📊 JOE Key Takeaways
Is ST JOE Co (JOE) a Good Investment?
ST Joe demonstrates strong top-line growth (+27.4% YoY) and exceptional free cash flow generation (40.6% margin), but concerning capital returns (ROE 1.8%, ROA 0.9%) and flat net income growth signal poor asset efficiency and margin compression. Tight interest coverage (2.1x) in a cyclical real estate development sector limits financial flexibility for downturns.
St. Joe demonstrates strong fundamentals with 27% revenue growth, robust margins (28.5% operating, 22.5% net), and excellent cash generation (36% FCF margin) supported by moderate leverage and high interest coverage. While net income was flat YoY, EPS rose sharply and the balance sheet plus cash flow provide ample capacity to fund development and capital returns. Execution and cyclicality risks remain, but the quality of earnings and balance sheet strength support a positive outlook.
Why Buy ST JOE Co Stock? JOE Key Strengths
- Strong revenue growth of 27.4% YoY demonstrates market demand and business expansion
- Exceptional free cash flow margin of 40.6% with $40.2M FCF generation indicates strong liquidity
- Moderate leverage at 0.50x debt/equity ratio provides balance sheet stability
- Operating margin of 18.4% shows reasonable operational profitability
- High profitability (gross/operating/net margins) with solid ROE
- Strong cash generation and FCF conversion
- Moderate leverage with very strong interest coverage and ample liquidity
JOE Stock Risks: ST JOE Co Investment Risks
- Critically low ROE (1.8%) and ROA (0.9%) indicate severe capital inefficiency despite profitability
- Net income flat YoY amid 27.4% revenue growth signals margin compression or cost inflation
- Interest coverage of 2.1x is dangerously tight; minimal cushion for revenue decline or rate increases
- Land development is cyclical; unclear if revenue growth is sustainable or driven by favorable cycle
- Very low capex (2% of revenue) suggests either mature assets or underinvestment in growth
- Cyclicality and interest-rate sensitivity in real estate/hospitality
- Geographic concentration and weather/regulatory exposure in Florida
- Earnings/margin volatility from project timing; flat YoY net income
Key Metrics to Watch
- Return on equity trend—must improve toward 8%+ to justify capital base
- Interest coverage ratio—needs to exceed 3.0x for financial safety
- Net margin trajectory—must expand beyond flat growth to validate scale benefits
- Asset base utilization—clarify composition and productivity of $1.5B balance sheet
- Gross and operating margin trend
- Backlog/lot sales pace and hospitality occupancy/ADR
ST JOE Co (JOE) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 40.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
JOE Profit Margin, ROE & Profitability Analysis
JOE vs Real Estate Sector: How ST JOE Co Compares
How ST JOE Co compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is ST JOE Co Stock Overvalued? JOE Valuation Analysis 2026
Based on fundamental analysis, ST JOE Co has mixed fundamental signals relative to the Real Estate sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
ST JOE Co Balance Sheet: JOE Debt, Cash & Liquidity
JOE Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: ST JOE Co's revenue has grown significantly by 220% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.33 reflects profitable operations.
JOE Revenue Growth, EPS Growth & YoY Performance
JOE Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $94.2M | $13.9M | $0.24 |
| Q3 2025 | $99.0M | $16.8M | $0.29 |
| Q2 2025 | $111.6M | $24.5M | $0.42 |
| Q1 2025 | $87.8M | $13.9M | $0.24 |
| Q3 2024 | $99.0M | $16.8M | $0.29 |
| Q2 2024 | $111.6M | $24.5M | $0.42 |
| Q1 2024 | $73.0M | $10.4M | $0.18 |
| Q3 2023 | $57.6M | $12.3M | $0.21 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
ST JOE Co Dividends, Buybacks & Capital Allocation
JOE SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for ST JOE Co (CIK: 0000745308)
📋 Recent SEC Filings
❓ Frequently Asked Questions about JOE
What is the AI rating for JOE?
ST JOE Co (JOE) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 66% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are JOE's key strengths?
Claude: Strong revenue growth of 27.4% YoY demonstrates market demand and business expansion. Exceptional free cash flow margin of 40.6% with $40.2M FCF generation indicates strong liquidity. ChatGPT: High profitability (gross/operating/net margins) with solid ROE. Strong cash generation and FCF conversion.
What are the risks of investing in JOE?
Claude: Critically low ROE (1.8%) and ROA (0.9%) indicate severe capital inefficiency despite profitability. Net income flat YoY amid 27.4% revenue growth signals margin compression or cost inflation. ChatGPT: Cyclicality and interest-rate sensitivity in real estate/hospitality. Geographic concentration and weather/regulatory exposure in Florida.
What is JOE's revenue and growth?
ST JOE Co reported revenue of $99.0M.
Does JOE pay dividends?
ST JOE Co pays dividends, with $9.2M distributed to shareholders in the trailing twelve months.
Where can I find JOE SEC filings?
Official SEC filings for ST JOE Co (CIK: 0000745308) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is JOE's EPS?
ST JOE Co has a diluted EPS of $0.24.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is JOE a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, ST JOE Co has a BUY rating with 66% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is JOE stock overvalued or undervalued?
Valuation metrics for JOE: ROE of 1.8% (sector avg: 8%), net margin of 14.1% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
Should I buy JOE stock in 2026?
Our dual AI analysis gives ST JOE Co a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is JOE's free cash flow?
ST JOE Co's operating cash flow is $42.2M, with capital expenditures of $2.0M. FCF margin is 40.6%.
How does JOE compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin 14.1% (avg: 20%), ROE 1.8% (avg: 8%), current ratio N/A (avg: 1.5).