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Oxbridge Re Holdings (OXBR)
NASDAQ:OXBR
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Oxbridge Re Holdings
(NASDAQ:OXBR)
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Rating:48Neutral
Price Target:
$2.00
▲(2.04% Upside)
Oxbridge Re Holdings' overall stock score reflects significant financial challenges, including persistent losses and negative cash flow. While technical indicators show mixed signals, the valuation is concerning due to a negative P/E ratio. Strategic initiatives in the tokenized reinsurance market offer potential future growth, but immediate financial metrics indicate a difficult period.
Positive Factors
Expansion into Tokenized Reinsurance
The expansion into tokenized reinsurance through SurancePlus positions Oxbridge Re in a growing market, potentially enhancing long-term revenue streams and diversifying its business model.
Increase in Cash and Cash Equivalents
The increase in cash reserves strengthens Oxbridge Re's liquidity position, providing a buffer against operational challenges and supporting potential future investments.
Debt-Free Balance Sheet
A debt-free balance sheet indicates financial prudence and reduces financial risk, allowing Oxbridge Re to focus on strategic growth opportunities without the burden of debt servicing.
Negative Factors
Significant Increase in Total Expenses
The sharp rise in expenses, driven by external factors like Hurricane Milton, strains profitability and highlights challenges in managing operational costs effectively.
Persistent Net Losses
Ongoing net losses reflect underlying profitability issues, which could hinder Oxbridge Re's ability to invest in growth initiatives and maintain financial stability.
Dramatic Increase in Combined Ratio
A high combined ratio indicates inefficiency in underwriting and claims management, posing a risk to long-term profitability and competitive positioning in the insurance sector.
Oxbridge Re Holdings (OXBR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$14.97M
Dividend YieldN/A
Average Volume (3M)69.33K
Price to Earnings (P/E)―
Beta (1Y)1.18
Revenue GrowthN/A
EPS Growth78.09%
CountryUS
Employees3
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)-0.25
Shares Outstanding7,635,922
10 Day Avg. Volume87,224
30 Day Avg. Volume69,335
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap0.96
Enterprise Value/Revenue7.22
Enterprise Value/Gross Profit-38.27
Enterprise Value/Ebitda-4.93
Forecast
1Y Price Target
$2.00Price Target Upside2.04% Upside
Rating ConsensusHold
Number of Analyst Covering1
Oxbridge Re Holdings Business Overview & Revenue Model
Company DescriptionOxbridge Re Holdings (OXBR) is a specialty insurance and reinsurance company focused on providing innovative risk management solutions. The company operates primarily in the insurance and reinsurance sectors, offering coverage for a variety of risks, including property and casualty insurance. Oxbridge Re develops customized insurance products designed to meet the unique needs of its clients while leveraging advanced analytics and technology to optimize its underwriting processes.
How the Company Makes MoneyOxbridge Re generates revenue primarily through the underwriting of insurance and reinsurance policies. The company earns premiums from clients who purchase insurance coverage, which constitutes a significant portion of its revenue streams. Additionally, Oxbridge Re may receive reinsurance premiums from other insurance companies that seek to mitigate their risk exposure. The company also invests the premiums it collects in various financial instruments, providing another revenue stream through investment income. Furthermore, partnerships with brokers and agents enhance its market reach, enabling Oxbridge Re to identify and secure contracts that contribute to its overall financial performance.
Oxbridge Re Holdings Earnings Call Summary
Earnings Call Date:Aug 14, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Nov 18, 2025
Earnings Call Sentiment Negative
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.Q2-2025 Updates
Positive Updates
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.
Negative Updates
Significant Increase in Total Expenses
Total expenses increased to $2.61 million from $628,000 for the quarter and to $4.18 million from $1.18 million for the six months ended June 30, 2025, primarily due to adverse development from Hurricane Milton, increased human resources costs, and other expenses.
Net Loss for the Quarter and Six Months
Net loss for the quarter ended June 30, 2025 was $1.87 million compared to $821,000 in 2024. For six months ended June 30, 2025, the net loss was $2.01 million compared to $1.73 million in 2024, primarily due to Hurricane Milton's impact.
Dramatic Increase in Combined Ratio
The combined ratio increased to 621% from 111.3% for the quarter ended June 30, 2024, and to 355.5% from 105.7% for the six-month period ended June 30, 2024, primarily due to losses from Hurricane Milton and increased expenses.
