St Joe Financials
This page shows St Joe (JOE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
St Joe has an operating margin of 28.5%, meaning the company retains $28 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 23.7% the prior year.
St Joe's revenue surged 27.4% year-over-year to $513.2M, reflecting rapid business expansion. This strong growth earns a score of 100/100.
St Joe carries a low D/E ratio of 0.51, meaning only $0.51 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 92/100, indicating a strong balance sheet with room for future borrowing.
St Joe converts 36.4% of revenue into free cash flow ($186.6M). This strong cash generation earns a score of 100/100.
St Joe's ROE of 15.1% shows moderate profitability relative to equity, earning a score of 60/100. This is up from 10.2% the prior year.
St Joe passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, St Joe generates $1.65 in operating cash flow ($190.7M OCF vs $115.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
St Joe earns $4.8 in operating income for every $1 of interest expense ($146.2M vs $30.5M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
St Joe generated $513.2M in revenue in fiscal year 2025. This represents an increase of 27.4% from the prior year.
St Joe's EBITDA was $193.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 36.4% from the prior year.
St Joe generated $186.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 86.2% from the prior year.
St Joe reported $115.6M in net income in fiscal year 2025. This represents an increase of 55.9% from the prior year.
St Joe earned $1.99 per diluted share (EPS) in fiscal year 2025. This represents an increase of 56.7% from the prior year.
St Joe held $129.6M in cash against $391.2M in long-term debt as of fiscal year 2025.
St Joe paid $0.44 per share in dividends in fiscal year 2025. This represents a decrease of 15.4% from the prior year.
St Joe had 58M shares outstanding in fiscal year 2025. This represents a decrease of 1.3% from the prior year.
St Joe's gross margin was 3.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 37.7 percentage points from the prior year.
St Joe's operating margin was 28.5% in fiscal year 2025, reflecting core business profitability. This is up 4.8 percentage points from the prior year.
St Joe's net profit margin was 22.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.1 percentage points from the prior year.
St Joe's ROE was 15.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 4.9 percentage points from the prior year.
St Joe spent $40.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1097.1% from the prior year.
St Joe invested $4.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 47.6% from the prior year.
JOE Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $161.1M+24.8% | $129.1M+37.0% | $94.2M-9.7% | $104.3M+5.4% | $99.0M-11.3% | $111.6M+27.1% | $87.8M+1.2% | $86.7M |
| Cost of Revenue | $89.6M+21.6% | $73.7M+25.8% | $58.6M-2.6% | $60.2M+0.3% | $60.0M-3.0% | $61.8M+15.5% | $53.6M | N/A |
| Gross Profit | $71.5M+29.1% | $55.4M+55.6% | $35.6M-19.4% | $44.2M+13.1% | $39.0M-21.5% | $49.8M+45.4% | $34.2M | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | $52.9M+43.2% | $37.0M+118.8% | $16.9M-34.3% | $25.7M+21.0% | $21.3M-34.8% | $32.6M+104.5% | $16.0M-7.8% | $17.3M |
| Interest Expense | $7.8M+0.3% | $7.8M-0.2% | $7.8M-4.3% | $8.1M-3.1% | $8.4M-1.6% | $8.5M-0.4% | $8.6M-2.7% | $8.8M |
| Income Tax | $13.7M+38.1% | $9.9M+71.3% | $5.8M-11.9% | $6.6M+2.9% | $6.4M-22.8% | $8.3M+78.6% | $4.6M+8.1% | $4.3M |
| Net Income | $38.7M+31.1% | $29.5M+69.1% | $17.5M-7.7% | $18.9M+12.4% | $16.8M-31.3% | $24.5M+76.2% | $13.9M+5.5% | $13.2M |
| EPS (Diluted) | $0.67+31.4% | $0.51+70.0% | $0.30-6.3% | $0.32+10.3% | $0.29-31.0% | $0.42+75.0% | $0.24+9.1% | $0.22 |
JOE Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B-0.9% | $1.5B+0.1% | $1.5B+0.6% | $1.5B-0.5% | $1.5B-0.3% | $1.6B+0.8% | $1.5B+0.9% | $1.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $126.1M+43.0% | $88.2M-6.7% | $94.5M+6.5% | $88.8M+7.3% | $82.7M-4.6% | $86.7M-3.4% | $89.8M+4.3% | $86.1M |
| Inventory | $3.9M-9.2% | $4.3M-6.6% | $4.6M+13.8% | $4.0M-8.3% | $4.4M-2.6% | $4.5M-1.0% | $4.6M+7.5% | $4.3M |
| Accounts Receivable | $14.4M-4.5% | $15.1M+7.2% | $14.1M-3.5% | $14.6M-16.0% | $17.4M-19.5% | $21.6M+4.0% | $20.7M+2.1% | $20.3M |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $763.0M-4.4% | $798.5M-1.2% | $808.3M+0.8% | $801.8M-1.7% | $816.0M-1.5% | $828.1M-0.6% | $832.8M+0.9% | $825.0M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $399.0M-6.6% | $427.3M-1.7% | $434.8M-0.7% | $437.8M-1.3% | $443.3M-0.9% | $447.4M-1.0% | $452.0M-0.4% | $453.6M |
| Total Equity | $760.7M+3.0% | $738.8M+1.5% | $727.9M+0.5% | $724.3M+1.1% | $716.4M+1.2% | $708.1M+2.6% | $690.4M+1.1% | $683.1M |
