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Oxbridge Re Holdings
(NASDAQ:OXBR)
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Rating:56Neutral
Price Target:
$1.50
▼(-4.46% Downside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by mixed financial performance: low leverage and improving revenue/cash flow are offset by ongoing TTM net losses and volatile results. Technicals add moderate support with the stock trading above key moving averages. Valuation is the biggest drag due to the very high P/E and lack of dividend yield. Earnings-call tone was constructive with profitability improvement and tokenization traction, while recent corporate actions modestly improve flexibility but may add dilution risk.
Positive Factors
Tokenized reinsurance performance
Outperformance of the tokenized reinsurances validates a differentiated, uncorrelated product that can attract third-party capital and scale underwriting capacity. Sustained token yields support durable fee and underwriting economics and offer an alternative funding channel less tied to traditional reinsurance cycles.
Negative Factors
Sustained operating losses
Persistent net losses indicate the company’s core underwriting and investment mix has not generated sustainable profitability. Over time continued losses erode equity, limit reinsurance capacity growth, and increase dependence on external capital, impairing the firm’s ability to scale and withstand catastrophe cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Tokenized reinsurance performance
Outperformance of the tokenized reinsurances validates a differentiated, uncorrelated product that can attract third-party capital and scale underwriting capacity. Sustained token yields support durable fee and underwriting economics and offer an alternative funding channel less tied to traditional reinsurance cycles.
Read all positive factors
Oxbridge Re Holdings (OXBR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$10.34M
Dividend YieldN/A
Average Volume (3M)65.88K
Price to Earnings (P/E)80.4
Beta (1Y)1.76
Revenue Growth40.39%
EPS GrowthN/A
CountryUS
Employees4
SectorFinancial
Sector Strength70
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)0.02
Shares Outstanding8,138,577
10 Day Avg. Volume34,731
30 Day Avg. Volume65,875
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)1.52
Price to Sales (P/S)3.79
P/FCF Ratio-7.15
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)-0.02
Revenue Forecast (FY)$2.60M
Oxbridge Re Holdings Business Overview & Revenue Model
Company Description
Oxbridge Re Holdings Limited, through its subsidiaries, provides specialty property and casualty reinsurance solutions. The company underwrites collateralized reinsurance contracts primarily for property and casualty insurance companies in the Gul...
How the Company Makes Money
Oxbridge Re Holdings makes money primarily through its reinsurance operations and related risk-transfer structures. (1) Reinsurance underwriting income: The company earns premium revenue by entering into reinsurance contracts (typically property c...
Oxbridge Re Holdings Earnings Call Summary
Earnings Call Date:Aug 13, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 17, 2026
Earnings Call Sentiment Positive
The call conveyed meaningful operational and strategic progress: a clear profitability turnaround, substantial expense reductions, improved underwriting metrics (loss ratio to 0%), successful tokenized reinsurance issuance and outperformance versus targets, a sizable increase in restricted cash, and the strategic launch of AI GridWorks with an experienced team. Offsetting risks include declines in net premiums earned and investment income, elevated expense/combined ratios that remain above 100% (so underwriting is not yet independently profitable), modest absolute net income, and execution/regulatory risks tied to the tokenization and RWA expansion. Overall, positives — particularly the tokenization traction, liquidity build, and cost control — outweigh the lowlights in this quarter.Positive Updates
Profitability Turnaround
Net income for Q2 2026 was $176,000 (EPS $0.02) vs. a net loss of $1.87M (loss $0.25/share) in Q2 2025; net income for the six months ended June 30, 2026 was $198,000 (EPS $0.02) vs. a net loss of $2.01M (loss $0.28/share) prior year. Improvement driven primarily by no underwriting losses, lower loss & loss adjustment expenses, SurancePlus management fee income, and reduced professional fees and compensation.
Negative Updates
Decline in Net Premiums Earned
Net premiums earned decreased to $368,000 for the quarter (from $582,000, ≈36.8% decrease) and $924,000 for the six months (from $1.1M, ≈16.0% decrease), attributed to a lower weighted average rate on reinsurance contracts and lower capital deployed into reinsurance during the periods.
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Q2-2026 Updates
Positive
Negative
Profitability Turnaround
Net income for Q2 2026 was $176,000 (EPS $0.02) vs. a net loss of $1.87M (loss $0.25/share) in Q2 2025; net income for the six months ended June 30, 2026 was $198,000 (EPS $0.02) vs. a net loss of $2.01M (loss $0.28/share) prior year. Improvement driven primarily by no underwriting losses, lower loss & loss adjustment expenses, SurancePlus management fee income, and reduced professional fees and compensation.
