Does JOE pay a dividend and is it safe?

St. Joe Company (JOE) offers a 0.83% cash dividend yield ($0.57 annualized) and 2.63% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Real Estate / JOE / dividends

IRS (47) AXR (65) THO (54) GEO (47) ⌘ Pro Terminal →

St. Joe Company (JOE) Dividend Safety Gauge & 10-Year DRIP Compounder

$68.90 -1.60% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $68.87

St. Joe Company (JOE) earns a Roarable Rating of B+ (Buy) with 76/100 RQD Confidence. High-quality cash engine (43.1% gross margin, 18% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B+ • BUY Cap $3.96B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on JOE Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is JOE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, St. Joe Company (NYSE: JOE) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $68.90 (-1.60% 1D, market cap $3.96B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 51 tracked Real Estate issuers, JOE ranks #1 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does JOE compare to IRS and AXR in the Real Estate sector?

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Within the Real Estate sector (Homebuilding), JOE carries a Roarable B+ (76/100 RQD), trailing P/E of 35.1x, gross margin of 43.1%, and ROIC of 18.1%. By comparison, IRS (IRSA Inversiones Y Representaciones S.A. Global )) holds a D grade (47/100 RQD, P/E N/A, ROIC —, cap $1.21B) and AXR (AMREP Corporation) posts a C grade (65/100 RQD, P/E 10.8x, ROIC 11.0%, cap $111.1M). Among the 5-stock peer group, AXR leads on earnings multiple (10.8x) while JOE leads on capital efficiency (18.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for JOE?

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Per JOE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000745308), St. Joe Company generated $513.2M in revenue (+27.4% YoY), $115.6M in net income, and $186.6M in free cash flow against $1.52B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (43.1% gross margin)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $68.87 (-0.05%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 36.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+8.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for JOE)Realized 20D OHLCV Swing Band: ±5.8%

Deterministic 5-Pillar Attribution (76/100 Composite)

🔍 WHY JOE SCORES 76/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 36.4% FCF Margin ($186.6M FCF) & 43.1% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (21% of score)

Altman Z-Score 4.43 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (57.2) create a -8 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$66.36+4% Next Q

Q2 (-2Q)

Grade B$68.99-1.4% Next Q

Q3 (-1Q)

Grade B$68.05+1.2% Next Q

Current

Grade B+$68.90+7.6% Hist 90D α

Trajectory: B- (68) → B+ (76)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the JOE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 76/100 (B+) score, JOE faces multiple-compression risk if 35.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 40.6% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($66.56) or 200D SMA ($66.05) invalidates the momentum regime and cuts Target Base ($74.48) toward Bear Floor ($56.50).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $JOE• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “JOE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 76%NO 24%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

2.63% Total Yield

0.83% Cash ($0.57/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (17.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $48,481

Est. Year-10 Shareholder Yield: $1,275/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.7K

Yr 1

$13.7K

Yr 2

$16.1K

Yr 3

$18.8K

Yr 4

$22.0K

Yr 5

$25.8K

Yr 6

$30.2K

Yr 7

$35.4K

Yr 8

$41.4K

Yr 9

$48.5K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in JOE & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on JOE and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

JOE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.71%▲ ASCENDING CHANNEL

2026-11-03O $71.80H $71.80L $68.90C $68.90VOL 372.3K

RES: $72.92SUP: $65.04SMA50: $66.56SMA200: $66.05

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

JOE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 JOE Butterfly Map → + Track JOE →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

27.1%/yr Implied 5Y Growth

vs. +27.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on JOE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for JOE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for JOE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (JOE)

Real Estate Rank #1 of 51 ⚔️ IRS vs JOE Full Matrix →

1. Head-to-Head Real Estate Peer Comparison (JOE vs. IRS, AXR, THO, GEO)

Industry: Homebuilding (31 Tracked Issuers)

Across 51 tracked Real Estate securities in the Roarable RQD universe, St. Joe Company (JOE) ranks #1 by composite RQD confidence (76/100, grade B+) and #8 by equity capitalization ($3.96B). Within this direct 5-issuer industry benchmark cohort, AXR leads on earnings valuation at 10.8x trailing P/E, while JOE leads on capital efficiency and profitability with 18.1% ROIC and 43.1% gross margin. JOE currently leads its immediate peer cohort in composite quantitative strength at 76/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
JOE ACTIVE St. Joe Company	B+	76/100	35.1x	43.1%	18.1%	-1.60%	$3.96B	Benchmark Subject
IRS IRSA Inversiones Y Representaciones S.A. Global )	D	47/100	—	—	—	-12.98%	$1.21B	/irs-vs-joe →
AXR AMREP Corporation	C	65/100	10.8x	—	11.0%	-1.68%	$111.1M	/axr-vs-joe →
THO Thor Industries Inc.	D+	54/100	14.7x	14.0%	5.0%	+7.56%	$3.81B	/tho-vs-joe →
GEO Geo Group Inc	D	47/100	14.8x	—	6.6%	-2.21%	$3.75B	/geo-vs-joe →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000745308 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), St. Joe Company (JOE) reported GAAP revenue of $513.2M (+27.4% vs. FY2024 revenue of $402.7M , and +31.8% cumulative change since FY2023) , GAAP net income of $115.6M, operating cash flow of $190.7M, and free cash flow of $186.6M (+86.2% YoY). On the balance sheet, JOE closed FY2025 with $1.52B in total assets against $0 in total debt (Altman Z-Score: 4.43, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$513.2M	$115.6M	$190.7M	$186.6M	$1.52B	—
FY2024 (FY)	2024-12-31	$402.7M	$74.2M	$108.0M	$100.2M	$1.54B	—
FY2023 (FY)	2023-12-31	$389.3M	$77.7M	$103.8M	$103.8M	—	—

3. JOE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is JOE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does JOE compare to IRS and AXR in the Real Estate sector?

