St. Joe Company (JOE) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Jul 29, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the JOE SEC filings page.
St. Joe Company (JOE) reported $547.8M in revenue over the twelve months to Jun 30, 2026, up 28.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
The business turned FY2025's growth into disproportionately higher profit and cash with lower leverage and capital spending.
In FY2025, operating cash flow of$190.7M exceeded net income of$115.6M , indicating accounting earnings were converting into cash. The operating-cash-flow-to-net-income measure rose to164.9% from145.6% in FY2024, suggesting the improvement was not merely an accrual-driven profit increase.
FY2025 revenue rose
From FY2023 to FY2025, total assets changed just
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of St. Joe Company's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
St. Joe Company 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 87/100, reflecting efficient cost management and pricing power. This is up from 23.7% the prior year.
St. Joe Company's revenue surged 27.4% year-over-year to $513.2M, reflecting rapid business expansion. This strong growth earns a score of 75/100.
St. Joe Company has a moderate D/E ratio of 0.51. This balance of debt and equity financing earns a leverage score of 40/100.
Not available for St. Joe Company, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
St. Joe Company converts 36.4% of revenue into free cash flow ($186.6M). This strong cash generation earns a score of 94/100.
Not available for St. Joe Company, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
St. Joe Company passes 8 of 8 computable financial strength tests (1 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, St. Joe Company 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 Company earns $4.80 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
Earnings & Revenue
St. Joe Company generated $158.8M in revenue in Q2 2026. This represents an increase of 23.0% from the same quarter a year earlier. Against the prior quarter it is up 60.4%.
St. Joe Company's EBITDA was $66.2M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 35.2% from the same quarter a year earlier. Against the prior quarter it is up 123.8%.
St. Joe Company reported $40.5M in net income in Q2 2026. This represents an increase of 37.1% from the same quarter a year earlier. Against the prior quarter it is up 190.5%.
St. Joe Company earned $0.71 per diluted share (EPS) in Q2 2026. This represents an increase of 39.2% from the same quarter a year earlier. Against the prior quarter it is up 195.8%.
Cash & Balance Sheet
St. Joe Company generated $43.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 44.6% from the same quarter a year earlier. Against the prior quarter it is up 6.8%.
St. Joe Company held $117.3M in cash against $370.3M in long-term debt as of Q2 2026.
St. Joe Company paid $0.16 per share in dividends in Q2 2026. This represents an increase of 14.3% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
St. Joe Company's gross margin was 46.2% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 3.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 7.9 percentage points.
St. Joe Company's operating margin was 34.5% in Q2 2026, reflecting core business profitability. This is up 5.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 16.1 percentage points.
St. Joe Company's net profit margin was 25.5% in Q2 2026, showing the share of revenue converted to profit. This is up 2.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 11.4 percentage points.
St. Joe Company's quarterly ROE was 5.3% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.5 percentage points.
Capital Allocation
St. Joe Company spent $32.7M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 209.6% from the same quarter a year earlier. Against the prior quarter it is up 529.2%.
St. Joe Company invested $977K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 27.8% from the same quarter a year earlier. Against the prior quarter it is down 51.1%.
Not reported for Q2 2026.
JOE Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $158.8M+23.0% | $99.0M+5.1% | $128.9M+23.5% | $161.1M+62.7% | $129.1M+15.7% | $94.2M+7.3% | $104.3M+20.3% | $99.0M-2.3% |
| Cost of Revenue | $85.4M+15.9% | $61.1M+4.3% | $70.4M+17.0% | $89.6M+49.4% | $73.7M+19.2% | $58.6M+9.4% | $60.2M | $60.0M |
| Gross Profit | $73.4M+32.6% | $37.9M+6.6% | $58.5M+32.4% | $71.5M+83.1% | $55.4M+11.3% | $35.6M+4.0% | $44.2M | $39.0M |
| Operating Income | $54.8M+48.2% | $18.2M+7.6% | $39.4M+53.3% | $52.9M+148.8% | $37.0M+13.3% | $16.9M+5.9% | $25.7M+48.7% | $21.3M+4.8% |
| EBITDA | $66.2M+35.2% | $29.6M+1.9% | $51.1M+35.1% | $64.6M+95.4% | $48.9M+11.4% | $29.0M+7.0% | $37.9M+32.5% | $33.1M+6.6% |
| Interest Expense | $6.9M-11.3% | $7.1M-8.8% | $7.2M-11.9% | $7.8M-7.1% | $7.8M-8.9% | $7.8M-9.1% | $8.1M-7.5% | $8.4M-0.3% |
| Income Tax | $14.1M+41.9% | $4.5M-22.3% | $9.7M+47.7% | $13.7M+114.3% | $9.9M+19.9% | $5.8M+24.9% | $6.6M+53.3% | $6.4M-5.2% |
| Net Income | $40.5M+37.1% | $13.9M-20.2% | $29.9M+58.2% | $38.7M+129.9% | $29.5M+20.4% | $17.5M+25.5% | $18.9M+43.5% | $16.8M-13.3% |
| EPS (Basic) | $0.71+39.2% | $0.24-20.0% | $0.52+62.5% | $0.67+131.0% | $0.51+21.4% | $0.30+25.0% | $0.32+45.5% | $0.29-12.1% |
| EPS (Diluted) | $0.71+39.2% | $0.24-20.0% | $0.51+59.4% | $0.67+131.0% | $0.51+21.4% | $0.30+25.0% | $0.32+45.5% | $0.29-12.1% |
| Diluted Shares (Avg) | 57M-1.5% | 58M-1.3% | N/A | 58M-0.8% | 58M-0.5% | 58M-0.1% | N/A | 58M0.0% |
Not reported in any period shown, so not listed: R&D Expenses, SG&A Expenses.
