Oxbridge Re Holdings (OXBR) AI Stock Analysis

• Market Cap: $11.22M
• Dividend Yield: N/A
• Average Volume (3M): 65.88K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.20
• Revenue Growth: N/A
• EPS Growth: 55.30%
• Country: US
• Employees: 3
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): -0.02
• Shares Outstanding: 7,635,922
• 10 Day Avg. Volume: 34,731
• 30 Day Avg. Volume: 65,875
• PEG Ratio: 0.19
• Price to Book (P/B): 6.36
• Price to Sales (P/S): 46.02
• P/FCF Ratio: -20.40
• Enterprise Value/Market Cap: 1.28
• Enterprise Value/Revenue: 5.91
• Enterprise Value/Gross Profit: -234.62
• Enterprise Value/Ebitda: -4.66
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 47 Neutral
• Price Target: $1.50 ▲(10.29% Upside)

Oxbridge Re Holdings faces significant financial challenges, with persistent losses and negative cash flow being the most impactful factors. The technical analysis suggests a bearish trend, and the valuation metrics are unattractive due to negative earnings. While the company's strategic initiatives in the tokenized reinsurance market offer some future potential, the immediate outlook remains challenging.

Positive Factors

Debt-Free Balance Sheet

Having no debt provides Oxbridge Re with financial flexibility and reduces interest obligations, which is beneficial for long-term stability.

Strategic Expansion

The move into tokenized reinsurance through SurancePlus positions the company in a growing market, potentially diversifying revenue streams and enhancing future growth.

Increase in Cash Reserves

An increase in cash reserves enhances liquidity, providing a buffer against operational challenges and enabling strategic investments.

Negative Factors

Persistent Losses

Ongoing losses indicate operational inefficiencies and financial strain, which could hinder the company's ability to invest in growth and maintain operations.

Negative Cash Flow

Negative cash flow suggests difficulties in generating sufficient cash from operations, which can impact the company's ability to fund its activities and investments.

High Combined Ratio

A high combined ratio indicates that the company is spending more on claims and expenses than it earns in premiums, challenging profitability and sustainability.

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 Holdings generates revenue primarily through its reinsurance contracts, where it earns premiums from insurance companies in exchange for providing coverage against specific risks. The company utilizes a diversified portfolio of reinsurance products, including traditional reinsurance and alternative risk transfer solutions. Key revenue streams include the underwriting of property and casualty risks, as well as potential investment income from the premiums collected before claims are paid out. Additionally, strategic partnerships with insurance firms enhance its market presence and contribute to its earnings. The company's financial performance is also influenced by the overall conditions in the insurance market and its ability to accurately assess and price risk.

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	2.42M	546.00K	-7.05M	850.00K	10.22M	1.21M
Gross Profit	-61.00K	292.00K	-7.05M	-333.00K	9.96M	1.12M
EBITDA	-3.07M	-1.62M	-9.37M	-1.74M	8.66M	98.00K
Net Income	-3.11M	-1.76M	-9.91M	-1.75M	8.66M	88.00K
Balance Sheet
Total Assets	8.85M	7.46M	8.25M	16.62M	17.69M	9.08M
Cash, Cash Equivalents and Short-Term Investments	726.00K	2.13M	495.00K	1.21M	3.53M	5.56M
Total Debt	188.00K	266.00K	127.00K	260.00K	351.00K	438.00K
Total Liabilities	1.98M	3.35M	2.92M	1.63M	1.04M	1.06M
Stockholders Equity	6.92M	3.95M	5.33M	14.99M	16.65M	8.03M
Cash Flow
Free Cash Flow	-1.76M	-1.23M	-1.26M	-829.00K	-256.00K	-280.00K
Operating Cash Flow	-1.76M	-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	3.73M	2.60M	1.18M	0.00	-1.00K	-384.00K

Oxbridge Re Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.36
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 1.36 is above the 20-day moving average (MA) of 1.33, below the 50-day MA of 1.60, and below the 200-day MA of 2.00, indicating a bearish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 43.26 is Neutral, neither overbought nor oversold. The STOCH value of 58.20 is Neutral, 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	81 Outperform	$2.67B	6.19	17.62%	―	22.79%	-5.17%
RNR	78 Outperform	$12.22B	7.36	14.98%	0.60%	-3.96%	-48.08%
SPNT	75 Outperform	$2.46B	13.35	8.09%	―	7.87%	-4.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GLRE	64 Neutral	$467.50M	―	-0.28%	―	5.83%	-101.38%
KG	53 Neutral	$114.66M	―	-57.00%	―	-66.75%	-50.53%
OXBR	47 Neutral	$11.22M	-3.38	-50.32%	―	―	55.30%

Oxbridge Re Holdings Corporate Events

Oxbridge Re Reports Strong Tokenized Reinsurance Performance

Oxbridge Re Holdings Limited, based in the Cayman Islands, specializes in providing tokenized reinsurance securities and solutions to property and casualty insurers, leveraging its innovative approach in the reinsurance sector.

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.