WallStSmart

St Joe Company (JOE)vsSimon Property Group Inc (SPG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Simon Property Group Inc generates 1183% more annual revenue ($6.65B vs $518.09M). SPG leads profitability with a 70.6% profit margin vs 21.6%. SPG trades at a lower P/E of 15.8x. SPG earns a higher WallStSmart Score of 63/100 (C+).

JOE

Hold

48

out of 100

Grade: D+

Growth: 6.0Profit: 7.0Value: 3.7Quality: 7.5
Piotroski: 7/9Altman Z: 2.06

SPG

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 9.0Value: 4.0Quality: 3.0
Piotroski: 4/9Altman Z: 0.36
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JOESignificantly Overvalued (-16.9%)

Margin of Safety

-16.9%

Fair Value

$58.60

Current Price

$63.07

$4.47 premium

UndervaluedFair: $58.60Overvalued
SPGSignificantly Overvalued (-26.8%)

Margin of Safety

-26.8%

Fair Value

$153.57

Current Price

$230.44

$76.87 premium

UndervaluedFair: $153.57Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JOE1 strengths · Avg: 9.0/10
Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

SPG6 strengths · Avg: 9.2/10
Return on EquityProfitability
96.3%10/10

Every $100 of equity generates 96 in profit

Profit MarginProfitability
70.6%10/10

Keeps 71 of every $100 in revenue as profit

Operating MarginProfitability
43.4%10/10

Strong operational efficiency at 43.4%

Market CapQuality
$85.96B9/10

Large-cap with strong market position

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
19.3%8/10

19.3% revenue growth

Areas to Watch

JOE2 concerns · Avg: 3.0/10
P/E RatioValuation
31.4x4/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-19.9%2/10

Earnings declined 19.9%

SPG4 concerns · Avg: 2.3/10
Price/BookValuation
15.5x4/10

Trading at 15.5x book value

PEG RatioValuation
8.742/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.362/10

Distress zone — elevated risk

Debt/EquityHealth
5.961/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : JOE

The strongest argument for JOE centers on Profit Margin. Profitability is solid with margins at 21.6% and operating margin at 18.3%.

Bull Case : SPG

The strongest argument for SPG centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 70.6% and operating margin at 43.4%. Revenue growth of 19.3% demonstrates continued momentum.

Bear Case : JOE

The primary concerns for JOE are P/E Ratio, EPS Growth.

Bear Case : SPG

The primary concerns for SPG are Price/Book, PEG Ratio, Altman Z-Score. Debt-to-equity of 5.96 is elevated, increasing financial risk.

Key Dynamics to Monitor

JOE profiles as a mature stock while SPG is a growth play — different risk/reward profiles.

SPG carries more volatility with a beta of 1.33 — expect wider price swings.

SPG is growing revenue faster at 19.3% — sustainability is the question.

SPG generates stronger free cash flow (625M), providing more financial flexibility.

Bottom Line

SPG scores higher overall (63/100 vs 48/100), backed by strong 70.6% margins and 19.3% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

St Joe Company

REAL ESTATE · REAL ESTATE - DIVERSIFIED · USA

The St. Joe Company is a real estate development, asset management and operation company in Northwest Florida, USA. The company is headquartered in Panama City Beach, Florida.

Simon Property Group Inc

REAL ESTATE · REIT - RETAIL · USA

Simon Property Group, Inc. is a real estate investment trust that invests in shopping malls, outlet centers, and community/lifestyle centers. It is the largest owner of shopping malls in the United States and is headquartered in Indianapolis, Indiana.

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