What are the biggest fundamental strengths and SEC risk factors for JOE?

Where is JOE trading relative to its 50-day, 200-day, and 52-week technical levels?

JOE last traded at $68.90 (-1.60% on volume of 222,733 shares), positioning the stock +3.52% above its 50-day simple moving average ($66.56) and +4.31% above its 200-day simple moving average ($66.05). Across its 52-week range of $55.61 to $73.54, JOE sits at the 74.1% percentile with a 14-day RSI of 57.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.8% ($64.90 to $72.90).

Direct Sub-Reports: JOE RQD Cockpit JOE 12M Forecast JOE Earnings & Move JOE Dividends & DRIP JOE Insiders & 13F JOE Whale Options JOE Profit Sankey JOE News & Why

ROARABLE RATING BRIEF • RQD 76/100 (B+) ✓ SEC XBRL & RQD VERIFIED

JOE — St. Joe Company: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

St. Joe Company (JOE) earns a live Roarable RQD composite score of 76/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $68.90 (-1.60% 1D, market capitalization $3.96B).

Fundamental Cash Engine (18/20): Anchored by return on invested capital (ROIC) of 18.1%, gross margin of 43.1%, operating margin of 28.5%, and free cash flow yield of 4.60%.
Whale 13F & Options Flow (15/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (16/20): Incorporates a 1.00x equity beta, Altman Z-Score of 4.43, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

St. Joe Company (JOE) is a NYSE-listed issuer in the Real Estate sector, operating in the Homebuilding industry. The market capitalization is $4.1B. The company reports revenue, operating income, and free cash flow across FY 2023–FY 2025. —: a detailed description of specific products, customer segments, or revenue-mix breakdown.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), St. Joe Company (JOE) reported $513.2M in annual revenue (up from $402.7M in FY2024, +27.4% YoY) and $115.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($389.3M revenue, $77.7M net income) through FY2025, JOE scaled operating cash flow to $190.7M and free cash flow to $186.6M, backed by $1.52B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B+ • RQD 76/100): Strong cash generator (43.1% gross margin)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 18/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $55.61 – $73.54 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 35.1x trailing P/E and 26.2x EV/EBITDA against 28.5% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

—: upstream suppliers, downstream customers, or sector correlations. A prospective investor should note that the homebuilding exposure implied by the industry classification is not mapped to any specific counterparties in the source data.

Key Question #1: Can JOE sustain or expand its 28.5% operating margin and 18.1% ROIC against Homebuilding peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $513.2M and free cash flow of $186.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is JOE's 29.5x forward P/E multiple to Real Estate capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

JOE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for St. Joe Company (JOE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to JOE Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

St. Joe (JOE) Stock Looks Fully Valued As Earnings Face A Premium

Yahoo Finance report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

St. Joe Company (The) Estimates – NYSE:JOE

TradingView report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

35 plots for custom homes will be offered through bidding in a new Florida community

Stock Titan report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST GuruFocus • 1d ago

The St. Joe Company (JOE) Raises Quarterly Dividend by 12.5% to $0.18 Per Share

GuruFocus report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

Earnings Flash (JOE) The St. Joe Company Reports Q3 Revenue $156.2M

www.marketscreener.com report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

St. Joe (JOE) Q3 2026 Earnings Call Transcript

The Globe and Mail report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

The St. Joe (JOE) Is Positioned to Benefit from Population Migration and Inflation

Yahoo Finance report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Business Wire • 1d ago

The St. Joe Company Reports Third Quarter and First Nine Months of 2026 Results and Increases Quarterly Dividend by 13% to $0.18 Per Share

Business Wire report covering St. Joe Company (JOE) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

JOE Bull vs. Bear Conversation Board — What's Your Call at $68.90?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON JOE 🐻 33% BEARISH CONVICTION

DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $90.33 (+29.0%)

📌 Pinned Debate

Cash engine is strong, with ROIC of 18.1% and FCF yield of 4.6%, backed by a 4.43 Altman Z-Score and 7/9 Piotroski F-Score.

The street is overcomplicating St. Joe Company (JOE). Cash engine is strong, with ROIC of 18.1% and FCF yield of 4.6%, backed by a 4.43 Altman Z-Score and 7/9 Piotroski F-Score.. With an RQD score of 76/100 (B+) and Forensic Balance Sheet at 16/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $75.62.

EarningsSniper 🐂 BULL

Both sides have a point here — JOE's 16/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $54.62 (-22.0%)

Spot @ $70.02

Valuation is stretched at 35.1x TTM P/E and 26.2x EV/EBITDA, and the macro-fit pillar scores only 12/20.

I respect the product at St. Joe Company, but the stock at $70.02 is a different story. Valuation is stretched at 35.1x TTM P/E and 26.2x EV/EBITDA, and the macro-fit pillar scores only 12/20.. FCF yield is 4.6% and RQD sits at 76/100 (B+) — why pay up here when you can wait for next quarter's numbers?