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Oxbridge Re Holdings (OXBR)
NASDAQ:OXBR
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Oxbridge Re Holdings
(NASDAQ:OXBR)
45Neutral
Oxbridge Re Holdings (OXBR) vs. S&P 500 (SPY)
Market Cap
$14.65M
Dividend YieldN/A
Average Volume (3M)76.72K
Price to Earnings (P/E)―
Beta (1Y)1.32
Revenue GrowthN/A
EPS Growth73.32%
CountryUS
Employees3
SectorFinancial
Sector Strength87
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)-0.02
Shares Outstanding7,442,922
10 Day Avg. Volume201,746
30 Day Avg. Volume76,717
Financial Highlights & Ratios
PEG Ratio-0.10
Price to Book (P/B)2.56
Price to Sales (P/S)0.00
P/FCF Ratio-9.97
Enterprise Value/Market Cap0.71
Enterprise Value/Revenue-0.60
Enterprise Value/Gross Profit19.07
Enterprise Value/Ebitda-0.62
Forecast
1Y Price Target
$5.00Price Target Upside145.10% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Oxbridge Re Holdings Business Overview & Revenue Model
Company DescriptionOxbridge 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 MoneyOxbridge Re Holdings generates revenue by collecting premiums from insurance companies in exchange for providing reinsurance coverage. The company underwrites reinsurance contracts that are fully collateralized, meaning that the obligations under each contract are secured by collateral, minimizing credit risk. The primary revenue stream for Oxbridge Re Holdings is the reinsurance premiums paid by insurance companies seeking to transfer part of their risk exposure. Additionally, the company may earn investment income from the management of its collateral assets. Key factors contributing to its earnings include the frequency and severity of catastrophic events, the company's underwriting performance, and its investment strategies.
Oxbridge Re Holdings Financial Statement Overview
Summary
Oxbridge Re Holdings faces significant financial challenges, with declining revenues and persistent losses. The company maintains a debt-free status, yet its cash flow is negative, indicating operational inefficiency. The balance sheet shows a solid equity base, but a weakening equity position and fluctuating assets suggest potential liquidity issues.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 | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 546.00K | -7.05M | 850.00K | 10.22M | 1.21M | Gross Profit |
| 546.00K | -7.05M | 850.00K | 10.22M | 1.21M | EBIT |
| -1.63M | -9.23M | -1.75M | 8.66M | 88.00K | EBITDA |
| 0.00 | -9.37M | -1.74M | 8.66M | 98.00K | Net Income Common Stockholders |
| -1.76M | -9.91M | -3.54M | 8.66M | 88.00K |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 5.89M | 495.00K | 1.21M | 3.53M | 5.56M | Total Assets |
| 7.46M | 8.25M | 16.62M | 17.69M | 9.08M | Total Debt |
| 266.00K | 127.00K | 260.00K | 351.00K | 438.00K | Net Debt |
| -1.87M | -368.00K | -947.00K | -3.18M | -5.12M | Total Liabilities |
| 3.35M | 2.92M | 1.63M | 1.04M | 1.06M | Stockholders Equity |
| 3.95M | 5.33M | 14.99M | 16.65M | 8.03M |
| Cash Flow | Free Cash Flow | |||
| -1.23M | -1.26M | -829.00K | -256.00K | -280.00K | Operating Cash Flow |
| -1.23M | -1.26M | -829.00K | -253.00K | -266.00K | Investing Cash Flow |
| 780.00K | -105.00K | -661.00K | -1.80M | 110.00K | Financing Cash Flow |
| 2.60M | 1.18M | 0.00 | -1.00K | -384.00K |
Oxbridge Re Holdings Technical Analysis
Neutral
2.04
Price Trends
2.03
Negative
3.17
Negative
2.95
Negative
Market Momentum
-0.08
Negative
57.97
Neutral
31.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OXBR, the sentiment is Neutral. The current price of 2.04 is above the 20-day moving average (MA) of 1.52, above the 50-day MA of 2.03, and below the 200-day MA of 2.95, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 57.97 is Neutral, neither overbought nor oversold. The STOCH value of 31.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | $12.74B | 9.85 | 7.88% | 17015.07% | 12.17% | -6.02% | |
52 Neutral | $14.56M | 377.44 | 0.21% | 7.97% | 13.39% | -107.74% | |
