income-focused investors.

The St. Joe Company (JOE) has a return on equity (ROE) of 15.3%. This is reasonable for most industries.

Industry Metrics

The St. Joe Company (JOE) generated Funds From Operations (FFO) of $158.8M in the trailing twelve months. FFO is the primary profitability metric for REITs.

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The St. Joe Company(JOE)Earnings, Financials & Key Ratios

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