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JOEThe St. Joe Company
$59.61$3.4B
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The St. Joe Company (JOE) Financial Ratios

Latest Ratios: P/E Ratio 29.8x · EV/EBITDA 19.0x · ROE 15.3%. (1996–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

JOE Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Market Cap$3.4B$3.4B$2.6B$3.5B$2.3B$3.1B$2.5B$1.2B$826M$1.3B$1.4B
Enterprise Value$3.7B$3.7B$3.2B$4.1B$2.8B$3.4B$2.7B$1.3B$877M$1.3B$1.4B
P/E Ratio →29.8029.6835.3845.2531.9440.9855.1344.0725.3321.4990.48
P/S Ratio6.676.676.519.029.0011.4815.609.367.4912.8914.78
P/B Ratio4.434.413.565.033.494.904.412.251.512.102.01
P/FCF18.3418.3445.15—————51.4952.27141.82
P/OCF17.9517.9524.2833.8047.0727.4167.1039.1419.9422.83109.89

P/E links to full P/E history page with 30-year chart

JOE EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
EV / Revenue—7.187.9710.4211.1012.7417.0410.037.9513.2914.68
EV / EBITDA19.0319.0322.6031.3233.2130.1945.6930.637.7413.3014.68
EV / EBIT25.2115.8833.5631.0445.5729.6837.2826.2820.5424.5540.25
EV / FCF—19.7555.26—————54.6753.91140.84

JOE Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Gross Margin93.0%93.0%41.5%39.4%42.2%50.8%51.6%49.6%53.5%32.8%35.9%
Operating Margin28.5%28.5%23.7%23.3%24.4%35.4%29.3%24.6%26.7%2.3%2.0%
Net Profit Margin22.5%22.5%18.4%20.0%28.1%27.9%28.2%21.1%29.4%60.2%16.6%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
ROE15.3%15.3%10.3%11.5%11.1%12.5%8.2%5.0%5.6%9.1%2.3%
ROA7.6%7.6%4.8%5.3%5.4%6.6%4.6%3.0%3.6%6.1%1.6%
ROIC9.3%9.3%5.6%5.6%4.3%8.0%5.0%3.9%3.5%0.3%0.2%
ROCE9.8%9.8%6.6%6.7%5.1%8.9%5.0%3.6%3.3%0.2%0.2%

JOE Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Debt / Equity0.510.510.920.910.870.650.590.510.450.380.33
Debt / EBITDA2.032.034.764.896.753.615.636.502.172.352.42
Net Debt / Equity—0.340.800.780.820.540.410.160.090.07-0.01
Net Debt / EBITDA1.361.364.134.226.302.983.852.040.450.41-0.10
Debt / FCF—1.4210.10—————3.181.64-0.98
Interest Coverage3.013.012.854.273.347.235.413.943.624.392.84

JOE Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Current Ratio10.6410.641.501.491.042.235.479.0413.1319.5034.16
Quick Ratio10.3710.371.431.451.002.205.428.9914.99-1.888.37
Cash Ratio10.6410.641.500.800.661.724.037.2913.1312.3519.76
Asset Turnover—0.340.260.260.180.220.150.140.130.110.09
Inventory Turnover10.8110.8158.3555.5236.8746.9538.3946.30—0.200.19
Days Sales Outstanding———————————

JOE Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Dividend Yield1.0%1.0%1.2%0.7%1.0%0.6%0.2%————
Payout Ratio29.1%29.1%40.9%33.0%33.1%25.3%9.1%————

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Earnings Yield3.4%3.4%2.8%2.2%3.1%2.4%1.8%2.3%3.9%4.7%1.1%
FCF Yield5.5%5.5%2.2%—————1.9%1.9%0.7%
Buyback Yield1.2%1.2%0.1%0.0%0.9%0.0%0.4%1.8%11.3%11.6%1.0%
Total Shareholder Yield2.2%2.2%1.3%0.7%1.9%0.6%0.5%1.8%11.3%11.6%1.0%
Shares Outstanding—$58M$58M$58M$59M$59M$59M$60M$63M$71M$74M

Key Metrics

Growth RegimeMixed
ProfitabilityModerate
Balance SheetHealthy
Cash FlowMixed
Top Statement Risk

Geographic and transactional concentration

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q1)

Valuation Premium Reflects Land Scarcity

Based on reported figures, the company's P/FFO multiple has hovered near 13x, which appears to discount the unique regional monopoly held by the firm's 170,000-acre land bank compared to traditional homebuilders that must acquire inventory at current market prices.

