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The St. Joe CoJOE +3.92%91 Debt-to-EBITDA is 1.88 as of Jun. 2026, which is 51% below its 10-year median of 3.83. GuruFocus rates JOE with a GF Score™ of 91/100 and a GF Value™ of $74.50 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,278 Real Estate companies, The St. Joe Co ranks better than 72.54% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for The St. Joe Co's Debt-to-EBITDA or its related term are showing as below:
JOE'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.29 Med: 3.83 Max: 5.32
Current: 2.29
During the past 13 years, the highest Debt-to-EBITDA Ratio of The St. Joe Co was 5.32. The lowest was 2.29. And the median was 3.83.
JOE's Debt-to-EBITDA is ranked better than 72.54% of 1278
companies
in the Real Estate industry
Industry Median: 5.545
vs JOE: 2.29
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The St. Joe Co Debt-to-EBITDA Related Terms
The St. Joe Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for The St. Joe Co's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Real Estate - Diversified subindustry, The St. Joe Co's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The St. Joe Co Debt-to-EBITDA vs Real Estate Industry
For the Real Estate industry and Real Estate sector, The St. Joe Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where The St. Joe Co's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
The St. Joe Co (JOE) has a Debt-to-EBITDA of 1.88 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on The St. Joe Co. This is 51% below median its historical median of 3.83. Over the past decade, The St. Joe Co's Debt-to-EBITDA has ranged from 2.29 to 5.32. According to the industry distribution chart, The St. Joe Co ranks #351 out of 1278 companies in the Real Estate industry, placing it in the top 27.5%.
Is The St. Joe Co's Debt-to-EBITDA too high?
The St. Joe Co's current Debt-to-EBITDA of 1.88 is 51% below median its 10-year median of 3.83. Over the past 10 years, this metric has ranged from a low of 2.29 to a high of 5.32. The Real Estate industry median Debt-to-EBITDA is 5.55. The St. Joe Co's value of 1.88 is 66.1% below this industry median. Based on the distribution chart, The St. Joe Co ranks #351 out of 1278 companies in the Real Estate industry, which is above the industry midpoint. Overall, The St. Joe Co has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The St. Joe Co's Debt-to-EBITDA compare to STRS?
According to the Real Estate industry distribution chart, The St. Joe Co ranks #351 out of 1278 companies for Debt-to-EBITDA. This puts The St. Joe Co in the upper half of its industry. The industry median Debt-to-EBITDA is 5.55. The St. Joe Co's value of 1.88 is 66.1% below this benchmark. Historically, The St. Joe Co's own Debt-to-EBITDA has ranged from 2.29 to 5.32 over the past decade. While the company's 10-year median is 3.83 vs. the industry median of 5.55, The St. Joe Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Real Estate company?
The median Debt-to-EBITDA among Real Estate companies is 5.55, based on 1,278 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The St. Joe Co's current Debt-to-EBITDA of 1.88 is 66.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on The St. Joe Co. For the Real Estate industry, the median Debt-to-EBITDA is 5.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The St. Joe Co's current Debt-to-EBITDA is 1.88, which is 51% below median its own 10-year median of 3.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The St. Joe Co stock overvalued right now?
Based on GuruFocus' analysis, The St. Joe Co (JOE) is currently considered Fairly Valued. The stock's GF Value™ is $74.50, compared to a current price of $69.96 — trading 6.1% below its estimated fair value. The current Debt-to-EBITDA is 1.88, which is 51% below median its 10-year median of 3.83 and 66.1% below the Real Estate industry median of 5.55. The St. Joe Co's overall GF Score™ is 91/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For The St. Joe Co (JOE), the current Debt-to-EBITDA is 1.88 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The St. Joe Co (JOE) Overvalued in 2026?
Based on GuruFocus' analysis, The St. Joe Co stock appears to be undervalued.
The current stock price of $69.96 is trading 6.1% below its estimated GF Value™ of $74.50.
GuruFocus considers The St. Joe Co to be Fairly Valued.
Key valuation signals for JOE:
Debt-to-EBITDA: 1.88 (51% below median its 10-year median of 3.83)
GF Value™: $74.50 vs. price of $69.96 (6.1% below fair value)
Industry Position: 66.1% below the Real Estate median (#351 of 1278)
No single metric tells the full story. See the JOE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The St. Joe Co is a real estate development, asset management, and operating company and it has three operating segments; the Residential segment plans and develops residential communities and sells homesites to homebuilders or retail consumers, the Hospitality segment that derives maximum revenue, features a private membership club, hotel operations, food and beverage operations, golf courses, beach clubs, retail outlets, gulf-front vacation rentals, management services, marinas, and other entertainment assets, and Commercial segment include leasing of commercial property, multi-family, senior living, self-storage, and other assets and it also oversees the planning, development, entitlement, management, and sale of commercial and rural land holdings.
91GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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