JOE ST JOE Co
FY2025 10-K
ST JOE Co (JOE) filed its fiscal year 2025 10-K annual report with the SEC on Feb 25, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Real estate development and property management across residential, hospitality, and commercial segments in Northwest Florida
- • Emphasis on joint ventures for property investments, notably Latitude Margaritaville Watersound community and multiple retail/commercial projects
Management Discussion & Analysis
- • Total real estate revenue $234.2M in 2025, up $91.0M or 63.6% YoY from $143.2M in 2024
- • Gross profit margin stable at 50.8% in 2025 vs 50.9% in 2024 (gross profit $118.9M vs $72.9M)
Risk Factors
- • Regulatory risk: Adoption of FASB ASU 2025-05 on credit loss measurement in July 2025, applied prospectively, with no current financial impact disclosed
- • Geopolitical/macroeconomic risk: Cash deposits exceed FDIC insurance by $60.4 million as of December 31, 2025, exposing to potential institutional credit risk
Financial SummaryXBRL
Revenue
$513M
Net Income
$116M
Gross Margin
43.1%
Operating Margin
28.5%
Net Margin
22.5%
ROE
15.1%
Total Assets
$1.5B
EPS (Diluted)
$1.99
Operating Cash Flow
$191M
Source: XBRL data from ST JOE Co FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on ST JOE Co
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.