OXBR
Oxbridge Re Holdings Limited
Insurance - Reinsurance
Market Cap$8M
5Y Perf.-2.0%
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Stock Comparison
OXBR vs RNR
Revenue, margins, valuation, and 5-year total return — side by side.
RNR
RenaissanceRe Holdings Ltd.
Insurance - Reinsurance
Market Cap$12.98B
5Y Perf.+79.2%
OXBR vs RNR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OXBR | RNR |
|---|---|---|
| Industry | Insurance - Reinsurance | Insurance - Reinsurance |
| Market Cap | $8M | $12.98B |
| Revenue (TTM) | $2M | $11.49B |
| Net Income (TTM) | $-3M | $3.09B |
| Gross Margin | -2.5% | 44.6% |
| Operating Margin | -126.8% | 35.5% |
| Forward P/E | — | 7.7x |
| Total Debt | $266K | $2.33B |
| Cash & Equiv. | $2M | $1.73B |
OXBR vs RNR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OXBR
RNR
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Oxbridge Re Holding… (OXBR) | 100 | 98.0 | -2.0% |
| RenaissanceRe Holdi… (RNR) | 100 | 179.2 | +79.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OXBR vs RNR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RNR leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Oxbridge Re Holdings Limited is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
OXBR
Oxbridge Re Holdings Limited
The Insurance Pick
OXBR is the clearest fit if your priority is growth exposure and sleep-well-at-night.
- Rev growth 107.7%, EPS growth 73.4%, 3Y rev CAGR -62.3%
- Lower volatility, beta 2.69, Low D/E 6.5%
- 107.7% revenue growth vs RNR's 9.4%
Best for: growth exposure and sleep-well-at-night
RNR
RenaissanceRe Holdings Ltd.
The Insurance Pick
RNR carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta -0.03, yield 0.6%
- 176.9% 10Y total return vs OXBR's -65.3%
- Better valuation composite
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OXBR | 107.7% revenue growth vs RNR's 9.4% |
| Value | RNR | Better valuation composite |
| Quality / Margins | RNR | Combined ratio 0.7 vs OXBR's 4.0 (lower = better underwriting) |
| Stability / Safety | OXBR | Lower D/E ratio (6.5% vs 12.1%) |
| Dividends | RNR | 0.6% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | RNR | +21.9% vs OXBR's -35.1% |
| Efficiency (ROA) | RNR | 5.7% ROA vs OXBR's -35.1%, ROIC 16.0% vs -33.8% |
OXBR vs RNR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2022
FY 2025
OXBR vs RNR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRNRLAGGINGOXBR
OXBROxbridge Re Holdings …
0leads
RNRRenaissanceRe Holding…
6leads
6 Total Categories
CATEGORYLEADERvs OXBRMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RNR5/6
Valuation MetricsMultiples, price ratios, and targets
RNR2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RNR5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
RNR6/6
Risk & VolatilityBeta, volatility, and downside exposure
RNR2/2
Analyst OutlookRatings, price targets, and dividends
RNR1/1
Income & Cash Flow (Last 12 Months)
RNR leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RNR is the larger business by revenue, generating $11.5B annually — 4742.5x OXBR's $2M. RNR is the more profitable business, keeping 26.9% of every revenue dollar as net income compared to OXBR's -128.4%. On growth, OXBR holds the edge at +2.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | OXBROxbridge Re Holdi… | RNRRenaissanceRe Hol… |
|---|---|---|
| RevenueTrailing 12 months | $2M | $11.5B |
| EBITDAEarnings before interest/tax | -$3M | $4.1B |
| Net IncomeAfter-tax profit | -$3M | $3.1B |
| Free Cash FlowCash after capex | -$2M | $4.2B |
| Gross MarginGross profit ÷ Revenue | -2.5% | +44.6% |
| Operating MarginEBIT ÷ Revenue | -126.8% | +35.5% |
| Net MarginNet income ÷ Revenue | -128.4% | +26.9% |
| FCF MarginFCF ÷ Revenue | -72.8% | +36.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +2.1% | -36.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +77.3% | +100.9% |
RNR leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
RNR leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | OXBROxbridge Re Holdi… | RNRRenaissanceRe Hol… |
|---|---|---|
| Market CapShares × price | $8M | $13.0B |
| Enterprise ValueMkt cap + debt − cash | $6M | $13.6B |
| Trailing P/EPrice ÷ TTM EPS | -2.18x | 5.31x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 7.66x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.18x |
| EV / EBITDAEnterprise value multiple | — | 3.38x |
| Price / SalesMarket cap ÷ Revenue | 13.76x | 1.02x |
| Price / BookPrice ÷ Book value/share | 1.45x | 0.70x |
| Price / FCFMarket cap ÷ FCF | — | 3.51x |
RNR leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
RNR leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
RNR delivers a 16.6% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $-45 for OXBR. OXBR carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to RNR's 0.12x. On the Piotroski fundamental quality scale (0–9), RNR scores 8/9 vs OXBR's 3/9, reflecting strong financial health.
