Oxbridge Re Holdings (OXBR)
NASDAQ:OXBR
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Oxbridge Re Holdings
(NASDAQ:OXBR)
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Rating:50Neutral
Price Target:
$0.91
▼(-31.35% Downside)
Action:Reiterated
Date:05/14/26
The score is held down primarily by weak financial performance (losses and negative cash flow) and an unattractive valuation (very high P/E). Partially offsetting this are a relatively low-leverage balance sheet, mixed/neutral technicals, and a more constructive latest earnings call that highlighted improving liquidity and product performance despite underwriting pressure (combined ratio >100%) and softer premiums/revenue.
Positive Factors
Tokenized reinsurance performance
The company’s tokenized reinsurance offerings are outperforming initial targets (balance-yield ahead of goal; high-yield tracking to target). Durable outperformance validates the product design, supports recurring fee and investment margins, and creates a differentiated, scalable revenue stream if adoption continues.
Negative Factors
Negative operating cash flow
Persistent negative operating and free cash flow means the business is not self-funding and must rely on external financing or the balance sheet to operate and grow. Over months, continued cash burn constrains reinvestment in underwriting, marketing, and tokenization scale and raises funding and dilution risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Tokenized reinsurance performance
The company’s tokenized reinsurance offerings are outperforming initial targets (balance-yield ahead of goal; high-yield tracking to target). Durable outperformance validates the product design, supports recurring fee and investment margins, and creates a differentiated, scalable revenue stream if adoption continues.
Read all positive factors
Oxbridge Re Holdings (OXBR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$7.70M
Dividend YieldN/A
Average Volume (3M)65.88K
Price to Earnings (P/E)95.9
Beta (1Y)1.39
Revenue Growth84.01%
EPS Growth19.53%
CountryUS
Employees3
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)-0.25
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 Cap0.09
Enterprise Value/Revenue0.29
Enterprise Value/Gross Profit-1.72
Enterprise Value/Ebitda-0.20
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:May 11, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 17, 2026
Earnings Call Sentiment Neutral
The call presents a mixed but constructive picture: strong performance and validation of the company’s tokenized reinsurance products, a meaningful swing to positive net income, improved investment income and a stronger cash position are notable positives. Offsetting these are declines in net premiums and total revenue, a combined ratio above 100% (indicating underwriting pressure), and rising professional and marketing costs. Management highlights strategic partnerships and plans to expand tokenization into additional assets but also notes regulatory and execution challenges.Positive Updates
Strong tokenized reinsurance performance
Balance-yield token is tracking 25% (5 percentage points ahead of its 20% target) and the high-yield token remains on track toward its 42% target; management emphasizes disciplined underwriting and tokenized structures as differentiated, uncorrelated return sources.
Negative Updates
Decline in net premiums written
Net premiums written fell to $555,000 for the three months ended March 31, 2026 from $595,000 in the prior-year quarter, a decrease of $40,000 or approximately -6.7%, driven by a lower weighted average rate on reinsurance contracts.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong tokenized reinsurance performance
Balance-yield token is tracking 25% (5 percentage points ahead of its 20% target) and the high-yield token remains on track toward its 42% target; management emphasizes disciplined underwriting and tokenized structures as differentiated, uncorrelated return sources.
Read all positive updates
Company Guidance
Management's guidance centered on strong tokenized-reinsurance performance and near-term product targets: as the May 31, 2026 contract season closes the balance‑yield token is tracking roughly 25% versus its original 20% target and the high‑yield token is on track toward a 42% target, and the company is preparing T20 and T42 offerings for the 2026–27 cycle while citing a ~$750 billion global reinsurance TAM and SurancePlus partnerships with Solana, Alphaledger and LayerZero across 160+ blockchains. They also recapped Q1 results and liquidity metrics: net premiums written fell to $555,000 from $595,000, net investment and other income was $68,000 (vs. $29,000 prior), total revenue $623,000 (vs. $692,000), total expenses $583,000 (vs. $578,000), net income $22,000 (basic/diluted EPS ~$0) vs. a $139,000 loss ($0.02 loss per share) a year ago; underwriting metrics showed a 0% loss ratio (unchanged), acquisition cost ratio 11% (from 10.9%), expense amount $105,000 (from $95,800) and a combined ratio of 105% (from 95.8%). On the balance sheet cash and restricted cash increased $1.21 million to $8.19 million (from $6.98 million at 12/31/25), supported in part by $1.0 million of short‑term loan proceeds and premium deposits.Oxbridge Re Holdings Financial Statement Overview
Summary
Income Statement
14
Very Negative
Balance Sheet
58
Neutral
Cash Flow
18
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.51M | 2.58M | 546.00K | -7.05M | 850.00K | 10.22M |
| Gross Profit | -420.00K | -417.00K | 292.00K | -7.05M | -333.00K | 9.96M |
| EBITDA | -3.54M | -3.46M | -1.62M | -9.37M | -1.74M | 8.66M |
| Net Income | -3.55M | -3.46M | -1.76M | -9.91M | -1.75M | 8.66M |
Balance Sheet | ||||||
| Total Assets | 8.74M | 8.05M | 7.46M | 8.25M | 16.62M | 17.69M |
| Cash, Cash Equivalents and Short-Term Investments | 8.19M | 6.98M | 2.13M | 495.00K | 1.21M | 3.53M |
| Total Debt | 1.21M | 161.00K | 266.00K | 127.00K | 260.00K | 351.00K |
| Total Liabilities | 2.12M | 1.56M | 3.35M | 2.92M | 1.63M | 1.04M |
| Stockholders Equity | 6.54M | 6.43M | 3.95M | 5.33M | 14.99M | 16.65M |
Cash Flow | ||||||
| Free Cash Flow | -1.43M | -1.36M | -1.23M | -1.26M | -829.00K | -256.00K |
| Operating Cash Flow | -1.41M | -1.35M | -1.23M | -1.26M | -829.00K | -253.00K |
| Investing Cash Flow | 57.00K | 120.00K | 780.00K | -105.00K | -661.00K | -1.80M |
| Financing Cash Flow | -56.00K | 2.31M | 2.60M | 1.18M | 0.00 | -1.00K |
Oxbridge Re Holdings Technical Analysis
Negative
1.33
Price Trends
0.88
Positive
1.02
Negative
1.36
Negative
Market Momentum
0.02
Positive
52.57
Neutral
53.68
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 1.33 is above the 20-day moving average (MA) of 0.94, above the 50-day MA of 0.88, and below the 200-day MA of 1.36, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 52.57 is Neutral, neither overbought nor oversold. The STOCH value of 53.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OXBR.
Oxbridge Re Holdings Risk Analysis
Oxbridge Re Holdings disclosed 42 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 | $587.38M | 4.06 | 11.68% | ― | 0.10% | 77.35% | |
77 Outperform | $3.21B | 5.67 | 23.38% | ― | 20.32% | 98.92% | |
75 Outperform | $2.78B | 6.15 | 22.02% | ― | 22.94% | 317.95% | |
74 Outperform | $12.92B | 10.75 | 24.71% | 0.57% | -8.19% | 90.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
50 Neutral | $7.70M | 95.87 | -50.32% | ― | 84.01% | 19.53% | |
49 Neutral | $91.54M | -2.82 | 33.48% | ― | 4.38% | ― |
* Financial Sector Average
OXBR
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SPNT
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HG
Hamilton Insurance Group, Ltd. Class B
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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.