What is the 13F Pro Quality Score for JOE?

13F Pro ranks ST JOE Co (JOE) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View JOE's current score at https://13fpro.ai/company/JOE (free sign-up required for the full ranking).

Where does 13F Pro source JOE data?

All ST JOE Co fundamentals and ownership data come directly from SEC EDGAR. ST JOE Co files with the SEC under CIK 745308. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is JOE in?

ST JOE Co (JOE) is classified in the Real Estate sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/real-estate.

What drives JOE's revenue?

Per ST JOE Co's latest 10-Q filed with the SEC on 2026-07-29, the biggest revenue drivers are: Hospitality ($78.9M, +10.9% YoY); Residential ($52.8M, +38.7% YoY); Commercial ($21.6M, +17.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/JOE.

What are JOE's largest expenses?

ST JOE Co's latest 10-Q reports these as the largest expense items: Cost of hospitality revenue ($43.7M, +3.5% YoY); Cost of real estate revenue ($35.7M, +49.8% YoY); Depreciation, depletion and amortization ($11.4M, -5.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is JOE research updated on 13F Pro?

JOE's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ST JOE Co(JOE)Stock Analysis

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SEC EDGAR: CIK 745308 JOE stock profile & AI dashboard →

13F Pro Quality Score

69.5/100

Rank #265 of 2,961 stocksTOP 10%

View Real Estate peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

67.1/100

Profitability

83.5/100

Balance Sheet

77.3/100

Earnings Quality

61.4/100

Free Cash Flow

90.3/100

Institutional Flow

43.7/100

Revenue Scale

38.4/100

Dilution Risk

84.3/100

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Why JOE Scores 70/100

exact factor attribution · 2026-09-11

JOE's composite is driven by free cash flow and profitability, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+6.0 pts

90th pct

Profitability

+5.0 pts

84th pct

Revenue growth

+3.4 pts

67th pct

Capital efficiency

+2.7 pts

77th pct

Shareholder dilution

+1.7 pts

84th pct

Earnings growth

+1.4 pts

79th pct

Earnings quality

+1.1 pts

61th pct

Institutional flow

-0.3 pts

44th pct

Scale

-1.7 pts

38th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

JOE Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for ST JOE Co (JOE), a Real Estate sector company. 13F Pro's AI-powered ranking engine scores JOE at 69.5/100 on a 32-signal composite quality model, placing it at rank #265 of 2,961 stocks — the top 10% of the AI-ranked universe. JOE scores in the top quartile across free cash flow (90.3), profitability (83.5), balance sheet strength (77.3). Areas of concern include revenue scale (38.4), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), ST JOE Co reports quarterly revenue of $158.8M, net income of $40.5M, an operating margin of 34.5%. Top institutional holders of JOE by reported 13-F value include FAIRHOLME CAPITAL MANAGEMENT, BlackRock, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. JOE trades on the NYSE exchange and files with the SEC under CIK 745308. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate JOE daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ST JOE Co directly from SEC EDGAR. ST JOE Co's 13F Pro composite quality score has ranged between 57 and 73 since 2021, currently 69.5 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about ST JOE Co

Quirks, history, and lore behind JOE — the kind of stuff that makes a stock memorable.

1
The Basics
A real estate company · small-cap · listed on the NYSE · headquartered in the Florida Panhandle.
2
The Numbers
Sits on roughly 170,000 acres of land in Northwest Florida — making it one of the largest private landowners in the state, yet its revenue is only in the low hundreds of millions.
3
The History
Its roots trace back to a paper and timber company founded in the early 20th century; it reinvented itself as a master-planned community developer after selling off its timber assets.
4
The Secret
The real play here is raw land appreciation — the company controls so much Florida acreage that its stock price is essentially a bet on Panhandle real estate going up.
5
The Lore
Legendary investor Bruce Berkowitz of Fairholme Fund became a massive shareholder and board presence, calling the land holdings a vastly undervalued hidden asset.
6
The Giveaway
Its ticker is also a very common first name, its flagship development is the pastel-pretty Watersound and Watercolor communities near Seaside, Florida — and yes, the stock is literally called JOE.

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What's Driving JOE's Business? Latest 10-Q Breakdown

AI-extracted from ST JOE Co's 10-Q filed 2026-07-29 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

St. Joe posted its highest Q2 net income in 30 years ($40.5M, +37.3% YoY) as total revenue rose 23.0% to $158.8M, led by a 38.7% surge in residential real estate sales.

