Oxbridge Re Holdings (OXBR)
NASDAQ:OXBR
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Oxbridge Re Holdings
(NASDAQ:OXBR)
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Rating:46Neutral
Price Target:
$1.00
▼(-24.81% Downside)
Action:ReiteratedDate:05/01/26
The score is primarily held down by weak financial performance—multi-year net losses and persistent negative operating/free cash flow—despite low leverage. Technicals show a near-term bounce but not a full long-term trend reversal, while the earnings call and recent events add risk due to severe underwriting deterioration and high-cost, asset-backed financing.
Positive Factors
Low leverage / conservative balance sheet
Very low reported debt provides durable financial flexibility and reduces immediate solvency risk, allowing the company to absorb underwriting volatility, pursue tokenization initiatives, and fund operations without high interest burdens. This structural strength supports runway over coming quarters even if losses persist.
Negative Factors
Persistent negative operating and free cash flow
Consistent operating and free cash flow deficits are a durable structural weakness that increases reliance on external financing or asset sales, elevating funding risk over the next several quarters and constraining reinvestment capacity even if revenue recovers temporarily.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage / conservative balance sheet
Very low reported debt provides durable financial flexibility and reduces immediate solvency risk, allowing the company to absorb underwriting volatility, pursue tokenization initiatives, and fund operations without high interest burdens. This structural strength supports runway over coming quarters even if losses persist.
Read all positive factors
Oxbridge Re Holdings (OXBR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$7.94M
Dividend YieldN/A
Average Volume (3M)65.88K
Price to Earnings (P/E)―
Beta (1Y)1.55
Revenue Growth371.98%
EPS Growth37.76%
CountryUS
Employees3
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)-0.27
Shares Outstanding8,101,374
10 Day Avg. Volume34,731
30 Day Avg. Volume65,875
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.52
Price to Sales (P/S)3.79
P/FCF Ratio-7.15
Enterprise Value/Market Cap0.13
Enterprise Value/Revenue0.41
Enterprise Value/Gross Profit-2.97
Enterprise Value/Ebitda-0.30
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.05
Revenue Forecast (FY)$4.60M
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 ...
How the Company Makes Money
OXBR makes money primarily through its reinsurance operations. Its main revenue stream is premiums earned from reinsurance contracts, where it assumes specified insurance risks from cedents in exchange for premium income. Profitability depends on ...
Oxbridge Re Holdings Earnings Call Summary
Earnings Call Date:Mar 30, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 11, 2026
Earnings Call Sentiment Negative
The call presented meaningful progress on Oxbridge's tokenized reinsurance platform, notable revenue growth, an improved quarter with a return to quarterly profitability, a stronger cash position, and expansion across blockchain ecosystems with exploration of new tokenization opportunities. However, these positives were offset by severe underwriting stress and rising operating costs driven largely by Hurricane Milton-related losses and increased professional and tokenization expenses. Key underwriting metrics (loss, expense and combined ratios) deteriorated materially, and the company remained net-loss making for the full year despite an improvement versus the prior year. Given the substantial and persistent underwriting and expense-related weaknesses despite platform and liquidity gains, the negatives outweigh the positives.Positive Updates
Material Year-over-Year Revenue Increase
Total revenues for fiscal year 2025 were $2.58 million versus $546,000 in fiscal 2024, an increase of approximately 372.7%. Quarterly total revenue for the three months ended December 31, 2025 was $576,000 versus $422,000 in the prior-year quarter, up ~36.5%.
Negative Updates
Significant Underwriting Losses Driven by Hurricane Milton
Losses recognized on reinsurance contracts affected by Hurricane Milton (a 2024 event) materially increased underwriting losses in FY 2025. Management indicated underwriting losses were allocated to token holders, contributing substantially to higher loss measures and expense recognition.
Read all updates
Q4-2025 Updates
Positive
Negative
Material Year-over-Year Revenue Increase
Total revenues for fiscal year 2025 were $2.58 million versus $546,000 in fiscal 2024, an increase of approximately 372.7%. Quarterly total revenue for the three months ended December 31, 2025 was $576,000 versus $422,000 in the prior-year quarter, up ~36.5%.
