# The St. Joe Company (JOE) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Real Estate / Real Estate Management & Development. Price $66.11, market value $3.8 billion.

## Valuation
- **P/E (trailing): 31.0×** (5-yr avg 35.7×, 3-yr avg 36.2×). The St. Joe Company trades at 31.0× trailing earnings, close to its own five-year average of 35.7×. The Real Estate median in the September 2026 study was 25.2×. Forward P/E is 601.0×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 10.60**. A PEG of 10.60 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 6.9×**. Each dollar of revenue is priced at 6.9×.
- **Price / book: 4.9×**. The shares trade at 4.9× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 19.0×**. Enterprise value is 19.0× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 5.6%** (5-yr avg 3.5%). Free cash flow equals 5.6% of the market value, above its five-year average of 3.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 3.2%**. The inverse of the P/E: 3.2% of the price is earned each year.

## Profitability
- **Gross margin: 44.1%**. The St. Joe Company keeps 44.1% of revenue after the direct cost of what it sells.
- **Operating margin: 30.2%**. 30.2% of revenue is left after running the business, an exceptional level.
- **Net margin: 22.5%**. 22.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.1%**. 15.1% on shareholders' equity is solid.
- **Return on invested capital: 12.7%**. Return on all capital, debt included, is 12.7%.
- **Return on assets: 8.1%**. Each dollar of assets produces 8.1% of profit.

## Growth
- **Revenue growth (1 yr): 27.4%** (3-yr 26.7%/yr, 5-yr 26.2%/yr). Revenue grew 27.4% over the last year, against 26.2% a year compounded over five years.
- **EPS growth (1 yr): 56.7%** (3-yr 18.0%/yr, 5-yr 20.9%/yr). Earnings per share rose 56.7%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 65.9%/yr**. Free cash flow has compounded at 65.9% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 0.51**. Debt is 0.51 times equity, moderate leverage.
- **Net debt / EBITDA: 1.2×**. It would take 1.2 years of operating earnings to repay net borrowings, within the comfortable range.
- **Altman Z-score: 4.40**. A Z-score of 4.40 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 8/9**. 8 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 0.97%** ($0.62 per share, trailing). The St. Joe Company yields 0.97%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 29%** (17% of free cash flow). 29% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 6**. 6 straight years of increases.
- **Dividend growth (5 yr): 52.6%/yr** (1-yr 11.5%). The dividend has compounded at 52.6% a year over five years, doubling roughly every 1 years at that pace.

## Price and momentum
- **Total return (1 yr): 32.7%** (YTD 11.9%, 3-mo 2.2%). The shares are up 32.7% over twelve months including dividends.
- **From 52-week high: -10.1%** (42.6% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 0.53** (volatility 31%). Beta of 0.53 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=JOE · Page: https://foliofundamentals.com/stocks/joe

Not investment advice.