The St. Joe CoJOE -1.16%92 ROE % is 7.28% as of Mar. 2026, which is 28% below its 10-year median of 10.05. GuruFocus rates JOE with a GF Score™ of 92/100 and a GF Value™ of $74.35 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 1,732 Real Estate companies, The St. Joe Co ranks better than 84.99% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. The St. Joe Co's annualized net income for the quarter that ended in Mar. 2026 was $55.7 Mil. The St. Joe Co's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $766.1 Mil. Therefore, The St. Joe Co's annualized ROE % for the quarter that ended in Mar. 2026 was 7.28%.
The historical rank and industry rank for The St. Joe Co's ROE % or its related term are showing as below:
JOE'
s ROE % Range Over the Past 10 Years
Min: 2.38 Med: 10.05 Max: 15.51
Current: 14.91
During the past 13 years, The St. Joe Co's highest ROE % was 15.51%. The lowest was 2.38%. And the median was 10.05%.
JOE's ROE % is ranked better than 84.99% of 1732
companies
in the Real Estate industry
Industry Median: 3.97
vs JOE: 14.91
The St. Joe Co (NYSE:JOE) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
The St. Joe Co ROE % Related Terms
The St. Joe Co ROE % Historical Data
* Premium members only.
The historical data trend for The St. Joe Co's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Real Estate Industry
For the Real Estate industry and Real Estate sector, The St. Joe Co's ROE % distribution charts can be found below:
* The bar in red indicates where The St. Joe Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
The St. Joe Co (JOE) has a ROE % of 7.28% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on The St. Joe Co and its competitors. This is 28% below median its historical median of 10.05. Over the past decade, The St. Joe Co's ROE % has ranged from 2.38 to 15.51. According to the industry distribution chart, The St. Joe Co ranks #260 out of 1732 companies in the Real Estate industry, placing it in the top 15%.
Is The St. Joe Co's ROE % too high?
The St. Joe Co's current ROE % of 7.28% is 28% below median its 10-year median of 10.05. Over the past 10 years, this metric has ranged from a low of 2.38 to a high of 15.51. The Real Estate industry median ROE % is 3.97. The St. Joe Co's value of 7.28% is 83.4% above this industry median. Based on the distribution chart, The St. Joe Co ranks #260 out of 1732 companies in the Real Estate industry, which is in the top quartile — a strong position relative to peers. Overall, The St. Joe Co has a GF Score™ of 92/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The St. Joe Co's ROE % compare to STRS?
According to the Real Estate industry distribution chart, The St. Joe Co ranks #260 out of 1732 companies for ROE %. This places The St. Joe Co in the top 15% of its industry — outperforming the majority of peers. The industry median ROE % is 3.97. The St. Joe Co's value of 7.28% is 83.4% above this benchmark. Historically, The St. Joe Co's own ROE % has ranged from 2.38 to 15.51 over the past decade. While the company's 10-year median is 10.05 vs. the industry median of 3.97, The St. Joe Co has consistently been above 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 ROE % for a Real Estate company?
The median ROE % among Real Estate companies is 3.97, based on 1,732 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The St. Joe Co's current ROE % of 7.28% is 83.4% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on The St. Joe Co and its competitors. For the Real Estate industry, the median ROE % is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The St. Joe Co's current ROE % is 7.28%, which is 28% below median its own 10-year median of 10.05. 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 Modestly Undervalued. The stock's GF Value™ is $74.35, compared to a current price of $65.92 — trading 11.3% below its estimated fair value. The current ROE % is 7.28%, which is 28% below median its 10-year median of 10.05 and 83.4% above the Real Estate industry median of 3.97. The St. Joe Co's overall GF Score™ is 92/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For The St. Joe Co (JOE), the current ROE % is 7.28% as of Mar. 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 $65.92 is trading 11.3% below its estimated GF Value™ of $74.35.
GuruFocus considers The St. Joe Co to be Modestly Undervalued.
Key valuation signals for JOE:
ROE %: 7.28% (28% below median its 10-year median of 10.05)
GF Value™: $74.35 vs. price of $65.92 (11.3% below fair value)
Industry Position: 83.4% above the Real Estate median (#260 of 1732)
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.
92GF Score
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