The earnings call reflects a challenging period for Oxbridge Re, with significant financial losses primarily due to Hurricane Milton and increased expenses. However, the company has made strategic moves to diversify into the tokenized reinsurance market, which could offer future growth opportunities. Despite these efforts, the immediate financial metrics indicate a period of difficulty.

Company Guidance

During Oxbridge Re's Second Quarter 2025 Earnings Call, key financial metrics were discussed, highlighting the company's performance and strategic initiatives. Notably, net premiums earned increased to $582,000 for Q2 2025, up from $564,000 in Q2 2024, while net premiums earned for the first half of 2025 rose to $1.18 million from $1.1 million in the same period the previous year. Despite these gains, total expenses surged to $2.61 million for the quarter compared to $628,000 in Q2 2024, largely due to losses from Hurricane Milton and increased costs associated with human resources, marketing, and legal expenses. Consequently, the company reported a net loss of $1.87 million or $0.25 per share for the quarter ended June 30, 2025, compared to a net loss of $821,000 or $0.14 per share in Q2 2024. The loss ratio escalated to 394% for the quarter, driven by a significant loss of $2.3 million from a reinsurance contract affected by Hurricane Milton, while the combined ratio soared to 621% from 111.3% in the previous year. Additionally, Oxbridge Re's investment portfolio decreased to $104,000 by the end of Q2 2025, but cash and cash equivalents increased by 12.9% to $6.7 million due to premium deposits and a registered direct offering. The company remains optimistic about long-term growth, emphasizing its strategic partnerships and advancements in the tokenized reinsurance market through its subsidiary, SurancePlus, which aims to democratize investment in real-world assets using blockchain technology.

Net Premiums Earned Increase

Net premiums earned for the quarter ended June 30, 2025 increased to $582,000 from $564,000 for the same period in 2024. For the six months ended June 30, 2025, net premiums earned increased to $1.18 million from $1.1 million in 2024.

Expansion into Tokenized Reinsurance Market

Oxbridge Re expanded its business portfolio by establishing SurancePlus Inc., focusing on RWA Web3 technology, democratizing tokenized reinsurance securities, and entering strategic partnerships to position itself in the growing market.

Increase in Cash and Cash Equivalents

Cash and cash equivalents increased by $760,000 or 12.9% to $6.7 million as of June 30, 2025, from $5.9 million as of December 31, 2024, due to premium deposits and a registered direct offering.

Oxbridge Re Holdings (OXBR) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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OXBR Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 18, 2025	2025 (Q3)	-0.02 / -	-0.088	―	―	―
Aug 14, 2025	2025 (Q2)	0.01 / -0.25	-0.137	-82.48% (-0.11)	―
May 12, 2025	2025 (Q1)	-0.02 / -0.02	-0.151	86.75% (+0.13)	―
Mar 26, 2025	2024 (Q4)	- / -0.08	-0.455	82.42% (+0.38)	―
Nov 13, 2024	2024 (Q3)	- / -0.09	-1.244	92.93% (+1.16)	―
Aug 08, 2024	2024 (Q2)	- / -0.14	-0.014	-878.57% (-0.12)	―
May 09, 2024	2024 (Q1)	- / -0.15	0.024	-729.17% (-0.17)	―
Mar 26, 2024	2023 (Q4)	- / -0.46	0.117	-488.89% (-0.57)	―
Nov 14, 2023	2023 (Q3)	- / -1.24	-0.373	-233.51% (-0.87)	―
Aug 14, 2023	2023 (Q2)	- / -0.01	0.013	-207.69% (-0.03)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

OXBR Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 14, 2025	$1.69	$1.66	-1.78%
May 12, 2025	$1.97	$2.04	+3.55%
Mar 26, 2025	$2.10	$1.99	-5.24%
Nov 13, 2024	$2.59	$2.71	+4.63%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Oxbridge Re Holdings (OXBR) report earnings?

Oxbridge Re Holdings (OXBR) is schdueled to report earning on Nov 18, 2025, TBA (Confirmed).

What is Oxbridge Re Holdings (OXBR) earnings time?

Oxbridge Re Holdings (OXBR) earnings time is at Nov 18, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is OXBR EPS forecast?

OXBR EPS forecast for the fiscal quarter 2025 (Q3) is -0.02.

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