Biggest Revenue Drivers

Hospitality$78.9M+10.9% YoY

Increase driven by membership dues, ancillary spend, and higher hotel ADR, occupancy and guest incidental spend

Residential$52.8M+38.7% YoY

Driven by mix and number of homesites sold and higher estimated homesite residuals ($10.8M vs $1.2M)

Biggest Revenue Drivers

Total revenue: $158.8M+23.0% YoY

Hospitality$78.9M+10.9% YoY

Increase driven by membership dues, ancillary spend, and higher hotel ADR, occupancy and guest incidental spend

Residential$52.8M+38.7% YoY

Driven by mix and number of homesites sold and higher estimated homesite residuals ($10.8M vs $1.2M)

Commercial$21.6M+17.0% YoY

Driven by higher commercial and forestry real estate sales ($6.8M vs $1.9M) and additional commercial property leases

Largest Expense Items

Cost of hospitality revenue$43.7M+3.5% YoY

Grew slower than hospitality revenue due to continued stabilization of properties and improved management of operating expenses

Cost of real estate revenue$35.7M+49.8% YoY

Increased in line with higher volume and mix of homesite and home sales

Depreciation, depletion and amortization$11.4M-5.0% YoY

Decrease primarily due to assets sold since the prior period, partially offset by new hospitality and commercial assets placed in service

Margins: Gross margins expanded across segments: hospitality margin rose to 41.1% from 38.5% and leasing margin rose to 60.0% from 53.9%, driven by property stabilization and improved cost management, lifting operating income to $54.8M from $37.0M.

Watch Items from the Filing

Equity in income from unconsolidated JVs fell to $4.5M from $7.5M, largely because the Latitude Margaritaville Watersound JV completed only 86 home sales versus 137 a year earlier.
Approximately 87% of the Company's real estate is concentrated in Florida's Bay, Gulf, and Walton counties, with 90% within fifteen miles of the Gulf.
Board increased stock repurchase authorization to $200.0M in May 2026; $32.7M (499,700 shares) repurchased this quarter with $173.0M still available.
Total debt of $374.8M includes near-term JV loan maturities such as the $49.3M Pier Park Resort Hotel JV Loan and $4.5M Topsail Hotel Loan, both due in 2027.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$158.8M

Net Income

Q2 2026

$40.5M

Free Cash Flow

Q2 2026

$43.0M

Operating Margin

Q2 2026

34.5%

ROIC

Q2 2026

19.3%

D/E Ratio

Q2 2026

0.48

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+27.4% YoY

$513.2MFY 2025

FY22 $252.3MFY23 $389.3MFY24 $402.7MFY25 $513.2M

Net Income

+55.9% YoY

$115.6MFY 2025

FY22 $70.9MFY23 $77.7MFY24 $74.2MFY25 $115.6M

Operating Income

+53.0% YoY

$146.2MFY 2025

FY22 $61.5MFY23 $90.7MFY24 $95.6MFY25 $146.2M

EPS (Diluted)