| Retained Earnings | $515.5M+6.3% | $484.9M+4.6% | $463.5M+2.0% | $454.2M+2.4% | $443.4M+2.0% | $434.8M+4.2% | $417.3M+1.7% | $410.4M |
JOE Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $86.2M+177.5% | $31.1M+7.1% | $29.0M-2.8% | $29.8M+7.6% | $27.7M+21.5% | $22.8M-17.4% | $27.6M+138.8% | $11.6M |
| Capital Expenditures | $1.0M-26.1% | $1.4M+15.9% | $1.2M-47.8% | $2.2M+24.7% | $1.8M+35.3% | $1.3M-44.3% | $2.4M+37.8% | $1.7M |
| Free Cash Flow | $85.2M+186.8% | $29.7M+6.7% | $27.8M+0.9% | $27.6M+6.4% | $25.9M+20.7% | $21.5M-14.8% | $25.2M+156.5% | $9.8M |
| Investing Cash Flow | -$1.4M+85.1% | -$9.3M-41.9% | -$6.6M+17.9% | -$8.0M+42.1% | -$13.8M0.0% | -$13.8M+5.8% | -$14.7M+16.9% | -$17.7M |
| Financing Cash Flow | -$48.1M-81.1% | -$26.6M-55.3% | -$17.1M+3.3% | -$17.7M-36.1% | -$13.0M-9.2% | -$11.9M-25.9% | -$9.5M-53.9% | -$6.1M |
| Dividends Paid | $8.1M-0.5% | $8.1M-0.3% | $8.2M-0.1% | $8.2M-0.4% | $8.2M+17.1% | $7.0M0.0% | $7.0M0.0% | $7.0M |
| Share Buybacks | $8.8M-16.6% | $10.6M+86.0% | $5.7M+177.2% | $2.1M-82.5% | $11.7M | $0-100.0% | $7.1M-38.1% | $11.4M |
JOE Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 44.4%+1.5pp | 42.9%+5.1pp | 37.8%-4.5pp | 42.3%+2.9pp | 39.4%-5.2pp | 44.6%+5.6pp | 39.0% | N/A |
| Operating Margin | 32.9%+4.2pp | 28.6%+10.7pp | 17.9%-6.7pp | 24.7%+3.2pp | 21.5%-7.8pp | 29.2%+11.1pp | 18.2%-1.8pp | 20.0% |
| Net Margin | 24.0%+1.2pp | 22.9%+4.3pp | 18.5%+0.4pp | 18.1%+1.1pp | 17.0%-5.0pp | 22.0%+6.1pp | 15.8%+0.7pp | 15.2% |
| Return on Equity | 5.1%+1.1pp | 4.0%+1.6pp | 2.4%-0.2pp | 2.6%+0.3pp | 2.4%-1.1pp | 3.5%+1.4pp | 2.0%+0.1pp | 1.9% |
| Return on Assets | 2.5%+0.6pp | 1.9%+0.8pp | 1.1%-0.1pp | 1.2%+0.1pp | 1.1%-0.5pp | 1.6%+0.7pp | 0.9%+0.0pp | 0.9% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.52-0.1 | 0.58-0.0 | 0.600.0 | 0.60-0.0 | 0.62-0.0 | 0.63-0.0 | 0.650.0 | 0.66 |
| FCF Margin | 52.9%+29.9pp | 23.0%-6.5pp | 29.6%+3.1pp | 26.5%+0.3pp | 26.2%+6.9pp | 19.3%-9.5pp | 28.7%+17.4pp | 11.3% |
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Frequently Asked Questions
What is St Joe's annual revenue?
St Joe (JOE) reported $513.2M in total revenue for fiscal year 2025. This represents a 27.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is St Joe's revenue growing?
St Joe (JOE) revenue grew by 27.4% year-over-year, from $402.7M to $513.2M in fiscal year 2025.
Is St Joe profitable?
Yes, St Joe (JOE) reported a net income of $115.6M in fiscal year 2025, with a net profit margin of 22.5%.
What is St Joe's earnings per share (EPS)?
St Joe (JOE) reported diluted earnings per share of $1.99 for fiscal year 2025. This represents a 56.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is St Joe's EBITDA?
St Joe (JOE) had EBITDA of $193.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does St Joe have?
As of fiscal year 2025, St Joe (JOE) had $129.6M in cash and equivalents against $391.2M in long-term debt.
What is St Joe's gross margin?
St Joe (JOE) had a gross margin of 3.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is St Joe's operating margin?
St Joe (JOE) had an operating margin of 28.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is St Joe's net profit margin?
St Joe (JOE) had a net profit margin of 22.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does St Joe pay dividends?
Yes, St Joe (JOE) paid $0.44 per share in dividends during fiscal year 2025.
What is St Joe's return on equity (ROE)?
St Joe (JOE) has a return on equity of 15.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is St Joe's free cash flow?
St Joe (JOE) generated $186.6M in free cash flow during fiscal year 2025. This represents a 86.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is St Joe's operating cash flow?
St Joe (JOE) generated $190.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are St Joe's total assets?
St Joe (JOE) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are St Joe's capital expenditures?
St Joe (JOE) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does St Joe buy back shares?
Yes, St Joe (JOE) spent $40.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does St Joe have outstanding?
St Joe (JOE) had 58M shares outstanding as of fiscal year 2025.
What is St Joe's debt-to-equity ratio?
St Joe (JOE) had a debt-to-equity ratio of 0.51 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is St Joe's return on assets (ROA)?
St Joe (JOE) had a return on assets of 7.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is St Joe's Piotroski F-Score?
St Joe (JOE) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are St Joe's earnings high quality?
St Joe (JOE) has an earnings quality ratio of 1.65x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can St Joe cover its interest payments?
St Joe (JOE) has an interest coverage ratio of 4.8x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is St Joe?
St Joe (JOE) scores 91 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.