48 Neutral | $9.11M | 0.39 | -291.99% | ― | -18.97% | ― | |
45 Neutral | $14.65M | ― | -58.75% | ― | ― | 73.32% | |
36 Underperform | $20.92M | ― | -329.16% | ― | ― | -7352.45% | |
35 Underperform | $12.46M | ― | -422.39% | ― | ― | -20.33% |
* Financial Sector Average
Performance Comparison
OXBR
Oxbridge Re Holdings
2.04
0.46
29.11%
GLBZ
Glen Burnie Bancorp
5.02
0.11
2.24%
CNFR
Conifer Holdings
0.74
-0.26
-26.00%
ADGM
Adagio Medical Holdings
1.28
-10.09
-88.74%
BNAI
Brand Engagement Network
0.30
-0.75
-71.43%
GTI
Graphjet Technology
0.10
-5.97
-98.35%
Oxbridge Re Holdings Earnings Call Summary
Earnings Call Date:May 12, 2025
(Q1-2025)
| % Change Since: 3.55%|
Next Earnings Date:Aug 18, 2025
Earnings Call Sentiment Positive
The earnings call presented a generally positive outlook with significant increases in revenue, successful new product launches, and strategic partnerships that indicate strong growth potential. However, the company still faces challenges with a net loss and rising expenses, though these are showing improvement over the previous year.Q1-2025 Updates
Positive Updates
Increase in Net Premium Earned
Net premium earned for Q1 2025 increased to $595,000 from $549,000 in Q1 2024, due to higher rates on contracts.
Positive Revenue Growth
Total revenues for Q1 2025 were $692,000 compared to negative $125,000 in Q1 2024, driven by increased investment income and a realized gain on investment.
Successful Launch of Tokenized Securities
SurancePlus launched DeltaCat Re securities with returns exceeding 49%, surpassing the initial 42% projections.
Increase in Cash and Cash Equivalents
Cash and cash equivalents increased by $3.7 million or 62.8% to $9.6 million from $5.9 million as of December 31, 2024.
Strategic Partnerships and Growth Initiatives
MOU signed with Plume to expand distribution channels for tokenized offerings, enhancing presence within the RWA ecosystem.
Negative Updates
Continued Net Loss
Net loss for Q1 2025 was $439,000, though improved from a net loss of $905,000 in Q1 2024.
Increase in Total Expenses
Total expenses for Q1 2025 increased to $578,000 from $548,000 in Q1 2024, primarily due to stock-based compensation.
Company Guidance
During Oxbridge Re's First Quarter 2025 Earnings Conference Call, the company provided several key financial metrics and future guidance. Net premiums earned for the quarter increased to $595,000, up from $549,000 in the same period in 2024, driven by higher rates on enforced contracts. The company reported total revenues of $692,000, a significant turnaround from a negative $125,000 in the prior year, attributing the improvement to increased investment income and a $35,000 realized gain from the sale of Jet.AI investments. Despite these gains, Oxbridge Re reported a net loss of $439,000, or $0.02 per share, a reduction from a $905,000 loss in the previous year. The loss ratio remained steady at 0%, while the expense ratio improved to 95.8% from 99.8% due to higher net premiums. Cash and cash equivalents rose by $3.7 million to $9.6 million, bolstered by premium deposits and a direct offering. Looking forward, Oxbridge Re plans to expand its tokenized reinsurance offerings, targeting returns of 20% and 42%, alongside strategic partnerships to enhance distribution within the RWA ecosystem.Oxbridge Re Holdings Corporate Events
Private Placements and Financing
Oxbridge Re Holdings Launches Digital Token Offering
Neutral
Feb 27, 2025
On February 26, 2025, Oxbridge Re Holdings Limited announced that its subsidiary, SurancePlus Inc., commenced an offering of digital token-based Participation Shares under a 3-year Participation Share Investment Contract. The proceeds from this offering will be used to purchase participating notes of Oxbridge Re NS, which will be invested in collateralized reinsurance contracts. The offering is exempt from registration under the Securities Act and targets accredited investors in the U.S. and non-U.S. persons under Regulation S.
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.