JOE Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B-2.6% | $1.5B-1.9% | $1.5B-1.3% | $1.5B-0.8% | $1.5B-0.1% | $1.5B+0.6% | $1.5B+1.0% | $1.5B+0.2% |
| Cash & Equivalents | $117.3M+33.1% | $136.3M+44.2% | $129.6M+46.0% | $126.1M+52.3% | $88.2M+1.7% | $94.5M+5.3% | $88.8M+3.1% | $82.7M-10.1% |
| Inventory | $3.6M-15.1% | $3.8M-16.4% | $3.3M-17.9% | $3.9M-11.5% | $4.3M-5.0% | $4.6M+0.6% | $4.0M-5.0% | $4.4M-2.5% |
| Accounts Receivable | $17.9M+18.9% | $11.8M-16.3% | $11.0M-24.6% | $14.4M-17.0% | $15.1M-30.0% | $14.1M-32.1% | $14.6M-28.1% | $17.4M-12.5% |
| Total Liabilities | $735.4M-7.9% | $743.4M-8.0% | $742.8M-7.4% | $763.0M-6.5% | $798.5M-3.6% | $808.3M-2.9% | $801.8M-2.8% | $816.0M-3.8% |
| Long-Term Debt | $370.3M-13.3% | $380.4M-12.5% | $391.2M-10.6% | $399.0M-10.0% | $427.3M-4.5% | $434.8M-3.8% | $437.8M-3.5% | $443.3M-2.2% |
| Total Equity | $764.5M+3.5% | $765.9M+5.2% | $766.3M+5.8% | $760.7M+6.2% | $738.8M+4.3% | $727.9M+5.4% | $724.3M+6.0% | $716.4M+5.8% |
| Retained Earnings | $572.3M+18.0% | $540.9M+16.7% | $536.2M+18.1% | $515.5M+16.2% | $484.9M+11.5% | $463.5M+11.1% | $454.2M+10.7% | $443.4M+9.7% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.
JOE Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $43.9M+41.4% | $42.2M+45.6% | $44.4M+48.8% | $86.2M+210.9% | $31.1M+36.2% | $29.0M+5.1% | $29.8M+158.1% | $27.7M-29.5% |
| Depreciation & Amortization | $11.4M-5.0% | $11.4M-6.1% | $11.7M-3.5% | $11.7M-1.1% | $12.0M+6.1% | $12.1M+8.5% | $12.1M+7.5% | $11.8M+10.0% |
| Stock-Based Compensation | N/A | $327K+5.5% | N/A | N/A | N/A | $310K+34.2% | N/A | N/A |
| Capital Expenditures | $977K-27.8% | $2.0M+71.0% | $535K-76.1% | $1.0M-44.3% | $1.4M+2.0% | $1.2M-51.0% | $2.2M+29.4% | $1.8M-3.6% |
| Free Cash Flow | $43.0M+44.6% | $40.2M+44.5% | $43.9M+58.9% | $85.2M+228.6% | $29.7M+38.3% | $27.8M+10.4% | $27.6M+180.7% | $25.9M-30.8% |
| Investing Cash Flow | -$9.9Mn/m | -$8.9Mn/m | -$8.9Mn/m | -$1.4Mn/m | -$9.3Mn/m | -$6.6Mn/m | -$8.0Mn/m | -$13.8Mn/m |
| Financing Cash Flow | -$53.3Mn/m | -$25.9Mn/m | -$32.5Mn/m | -$48.1Mn/m | -$26.6Mn/m | -$17.1Mn/m | -$17.7Mn/m | -$13.0Mn/m |
| Dividends Paid | $9.1M+12.4% | $9.2M+12.8% | $9.2M+13.0% | $8.1M-1.3% | $8.1M+16.2% | $8.2M+16.5% | $8.2M+16.7% | $8.2M+17.1% |
| Share Buybacks | $32.7M+209.6% | $5.2M-8.5% | $15.2M | $8.8M | $10.6M | $5.7M | N/A | N/A |
JOE Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 46.2%+3.3pp | 38.3%+0.5pp | 45.4%+3.0pp | 44.4%+4.9pp | 42.9%-1.7pp | 37.8%-1.2pp | 42.3% | 39.4% |
| Operating Margin | 34.5%+5.9pp | 18.4%+0.4pp | 30.6%+5.9pp | 32.9%+11.4pp | 28.6%-0.6pp | 17.9%-0.2pp | 24.7%+4.7pp | 21.5%+1.5pp |
| Net Margin | 25.5%+2.6pp | 14.1%-4.5pp | 23.2%+5.1pp | 24.0%+7.0pp | 22.9%+0.9pp | 18.5%+2.7pp | 18.1%+2.9pp | 17.0%-2.1pp |
| Return on Equity | 5.3%+1.3pp | 1.8%-0.6pp | 3.9%+1.3pp | 5.1%+2.7pp | 4.0%+0.5pp | 2.4%+0.4pp | 2.6%+0.7pp | 2.4%-0.5pp |
| Return on Assets | 2.7%+0.8pp | 0.9%-0.2pp | 2.0%+0.7pp | 2.5%+1.4pp | 1.9%+0.3pp | 1.1%+0.2pp | 1.2%+0.4pp | 1.1%-0.2pp |
| Debt-to-Equity | 0.48-0.1x | 0.50-0.1x | 0.51-0.1x | 0.52-0.1x | 0.58-0.1x | 0.60-0.1x | 0.60-0.1x | 0.62-0.1x |
| Liabilities-to-Equity | 0.96-0.1x | 0.97-0.1x | 0.97-0.1x | 1.00-0.1x | 1.08-0.1x | 1.11-0.1x | 1.11-0.1x | 1.14-0.1x |
| Asset Turnover | 0.110.0x | 0.070.0x | 0.080.0x | 0.100.0x | 0.080.0x | 0.060.0x | 0.070.0x | 0.060.0x |
| FCF Margin | 27.1%+4.0pp | 40.6%+11.1pp | 34.0%+7.6pp | 52.9%+26.7pp | 23.0%+3.8pp | 29.6%+0.8pp | 26.5%+15.1pp | 26.2%-10.8pp |
Not reported in any period shown, so not listed: Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| St. Joe Company JOE | FY2025 | $513.2M | $115.6M | 22.5% | $3.8B | 74/100 |
| IHS Holding Limited IHS | FY2025 | $1.6B | $143.6M | 9.1% | $2.9B | 75/100 |
