Oxbridge Re Holdings (OXBR) AI Stock Analysis

• Market Cap: $9.52M
• Dividend Yield: N/A
• Average Volume (3M): 65.88K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.59
• 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: 7,676,122
• 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: 1.50
• 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: 45 Neutral
• Price Target: $1.50 ▲(26.05% Upside)

The overall stock score of 45 reflects significant financial challenges, including declining revenues and negative cash flow. Technical indicators suggest a bearish trend, and valuation metrics are unattractive due to ongoing losses. The lack of earnings call data and corporate events further limits positive influences on the score.

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 (OXBR) is a Bermuda-based reinsurance company that operates primarily in the property and casualty sector. The company focuses on providing reinsurance solutions, which involve underwriting and managing risks associated with various insurance policies. Oxbridge Re offers products and services to insurance companies seeking to mitigate risk and enhance their financial stability through reinsurance agreements.

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: 1.19
• 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 1.19 is below the 20-day moving average (MA) of 1.35, below the 50-day MA of 1.43, and below the 200-day MA of 1.79, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 34.81 is Neutral, neither overbought nor oversold. The STOCH value of <0.01 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	$2.79B	6.49	17.62%	―	22.79%	-5.17%
RNR	78 Outperform	$13.01B	7.82	14.98%	0.57%	-3.96%	-48.08%
SPNT	76 Outperform	$2.64B	14.22	8.09%	―	7.87%	-4.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GLRE	63 Neutral	$493.76M	-311.21	-0.28%	―	5.83%	-101.38%
KG	53 Neutral	$81.52M	-0.53	-57.00%	―	-66.75%	-50.53%
OXBR	45 Neutral	$9.52M	-3.20	-50.32%	―	―	55.30%

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.