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The St. Joe Company (JOE) investor relations material
The St. Joe Company Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income rose 20.4% year-over-year to $29.5M ($0.51/share) in Q2 2025; revenue up 16% to $129.1M, driven by 27% growth in real estate revenue and strong performance across all segments.
Recurring revenue streams represented 63% of total revenue for the first six months of 2025.
Strategic transformation continues from land sales to a diversified real estate operating company.
Six-month net income increased 22% to $47.0M; revenue up 12% to $223.3M compared to 2024.
Demand remained strong despite macroeconomic headwinds such as inflation, elevated interest rates, and higher insurance costs, supported by net migration and limited housing supply.
Financial highlights
Q2 2025 revenue: $129.1M (Q2 2024: $111.6M); net income: $29.8M (Q2 2024: $24.5M); operating income: $37.0M (Q2 2024: $32.6M); EBITDA: $56.0M, up 14% year-over-year.
Diluted EPS for Q2 2025: $0.51 (Q2 2024: $0.42); gross margin for Q2 2025: 45.7% for real estate, 38.5% for hospitality, 53.9% for leasing.
Q2 2025 capital expenditures: $36.5M; $10.1M for share repurchase, $8.1M for dividends, $7.7M for debt reduction.
Cash and equivalents stood at $88.2M at quarter-end; total debt $432.4M with a weighted average interest rate of 4.8% and average remaining life of 18.7 years.
Share repurchases accelerated to $16.2M in the first half of 2025, reducing outstanding shares below 58M for the first time since 1996.
Outlook and guidance
Management expects continued strong demand and growth, supported by migration trends, robust homesite pipeline, and new project approvals, but notes ongoing macroeconomic headwinds.
1,209 homesites under contract as of June 30, 2025, expected to generate $121.7M+ in future revenue.
Ongoing development in only 3 of 10 approved DSAPs, providing a long runway for expansion.
Capital commitments for future projects will be funded with cash from operations, existing cash, partner capital, and financing arrangements.
No exact timeline for breaking ground on major projects like the second phase of Margaritaville or the West Bay Bridge, but planning and discussions are ongoing.
Explain the impact of DSAP approval on future growth.
Assess the effect of mix of sales on real estate revenue.
How does debt structure mitigate interest rate risk?
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Next The St. Joe Company earnings date
Q3 202530 Oct, 2025
Next The St. Joe Company earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
The St. Joe Company is a real estate development, investment, and management company primarily focused on residential, commercial, and hospitality properties. The company engages in the development of master-planned communities, resorts, and commercial ventures, particularly in Northwest Florida. Its operations include residential homebuilding, commercial leasing, and hospitality management, with a significant emphasis on coastal resort properties, hotels, and golf courses. The company is headquartered in Panama City Beach, Florida, and its shares are listed on the NYSE.
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