St. Joe Company (The) — Earnings Quality Grade F
JOE · Real Estate
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 28 days, change -9 days YoY
AR growth -3.2% vs revenue growth 27.4%
Revenue 27.4%, CFFO 76.6%. Cash follows revenue
Expense Quality
Inventory -17.9% vs COGS 24.1%. Normal
CapEx growth -52.3% vs revenue 27.4%. Normal
Insufficient data
Gross margin 43.1%, change +1.5pp. Stable
Cash Flow Quality
CFFO/NI = 1.65. Profits backed by cash
FCF $0.2B, FCF/NI = 1.44
Accruals ratio = -4.9%. Low accruals
Cash $0.1B covers only 23% of debt $0.6B
Balance Sheet Health
No goodwill. Clean balance sheet
Debt/EBITDA = 2.5x. Healthy
Other assets -1.2% vs revenue 27.4%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25