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Oxbridge Re Holdings
(NASDAQ:OXBR)
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Rating:53Neutral
Price Target:
$0.99
▼(-36.94% Downside)
Action:Reiterated
Date:10/01/26
Overall score reflects mixed financial performance (low leverage and improving cash flow, but ongoing losses and volatility) as the primary driver, plus weak technicals with the stock in a clear downtrend. A high P/E with no dividend support weighs on valuation, while the latest earnings call was a partial offset due to improved profitability, liquidity gains, and tokenization progress despite notable execution and underwriting profitability risks.
Positive Factors
Conservative leverage
Very low leverage gives Oxbridge meaningful financial flexibility and reduces solvency pressure as it develops its reinsurance and tokenization platforms. A stronger equity base can help the company absorb underwriting volatility, support collateral requirements, and fund opportunities without relying heavily on debt.
Negative Factors
Underwriting remains unprofitable
Although loss performance improved sharply, expense and combined ratios still exceed the level required for underwriting profitability. This means the core reinsurance operation has not yet demonstrated sustainable earnings on its own and remains exposed to renewed losses or insufficient premium scale.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
Very low leverage gives Oxbridge meaningful financial flexibility and reduces solvency pressure as it develops its reinsurance and tokenization platforms. A stronger equity base can help the company absorb underwriting volatility, support collateral requirements, and fund opportunities without relying heavily on debt.
Read all positive factors
Oxbridge Re Holdings (OXBR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$9.12M
Dividend Yield9.5%
Average Volume (3M)18.87K
Price to Earnings (P/E)70.9
Beta (1Y)1.83
Revenue Growth40.39%
EPS GrowthN/A
CountryUS
Employees4
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Reinsurance
Share Statistics
EPS (TTM)0.02
Shares Outstanding8,138,577
10 Day Avg. Volume25,013
30 Day Avg. Volume18,873
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 Cap2.34
Enterprise Value/Revenue7.65
Enterprise Value/Gross Profit9.89
Enterprise Value/Ebitda-71.21
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
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.
Read all updates
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
Negative
1.57
Price Trends
1.37
Negative
1.25
Negative
1.15
Negative
Market Momentum
-0.05
Positive
38.48
Neutral
19.42
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 1.57 is above the 20-day moving average (MA) of 1.38, above the 50-day MA of 1.37, and above the 200-day MA of 1.15, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 38.48 is Neutral, neither overbought nor oversold. The STOCH value of 19.42 is Positive, 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $13.53B | 5.55 | 22.68% | 0.50% | -14.15% | 48.57% | |
78 Outperform | $14.12B | 7.84 | 12.43% | 2.17% | -5.12% | 146.14% | |
78 Outperform | $16.29B | 10.83 | 11.29% | 1.51% | 19.54% | 97.85% | |
71 Outperform | $2.84B | 5.88 | 21.84% | 5.06% | 22.55% | 371.77% | |
68 Neutral | $481.46M | 9.83 | 7.28% | ― | -0.85% | 32.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
53 Neutral | $9.12M | 70.89 | -5.66% | 9.50% | 40.39% | ― |
* General Sector Average
OXBR
Oxbridge Re Holdings
1.12
-0.82
-42.27%
EG
Everest Group
368.27
15.28
4.33%
GLRE
Greenlight Capital Re
14.75
2.14
16.97%
RGA
Reinsurance Group
249.41
55.40
28.55%
RNR
Renaissancere Holdings
325.53
60.59
22.87%
SPNT
SiriusPoint
24.42
6.20
34.03%
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.