| Metric | OXBROxbridge Re Holdi… | RNRRenaissanceRe Hol… |
|---|---|---|
| ROE (TTM)Return on equity | -45.2% | +16.6% |
| ROA (TTM)Return on assets | -35.1% | +5.7% |
| ROICReturn on invested capital | -33.8% | +16.0% |
| ROCEReturn on capital employed | -20.7% | +10.7% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 8 |
| Debt / EquityFinancial leverage | 0.06x | 0.12x |
| Net DebtTotal debt minus cash | -$2M | $598M |
| Cash & Equiv.Liquid assets | $2M | $1.7B |
| Total DebtShort + long-term debt | $266,000 | $2.3B |
| Interest CoverageEBIT ÷ Interest expense | — | 33.28x |
RNR leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
RNR leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RNR five years ago would be worth $18,705 today (with dividends reinvested), compared to $4,601 for OXBR. Over the past 12 months, RNR leads with a +21.9% total return vs OXBR's -35.1%. The 3-year compound annual growth rate (CAGR) favors RNR at 13.4% vs OXBR's -6.3% — a key indicator of consistent wealth creation.
| Metric | OXBROxbridge Re Holdi… | RNRRenaissanceRe Hol… |
|---|---|---|
| YTD ReturnYear-to-date | -25.2% | +10.6% |
| 1-Year ReturnPast 12 months | -35.1% | +21.9% |
| 3-Year ReturnCumulative with dividends | -17.6% | +45.7% |
| 5-Year ReturnCumulative with dividends | -54.0% | +87.1% |
| 10-Year ReturnCumulative with dividends | -65.3% | +176.9% |
| CAGR (3Y)Annualised 3-year return | -6.3% | +13.4% |
RNR leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
RNR leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RNR is the less volatile stock with a -0.03 beta — it tends to amplify market swings less than OXBR's 2.69 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RNR currently trades 94.5% from its 52-week high vs OXBR's 34.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OXBROxbridge Re Holdi… | RNRRenaissanceRe Hol… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.69x | -0.03x |
| 52-Week HighHighest price in past year | $2.86 | $318.20 |
| 52-Week LowLowest price in past year | $0.66 | $231.17 |
| % of 52W HighCurrent price vs 52-week peak | +34.3% | +94.5% |
| RSI (14)Momentum oscillator 0–100 | 58.9 | 46.9 |
| Avg Volume (50D)Average daily shares traded | 712K | 303K |
RNR leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
RNR leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
RNR is the only dividend payer here at 0.55% yield — a key consideration for income-focused portfolios.
| Metric | OXBROxbridge Re Holdi… | RNRRenaissanceRe Hol… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $308.33 |
| # AnalystsCovering analysts | — | 28 |
| Dividend YieldAnnual dividend ÷ price | — | +0.6% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | — | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +12.3% |
RNR leads this category, winning 1 of 1 comparable metric.
Key Takeaway
RNR leads in 6 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallRenaissanceRe Holdings Ltd. (RNR)Leads 6 of 6 categories
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OXBR vs RNR: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is OXBR or RNR a better buy right now?
For growth investors, Oxbridge Re Holdings Limited (OXBR) is the stronger pick with 107.
7% revenue growth year-over-year, versus 9. 4% for RenaissanceRe Holdings Ltd. (RNR). RenaissanceRe Holdings Ltd. (RNR) offers the better valuation at 5. 3x trailing P/E (7. 7x forward), making it the more compelling value choice. Analysts rate RenaissanceRe Holdings Ltd. (RNR) a "Hold" — based on 28 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — OXBR or RNR?
Over the past 5 years, RenaissanceRe Holdings Ltd.
(RNR) delivered a total return of +87. 1%, compared to -54. 0% for Oxbridge Re Holdings Limited (OXBR). Over 10 years, the gap is even starker: RNR returned +176. 9% versus OXBR's -65. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — OXBR or RNR?
By beta (market sensitivity over 5 years), RenaissanceRe Holdings Ltd.
(RNR) is the lower-risk stock at -0. 03β versus Oxbridge Re Holdings Limited's 2. 69β — meaning OXBR is approximately -8565% more volatile than RNR relative to the S&P 500. On balance sheet safety, Oxbridge Re Holdings Limited (OXBR) carries a lower debt/equity ratio of 6% versus 12% for RenaissanceRe Holdings Ltd. — giving it more financial flexibility in a downturn.
04Which is growing faster — OXBR or RNR?
By revenue growth (latest reported year), Oxbridge Re Holdings Limited (OXBR) is pulling ahead at 107.
7% versus 9. 4% for RenaissanceRe Holdings Ltd. (RNR). On earnings-per-share growth, the picture is similar: Oxbridge Re Holdings Limited grew EPS 73. 4% year-over-year, compared to 60. 8% for RenaissanceRe Holdings Ltd.. Over a 3-year CAGR, RNR leads at 36. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — OXBR or RNR?
RenaissanceRe Holdings Ltd.
(RNR) is the more profitable company, earning 21. 0% net margin versus -323. 1% for Oxbridge Re Holdings Limited — meaning it keeps 21. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RNR leads at 31. 5% versus -297. 6% for OXBR. At the gross margin level — before operating expenses — OXBR leads at 53. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — OXBR or RNR?
In this comparison, RNR (0.
6% yield) pays a dividend. OXBR does not pay a meaningful dividend and should not be held primarily for income.
07Is OXBR or RNR better for a retirement portfolio?
For long-horizon retirement investors, RenaissanceRe Holdings Ltd.
(RNR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 03), 0. 6% yield, +176. 9% 10Y return). Oxbridge Re Holdings Limited (OXBR) carries a higher beta of 2. 69 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (RNR: +176. 9%, OXBR: -65. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between OXBR and RNR?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: OXBR is a small-cap high-growth stock; RNR is a mid-cap deep-value stock. RNR pays a dividend while OXBR does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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