Oxbridge Re Holdings (OXBR) AI Stock Analysis

• Market Cap: $13.06M
• Dividend Yield: N/A
• Average Volume (3M): 65.88K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.22
• Revenue Growth: N/A
• EPS Growth: 78.09%
• Country: US
• Employees: 3
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): -0.25
• Shares Outstanding: 7,635,922
• 10 Day Avg. Volume: 34,731
• 30 Day Avg. Volume: 65,875
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.10
• Enterprise Value/Revenue: 7.22
• Enterprise Value/Gross Profit: -38.27
• Enterprise Value/Ebitda: -4.93
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 41 Neutral
• Price Target: $1.50 ▼(-1.32% Downside)

Oxbridge Re Holdings faces significant financial challenges, with declining revenues, persistent losses, and negative cash flow. Technical indicators suggest bearish momentum, and the valuation is unattractive due to a negative P/E ratio and no dividend yield. While strategic initiatives in the tokenized reinsurance market offer potential, immediate financial difficulties overshadow these efforts.

Positive Factors

Debt-Free Status

Maintaining a debt-free status provides financial flexibility and reduces risk, allowing the company to navigate challenging periods without the burden of interest obligations.

Strategic Expansion

The expansion into the tokenized reinsurance market through SurancePlus positions Oxbridge Re for future growth by tapping into innovative financial technologies and broadening its market reach.

Increase in Cash Reserves

An increase in cash reserves enhances liquidity, providing the company with the ability to invest in growth opportunities and cushion against unexpected financial challenges.

Negative Factors

Declining Revenue

Persistent revenue declines undermine the company's ability to generate profits and sustain operations, posing a long-term challenge to financial stability and growth.

Negative Cash Flow

Negative cash flow indicates operational inefficiencies and challenges in generating sufficient cash from core activities, which can hinder the company's ability to invest in growth and meet financial obligations.

High Expense Growth

Rapid expense growth, driven by factors like Hurricane Milton, strains profitability and highlights potential issues in cost management, impacting long-term financial health.

Oxbridge Re Holdings Business Overview & Revenue Model

Company Description

Oxbridge Re Holdings Limited, together with its subsidiaries, provides specialty property and casualty reinsurance solutions. It underwrites reinsurance contracts primarily for property and casualty insurance companies in the Gulf Coast region of the United States. The company distributes its products and solutions through reinsurance brokers. Oxbridge Re Holdings Limited was incorporated in 2013 and is headquartered in George Town, the Cayman Islands.

How the Company Makes Money

Oxbridge 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 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.

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.

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.

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

• Technical Analysis Sentiment: Negative
• Last Price: 1.52
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 1.52 is below the 20-day moving average (MA) of 1.85, below the 50-day MA of 1.97, and below the 200-day MA of 2.43, indicating a bearish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 35.61 is Neutral, neither overbought nor oversold. The STOCH value of 6.78 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OXBR.

Oxbridge Re Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HG	82 Outperform	$2.43B	6.46	15.86%	―	28.86%	-11.22%
RNR	81 Outperform	$11.70B	6.34	18.75%	0.66%	23.19%	-22.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SPNT	65 Neutral	$2.07B	20.03	4.82%	―	-4.56%	-55.48%
GLRE	61 Neutral	$415.51M	11.24	5.82%	―	2.18%	-41.11%
KG	53 Neutral	$197.03M	―	-67.34%	―	-72.34%	-289.97%
OXBR	41 Neutral	$13.06M	―	-58.30%	―	―	78.09%

Oxbridge Re Holdings Corporate Events

Oxbridge Re Holdings Announces New Prospectus Supplement

On September 16, 2025, Oxbridge Re Holdings Limited announced a prospectus supplement to its Registration Statement, allowing the sale of $2,021,889 in ordinary shares through an agreement with Maxim Group LLC. Previously, the company sold $4.58 million in shares over the past year, leaving $1,672,714 available for sale under the new prospectus, which does not constitute an offer to sell in states where it would be unlawful.

The most recent analyst rating on (OXBR) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on Oxbridge Re Holdings stock, see the OXBR Stock Forecast page.

Oxbridge Re Holdings Expands Share Capital and Governance

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.

The most recent analyst rating on (OXBR) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on Oxbridge Re Holdings stock, see the OXBR Stock Forecast page.

Oxbridge Re’s Earnings Call: Challenges and Future Prospects

Oxbridge Re Holdings Ltd recently held its earnings call, revealing a challenging period marked by significant financial losses. The primary cause of these losses was Hurricane Milton, which led to increased expenses. Despite these setbacks, the company is making strategic moves to diversify into the tokenized reinsurance market, potentially offering future growth opportunities. However, the current financial metrics underscore a period of difficulty for the company.

Oxbridge Re Reports Growth Amid Tokenized Market Expansion

Oxbridge Re Holdings Limited is a Cayman Islands-based company specializing in tokenized reinsurance securities and solutions for property and casualty insurers, leveraging blockchain technology through its subsidiary SurancePlus. In its latest earnings report, Oxbridge Re Holdings highlighted significant growth in its tokenized reinsurance market and strategic partnerships, despite reporting a net loss for the quarter. The company has expanded its strategic partnerships, notably with the Midnight Foundation, to enhance its blockchain-enabled RWA offerings. Financially, Oxbridge Re reported an increase in net premiums earned but faced a net loss due to adverse developments from Hurricane Milton, leading to increased expenses and a higher combined ratio. Looking forward, Oxbridge Re remains committed to capturing growth opportunities through innovation and strategic alliances, positioning itself at the forefront of blockchain-enabled reinsurance solutions.