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.Oxbridge Re Holdings Financial Statement Overview
Summary
Oxbridge Re Holdings is facing financial difficulties with declining revenues, persistent losses, and negative cash flow. Despite being debt-free, the weakening equity and asset base indicate challenges in sustaining operations without external support.Income Statement
The income statement reveals significant challenges for Oxbridge Re Holdings. Despite a slight revenue recovery in 2024, the company has faced substantial revenue declines over the past years, leading to negative net income and EBIT margins. The gross profit margin is positive but insufficient to offset operating and net losses, indicating persistent profitability issues.40
Negative
Balance Sheet
The balance sheet shows a solid equity base with zero debt in 2024, indicating financial prudence and low leverage. However, the company's equity position has weakened over the years, and asset base has fluctuated. The absence of debt is a positive, but the declining equity ratio suggests potential liquidity concerns.65
Positive
Cash Flow
Cash flow analysis highlights negative free cash flow and operating cash flow, raising concerns about the company's operational efficiency and cash generation ability. Although there was a positive financing cash flow, it primarily reflects external funding rather than operational improvement, indicating ongoing financial strain.35
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.98M | 546.00K | -7.05M | 850.00K | 10.22M | 1.21M |
| Gross Profit | -374.00K | 292.00K | -7.05M | 850.00K | 10.22M | 1.21M |
| EBITDA | -2.90M | -1.62M | -9.37M | -1.74M | 8.66M | 98.00K |
| Net Income | -3.46M | -1.76M | -9.91M | -3.54M | 8.66M | 88.00K |
Balance Sheet | ||||||
| Total Assets | 9.17M | 7.46M | 8.25M | 16.62M | 17.69M | 9.08M |
| Cash, Cash Equivalents and Short-Term Investments | 3.87M | 2.13M | 495.00K | 1.21M | 3.53M | 5.56M |
| Total Debt | 214.00K | 266.00K | 127.00K | 260.00K | 351.00K | 438.00K |
| Total Liabilities | 2.69M | 3.35M | 2.92M | 1.63M | 1.04M | 1.06M |
| Stockholders Equity | 6.55M | 3.95M | 5.33M | 14.99M | 16.65M | 8.03M |
Cash Flow | ||||||
| Free Cash Flow | -1.38M | -1.23M | -1.26M | -829.00K | -256.00K | -280.00K |
| Operating Cash Flow | -1.38M | -1.23M | -1.26M | -829.00K | -253.00K | -266.00K |
| Investing Cash Flow | 395.00K | 780.00K | -105.00K | -661.00K | -1.80M | 110.00K |
| Financing Cash Flow | 3.65M | 2.60M | 1.18M | 0.00 | -1.00K | -384.00K |
Oxbridge Re Holdings Technical Analysis
Negative
1.96
Price Trends
2.01
Negative
1.93
Positive
2.60
Negative
Market Momentum
0.03
Positive
43.85
Neutral
5.00
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OXBR, the sentiment is Negative. The current price of 1.96 is below the 20-day moving average (MA) of 2.21, below the 50-day MA of 2.01, and below the 200-day MA of 2.60, indicating a bearish trend. The MACD of 0.03 indicates Positive momentum. The RSI at 43.85 is Neutral, neither overbought nor oversold. The STOCH value of 5.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OXBR.
Oxbridge Re Holdings Risk Analysis
Oxbridge Re Holdings disclosed 44 risk factors in its most recent earnings report. Oxbridge Re Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Oxbridge Re Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
85 Outperform | $11.80B | 6.39 | 17.69% | 0.63% | 23.19% | -22.42% | |
82 Outperform | $2.45B | 6.53 | 14.87% | ― | 28.86% | -11.22% | |
66 Neutral | $2.14B | 20.40 | 8.06% | ― | -4.56% | -55.48% | |
66 Neutral | $441.50M | 11.79 | 6.73% | ― | 2.18% | -41.11% | |
53 Neutral | $207.48M | -1.05 | ― | ― | -72.34% | -289.97% | |
48 Neutral | $14.97M | ― | -58.30% | ― | ― | 78.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
OXBR
Oxbridge Re Holdings
1.96
-0.82
-29.50%
GLRE
Greenlight Capital Re
12.91
-0.74
-5.42%
KG
Kestrel Group
26.80
-8.60
-24.29%
RNR
Renaissancere Holdings
250.61
-20.05
-7.41%
SPNT
SiriusPoint
18.32
3.98
27.75%
HG
Hamilton Insurance Group, Ltd. Class B
24.64
5.30
27.40%
Oxbridge Re Holdings Corporate Events
Shareholder MeetingsBusiness Operations and Strategy
Oxbridge Re Holdings Expands Share Capital and Governance
Positive
Sep 4, 2025
On August 28, 2025, Oxbridge Re Holdings held an Extraordinary General Meeting where shareholders approved significant changes to the company’s share capital and governance documents. The authorized share capital was increased from 50 million to 500 million shares, reflecting a substantial expansion in the company’s equity capacity. Additionally, the shareholders approved the 2025 Omnibus Incentive Plan and amendments to the company’s Memorandum and Articles of Association, which are expected to enhance the company’s operational flexibility and strategic positioning.
Private Placements and Financing
Oxbridge Re Holdings Signs New Equity Distribution Agreement
Neutral
Jul 10, 2025
On July 9, 2025, Oxbridge Re Holdings Limited entered into an Equity Distribution Agreement with Maxim Group LLC to offer and sell up to $5 million of its ordinary shares. The agreement allows for ‘at-the-market’ offerings and replaces a prior agreement from 2022. The company plans to use the proceeds for general corporate purposes, including funding its reinsurance operations, and will invest the proceeds in short-term, investment-grade instruments or hold them as cash.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.