Read all positive updates
Company Guidance
Management's guidance for the 2026–2027 contract cycle reiterated target returns of 20% (T20) and 42% (T42); they reported the balance‑yield token is "tracking 25% ahead of its 20% target" while the high‑yield token is tracking its 42% target and said El Niño may support a favorable risk environment. They highlighted a strong liquidity position—cash and restricted cash of about $6.9–7.0M (investment portfolio $0 from $113K prior)—and provided operating metrics including quarterly net premiums earned of $555K (down from $595K), annual net premiums ≈ $2.3M, quarterly total revenue $576K (vs $422K) and FY total revenue $2.58M (vs $546K), quarterly net income $120K ($0.02/share) vs prior quarter loss $460K ($0.05/share) and FY net loss $2.08M ($0.28/share) vs $2.73M ($0.45/share); underwriting ratios showed acquisition ratio steady at 11%, loss ratio 80.9% (FY loss ratio up 119.9%), expense ratio 106.7% quarterly (144.2% FY) and combined ratio 187.6% quarterly (264% FY).Oxbridge Re Holdings Financial Statement Overview
Summary
Income Statement
22
Negative
Balance Sheet
62
Positive
Cash Flow
18
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.58M | 546.00K | -7.05M | 850.00K | 10.22M |
| Gross Profit | -417.00K | 292.00K | -7.05M | -333.00K | 9.96M |
| EBITDA | -3.46M | -1.62M | -9.37M | -1.74M | 8.66M |
| Net Income | -3.46M | -1.76M | -9.91M | -1.75M | 8.66M |
Balance Sheet | |||||
| Total Assets | 8.05M | 7.46M | 8.25M | 16.62M | 17.69M |
| Cash, Cash Equivalents and Short-Term Investments | 6.98M | 2.13M | 495.00K | 1.21M | 3.53M |
| Total Debt | 161.00K | 266.00K | 127.00K | 260.00K | 351.00K |
| Total Liabilities | 1.56M | 3.35M | 2.92M | 1.63M | 1.04M |
| Stockholders Equity | 6.43M | 3.95M | 5.33M | 14.99M | 16.65M |
Cash Flow | |||||
| Free Cash Flow | -1.36M | -1.23M | -1.26M | -829.00K | -256.00K |
| Operating Cash Flow | -1.35M | -1.23M | -1.26M | -829.00K | -253.00K |
| Investing Cash Flow | 120.00K | 780.00K | -105.00K | -661.00K | -1.80M |
| Financing Cash Flow | 2.31M | 2.60M | 1.18M | 0.00 | -1.00K |
Oxbridge Re Holdings Technical Analysis
Neutral
1.33
Price Trends
0.95
Negative
1.11
Negative
1.49
Negative
Market Momentum
-0.06
Positive
43.57
Neutral
49.72
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 1.33 is above the 20-day moving average (MA) of 0.84, above the 50-day MA of 0.95, and below the 200-day MA of 1.49, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 43.57 is Neutral, neither overbought nor oversold. The STOCH value of 49.72 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $3.05B | 5.67 | 22.09% | ― | 20.32% | 98.92% | |
77 Outperform | $12.83B | 10.75 | 24.71% | 0.57% | -8.19% | 90.81% | |
76 Outperform | $2.75B | ― | 21.42% | ― | 23.09% | 279.95% | |
72 Outperform | $590.36M | 4.06 | 11.10% | ― | 0.10% | 77.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | $86.32M | -1.12 | 33.48% | ― | -16.26% | ― | |
46 Neutral | $7.94M | -4.29 | -50.32% | ― | 371.98% | 37.76% |
* Financial Sector Average
OXBR
Oxbridge Re Holdings
0.97
-0.68
-41.21%
GLRE
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17.86
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KG
Kestrel Group
11.87
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-50.54%
RNR
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300.16
49.81
19.89%
SPNT
SiriusPoint
23.45
4.18
21.69%
HG
Hamilton Insurance Group, Ltd. Class B
30.86
11.57
60.00%
Oxbridge Re Holdings Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Oxbridge Re Secures High-Interest Asset-Backed Financing
Negative
Feb 13, 2026
On February 11, 2026, Oxbridge Re Holdings Limited entered into a promissory note with Real World Digital Assets LLC to borrow $1,000,000, with proceeds funded on February 12, 2026 for working capital and general corporate purposes. The six‑...
Business Operations and StrategyPrivate Placements and FinancingProduct-Related Announcements
Oxbridge Re Launches Digital-Token Reinsurance Investment Offering
Positive
Feb 10, 2026
On February 10, 2026, Oxbridge Re Holdings’ subsidiary SurancePlus Inc. launched an offering of up to 2 million digital-token Participation Shares under a three-year Participation Share Investment Contract, labeled balanced yield “T20-...
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.