The valuation suggests that investors are pricing the company as a long-term land-use monopoly rather than a cyclical developer. While the P/FFO multiple remains relatively stable, the lack of a direct peer comparison makes it difficult to determine if the current market price fully captures the optionality of the company's undeveloped acreage.

NOI Volatility Driven by Mix

As reported in financial statements, NOI margins have exhibited extreme variance, swinging from 26.3% to 169.1% over the last ten quarters, which indicates that the company's profitability is heavily tethered to the irregular timing of high-margin land sales versus recurring hospitality operations.

The wide range in NOI margins suggests that the company's profitability is not yet stabilized by its hospitality and commercial segments. Investors should monitor whether the shift toward recurring revenue streams can eventually dampen the margin volatility currently inherent in the land-sale business model.

Payout Ratios Mask Cash Realities

According to recent SEC filings, the FFO payout ratio has fluctuated between 1.4% and 57.8%, a trend that warrants caution as it suggests dividend sustainability is currently dependent on the episodic nature of land transactions rather than a consistent, recurring cash flow base.

The low payout ratios in certain quarters may appear attractive, but they likely reflect the lumpy nature of cash inflows rather than a deliberate policy of capital retention. The divergence between FFO and AFFO suggests that maintenance capital requirements for the hospitality portfolio could periodically pressure the company's ability to sustain dividends.

Strengthening Balance Sheet Amidst Development

Based on reported figures, the debt-to-equity ratio has improved from 0.92 in 2024Q4 to 0.73 in 2026Q1, indicating that the company is successfully deleveraging while simultaneously funding significant infrastructure and hospitality projects across its Northwest Florida land holdings.

The reduction in debt levels suggests a disciplined approach to capital allocation, providing a buffer against potential cyclical downturns in the regional housing market. The company's ability to maintain this leverage profile while investing in long-dated assets appears to be a key pillar of its current financial stability.

Misapplication of Standard P/E Multiples

As indicated by the provided data, the market's reliance on standard P/E multiples for this REIT is deeply misleading, as it fails to account for the significant non-cash depreciation charges that distort earnings and obscure the company's true cash-generating capacity.

Using P/E ignores the fundamental reality that land-heavy REITs should be evaluated on FFO or AFFO to account for the non-cash nature of asset depreciation. Investors should prioritize FFO-based metrics to better understand the company's ability to fund operations and dividends from its actual cash flow.

Download Financial Ratios Data

Includes 30+ ratios · 30 years · Updated daily

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JOE — Frequently Asked Questions

Quick answers to the most common questions about buying JOE stock.

What is The St. Joe Company's P/E ratio?

The St. Joe Company's current P/E ratio is 29.8x. The historical average is 41.4x. This places it at the 35th percentile of its historical range.

What is The St. Joe Company's EV/EBITDA?

The St. Joe Company's current EV/EBITDA is 19.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 24.2x.

What is The St. Joe Company's ROE?

The St. Joe Company's return on equity (ROE) is 15.3%. The historical average is 8.0%.

Is JOE stock overvalued?

Based on historical data, The St. Joe Company is trading at a P/E of 29.8x. This is at the 35th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What is The St. Joe Company's dividend yield?

The St. Joe Company's current dividend yield is 0.98% with a payout ratio of 29.1%.

What are The St. Joe Company's profit margins?

The St. Joe Company has 93.0% gross margin and 28.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.

How much debt does The St. Joe Company have?

The St. Joe Company's Debt/EBITDA ratio is 2.0x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.