JOE — Stock Film
STOCK FILMSCENE 1/11JOE · $65.86
Stock Expert AI presents
JOE
The St. Joe Company
~5 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
The St. Joe Company. What it actually does.

Develop residential communities for homebuilders and retail consumers. Sell developed homesites and parcels of land. Now — the numbers.

on the stock market since 1990
1,019 employees
$3.7B market value
WHERE DOES THE MONEY COME FROM?
94%Real Estate
Real EstateHomebuilder Homesite Sales, Lot Residuals 4%Homebuilder Homesite Sales, Certain Products and Services 1%
94% of all revenue comes from a single line: Real Estate.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

Revenue last year:
$513.3M
The net profit left over:
$115.6M
Out of every $100 in sales, $23 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 23%

This is an established company with proven profits.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 18% a year over the last 4 years. Every year shown ended in profit.

$267M
2021
2022
2023
2024
$513.3M
2025
What executives did with their own stock over the last 12 months:
4 buy43 sell

Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
95
very strong

Profit power and business quality lead the class.

FINANCIAL STRENGTH
99
very strong

A solid grade overall — yet the debt outweighs the cash. The strength here comes from earnings power.

VALUATION
44
weak

Clearly below the class average.

PRICE MOMENTUM
64
average

The price is looking for direction — no strong breakout, no collapse.

WORTH WATCHING

Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.

THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 10% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 23% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 4 years, sales grew about 18% a year on average.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $0.64 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
A rich price tag

The company’s market value is 32 times its annual profit. Even a small disappointment could hit the price hard.

2
THE RISKS · 2/2
Executives lean toward selling

Over the last 12 months, executives reported 43 sells against just 4 buys. Not an alarm bell by itself, but a number worth watching.

FINALE · THE GRADE
A+
91 / 100 · MoonshotScore

On our five-subject report card, JOE sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”

The takeaway: JOE is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: earnings execution.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film