+56.7% YoY

$1.99FY 2025

FY22 $1.21FY23 $1.33FY24 $1.27FY25 $1.99

Total Assets

-1.3% YoY

$1.52BFY 2025

FY22 $1.43BFY23 $1.52BFY24 $1.54BFY25 $1.52B

Total Debt

-10.6% YoY

$391.2MFY 2025

FY22 $385.9MFY23 $453.6MFY24 $437.8MFY25 $391.2M

Op. Cash Flow

+76.6% YoY

$190.7MFY 2025

FY22 $48.2MFY23 $103.8MFY24 $108.0MFY25 $190.7M

Free Cash Flow

+86.2% YoY

$186.6MFY 2025

FY22 $40.9MFY23 $97.7MFY24 $100.2MFY25 $186.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$513.2M +27.4%	$402.7M +3.5%	$389.3M +54.3%	$252.3M -5.5%	$267.0M +66.3%	$160.6M
Net Income	$115.6M +55.9%	$74.2M -4.5%	$77.7M +9.6%	$70.9M -4.9%	$74.6M +64.9%	$45.2M
Operating Income	$146.2M +53.0%	$95.6M +5.3%	$90.7M +47.6%	$61.5M -34.9%	$94.5M +100.6%	$47.1M
EPS (Diluted)	$1.99 +56.7%	$1.27 -4.5%	$1.33 +9.9%	$1.21 -4.7%	$1.27 +64.9%	$0.77
Total Assets	$1.52B -1.3%	$1.54B +1.0%	$1.52B +6.5%	$1.43B +18.4%	$1.21B +16.5%	$1.04B
Total Debt	$391.2M -10.6%	$437.8M -3.5%	$453.6M +17.6%	$385.9M +73.0%	$223.0M +40.3%	$158.9M
Operating Cash Flow	$190.7M +76.6%	$108.0M +4.0%	$103.8M +115.4%	$48.2M -56.9%	$111.8M +199.5%	$37.3M
Free Cash Flow	$186.6M +86.2%	$100.2M +2.6%	$97.7M +139.0%	$40.9M -62.0%	$107.5M +239.7%	$31.6M

AI Insight: JOE Financial Trends

ST Joe achieved sustained debt reduction and strong operating cash flow while revenue remains volatile and profitability inconsistent.

• Total debt declined 16.5% from $443M (Q3 2024) to $370M (Q2 2026), paired with rising equity to $764M.

• Operating cash flow averaged $43M over last four quarters, with peak of $86M in Q3 2025.

• Revenue highly volatile, ranging $16M–$159M across periods; net income swung from $14M to $40M in recent quarters.

⚠ Operating income declined 30% from $55M (Q2 2026) to $18M (Q1 2026), indicating quarter-to-quarter instability.

⚠ Net income fell 65% from $40M (Q2 2026) to $14M (Q1 2026)—largest single-quarter drop in dataset.

AI Insight: JOE Ratio Trends

Q2 2026 shows strong sequential recovery with ROE jumping to 21.2% and ROIC hitting 19.3%, while leverage continues declining to 0.48 D/E.

• ROIC surged to 19.3% in Q2 2026 from 6.3% in Q1 2026, reversing weakness and matching Q3 2025 highs.

• Operating margin rebounded to 34.5% in Q2 2026 vs. 18.4% in Q1 2026, indicating seasonal strength.

• Debt-to-equity ratio declined consistently from 0.62 in Q3 2024 to 0.48 in Q2 2026, strengthening balance sheet.

⚠ Q1 2026 showed material deterioration across ROE, ROA, and ROIC—monitor whether Q2 recovery sustains or reflects seasonal volatility.

⚠ Significant quarterly earnings volatility: NPM ranged 14.1%–178.8% across recent quarters; earnings predictability unclear.

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Available Research

13F Pro tracks comprehensive data for ST JOE Co including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of JOE

FAIRHOLME CAPITAL MANAGEMENT LLC
$1.1B18,182,367 sh
BlackRock, Inc.
$385.1M6,148,018 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$245.7M3,922,394 sh
VANGUARD CAPITAL MANAGEMENT LLC
$112.7M1,800,077 sh
STATE STREET CORP
$97.3M1,554,006 sh
DIMENSIONAL FUND ADVISORS LP
$84.8M1,353,659 sh
Select Equity Group, L.P.
$84.0M1,341,063 sh
GEODE CAPITAL MANAGEMENT, LLC
$75.1M1,198,445 sh
Praetorian PR LLC
$42.3M675,000 sh
FMR LLC
$40.8M651,353 sh

Fund	Value	Shares
FAIRHOLME CAPITAL MANAGEMENT LLC	$1.1B	18,182,367
BlackRock, Inc.	$385.1M	6,148,018
VANGUARD PORTFOLIO MANAGEMENT LLC	$245.7M	3,922,394
VANGUARD CAPITAL MANAGEMENT LLC	$112.7M	1,800,077
STATE STREET CORP	$97.3M	1,554,006
DIMENSIONAL FUND ADVISORS LP	$84.8M	1,353,659
Select Equity Group, L.P.	$84.0M	1,341,063
GEODE CAPITAL MANAGEMENT, LLC	$75.1M	1,198,445
Praetorian PR LLC	$42.3M	675,000
FMR LLC	$40.8M	651,353

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Is JOE a good stock to buy?

13F Pro's AI-powered analysis of ST JOE Co (JOE) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Real Estate sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for JOE are available on the JOE stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. JOE is classified as a mid company.

Which hedge funds own JOE?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling JOE. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ST JOE Co's investment landscape.