Read all positive updates
Company Guidance
Management's forward guidance emphasized growing SurancePlus and launching AI GridWorks, with concrete targets and scale metrics: SurancePlus has issued ~1.27M tokenized securities raising >$16M in cumulative gross proceeds and backing >$31M of deployed capital, and for the 2025/26 treaty year EtaCat Re and ZetaCat Re (targeted 20% and 42%) actually delivered annualized returns of 29.3% and 43.4%; for the 2026/27 period the company closed five tokenized offerings raising $7.1M (T20 and T42‑2027 targeting 26% and 32% annual returns, assuming no underwriting losses) and launched three third‑party HCI/Fortex Re offerings targeting 242%, 122% and 17%; AI GridWorks will pursue 10–100 MW projects (initial focus ~50 MW) leveraging a team that has originated ~3 GW of powered land and 2.5 GW of data‑center capacity at Meta, and management plans to use SurancePlus RWA tokenization (plus bank financing or asset sales) to finance and fractionalize AI infrastructure; company liquidity and operating context cited $19.82M restricted cash as of 6/30/2026 (up $12.85M since 12/31/2025), Q2 net income $176K ($0.02/share) vs prior‑year Q loss $1.87M ($0.25/share), six‑month net income $198K ($0.02) vs prior six‑month loss $2.01M ($0.28), Q2 revenue $940K (six months $1.5M), net premiums Q2 $368K (down from $582K), net investment income Q2 $71K (vs $93K prior), and materially improved underwriting metrics (loss ratio 0% vs 394% prior Q, acquisition ratio ~12%, expense ratio 175.8%, combined ratio 175.8%), with management stressing disciplined execution and multiple financing levers.Oxbridge Re Holdings Financial Statement Overview
Summary
Income Statement
32
Negative
Balance Sheet
78
Positive
Cash Flow
46
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.78M | 2.58M | 546.00K | -7.05M | 850.00K | 10.22M |
| Gross Profit | 2.15M | -417.00K | 292.00K | -7.05M | -333.00K | 9.96M |
| EBITDA | -299.00K | -3.46M | -1.62M | -9.37M | -1.74M | 8.66M |
| Net Income | -553.00K | -3.46M | -1.76M | -9.91M | -1.75M | 8.66M |
Balance Sheet | ||||||
| Total Assets | 20.37M | 8.05M | 7.46M | 8.25M | 16.62M | 17.69M |
| Cash, Cash Equivalents and Short-Term Investments | 7.80M | 6.98M | 2.13M | 495.00K | 1.21M | 3.53M |
| Total Debt | 180.00K | 161.00K | 266.00K | 127.00K | 260.00K | 351.00K |
| Total Liabilities | 1.02M | 1.56M | 3.35M | 2.92M | 1.63M | 1.04M |
| Stockholders Equity | 19.16M | 6.43M | 3.95M | 5.33M | 14.99M | 16.65M |
Cash Flow | ||||||
| Free Cash Flow | 478.00K | -1.36M | -1.23M | -1.26M | -829.00K | -256.00K |
| Operating Cash Flow | 494.00K | -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 | 12.62M | 2.31M | 2.60M | 1.18M | 0.00 | -1.00K |
Oxbridge Re Holdings Technical Analysis
Neutral
1.57
Price Trends
1.34
Negative
1.12
Positive
1.14
Positive
Market Momentum
-0.02
Positive
45.03
Neutral
17.25
Positive
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 1.57 is above the 20-day moving average (MA) of 1.34, above the 50-day MA of 1.34, and above the 200-day MA of 1.14, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 45.03 is Neutral, neither overbought nor oversold. The STOCH value of 17.25 is Positive, 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 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $13.78B | 5.64 | 22.68% | 0.49% | -14.15% | 48.57% | |
78 Outperform | $14.56B | 8.04 | 12.43% | 2.08% | -5.12% | 146.14% | |
78 Outperform | $16.10B | 10.69 | 11.29% | 1.56% | 19.54% | 97.85% | |
76 Outperform | $2.79B | 5.80 | 21.84% | ― | 22.55% | 371.77% | |
70 Outperform | $502.68M | 10.27 | 7.28% | ― | 0.10% | 77.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $10.34M | 80.38 | -53.70% | ― | 40.39% | ― |
* Financial Sector Average
OXBR
Oxbridge Re Holdings
1.27
-0.87
-40.65%
EG
Everest Group
377.66
45.97
13.86%
GLRE
Greenlight Capital Re
15.41
2.29
17.45%
RGA
Reinsurance Group
246.02
55.93
29.42%
RNR
Renaissancere Holdings
330.41
90.41
37.67%
SPNT
SiriusPoint
24.07
5.66
30.74%
Oxbridge Re Holdings Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Oxbridge Re Establishes New At-The-Market Sales Agreement
Positive
Jun 22, 2026
On June 22, 2026, Oxbridge Re Holdings entered into a new at-the-market sales agreement with Chardan Capital Markets, allowing the company to sell ordinary shares from time to time through the sales agent, replacing a prior arrangement with Maxim ...
Executive/Board ChangesShareholder Meetings
Oxbridge Re Shareholders Reelect Board, Approve Auditor, Pay
Positive
Jun 16, 2026
On June 12, 2026, Oxbridge Re Holdings’ shareholders held their 2026 annual meeting, where they re-elected five directors—Sanjay Madhu, Arun Gowda, Dwight Merren, Wrendon Timothy, and Lesley Thompson—to serve on the board until t...
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.