| Corporacion Inmobiliaria Vesta, S.A.B de C.V. VTMX | FY2025 | $283.2M | $241.9M | 85.4% | $3.4B | 82/100 |
| Cushman & Wakefield Ltd. CWK | FY2025 | $10.3B | $88.2M | 0.9% | $2.8B | 51/100 |
| Howard Hughes Holdings Inc. HHH | FY2025 | $1.5B | $123.9M | 8.4% | $4.2B | 64/100 |
| CENTURY COMMUNITIES, INC. CCS | FY2025 | $4.1B | $147.6M | 3.6% | $1.6B | 53/100 |
Where St. Joe Company Ranks
Frequently Asked Questions
What is St. Joe Company's annual revenue?
St. Joe Company (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 Company's revenue growing?
St. Joe Company (JOE) revenue grew by 27.4% year-over-year, from $402.7M to $513.2M in fiscal year 2025.
Is St. Joe Company profitable?
Yes, St. Joe Company (JOE) reported a net income of $123.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $115.6M, with a net profit margin of 22.5%.
What is St. Joe Company's EBITDA?
St. Joe Company (JOE) had EBITDA of $193.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does St. Joe Company have?
As of fiscal year 2025, St. Joe Company (JOE) had $129.6M in cash and equivalents against $391.2M in long-term debt.
What is St. Joe Company's gross margin?
St. Joe Company (JOE) had a gross margin of 43.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is St. Joe Company's operating margin?
St. Joe Company (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 Company's net profit margin?
St. Joe Company (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 Company pay dividends?
Yes, St. Joe Company (JOE) paid $0.58 per share in dividends during fiscal year 2025.
What is St. Joe Company's return on equity (ROE)?
St. Joe Company (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 Company's free cash flow?
St. Joe Company (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 Company's operating cash flow?
St. Joe Company (JOE) generated $190.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are St. Joe Company's total assets?
St. Joe Company (JOE) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are St. Joe Company's capital expenditures?
St. Joe Company (JOE) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is St. Joe Company's debt-to-equity ratio?
St. Joe Company (JOE) had a debt-to-equity ratio of 0.51 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is St. Joe Company's liabilities-to-equity ratio?
St. Joe Company (JOE) had a liabilities-to-equity ratio of 0.97 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is St. Joe Company's return on assets (ROA)?
St. Joe Company (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 Company's P/E ratio?
St. Joe Company (JOE) trades at 31.3x earnings, its market capitalization divided by $123.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.8B as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is St. Joe Company's price-to-sales ratio?
St. Joe Company (JOE) trades at 7.0x sales, its market capitalization divided by $547.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.8B as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is St. Joe Company's Piotroski F-Score?
St. Joe Company (JOE) has a Piotroski F-Score of 8 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are St. Joe Company's earnings high quality?
St. Joe Company (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 Company cover its interest payments?
St. Joe Company (JOE) has an interest coverage ratio of 4.80x, 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 Company?
St. Joe Company (JOE) scores 74 out of 100 on our Financial Health Score, indicating strong standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For St. Joe Company it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.