OXBR vs HCI

For growth investors, Oxbridge Re Holdings Limited (OXBR) is the stronger pick with 107.

7% revenue growth year-over-year, versus 20. 2% for HCI Group, Inc. (HCI). HCI Group, Inc. (HCI) offers the better valuation at 6. 1x trailing P/E (9. 2x forward), making it the more compelling value choice. Analysts rate HCI Group, Inc. (HCI) a "Buy" — based on 14 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.

Over the past 5 years, HCI Group, Inc.

(HCI) delivered a total return of +105. 3%, compared to -54. 0% for Oxbridge Re Holdings Limited (OXBR). Over 10 years, the gap is even starker: HCI returned +436. 8% 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.

By beta (market sensitivity over 5 years), HCI Group, Inc.

(HCI) is the lower-risk stock at 0. 39β versus Oxbridge Re Holdings Limited's 2. 69β — meaning OXBR is approximately 590% more volatile than HCI relative to the S&P 500. On balance sheet safety, HCI Group, Inc. (HCI) carries a lower debt/equity ratio of 6% versus 6% for Oxbridge Re Holdings Limited — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Oxbridge Re Holdings Limited (OXBR) is pulling ahead at 107.

7% versus 20. 2% for HCI Group, Inc. (HCI). On earnings-per-share growth, the picture is similar: HCI Group, Inc. grew EPS 179. 8% year-over-year, compared to 73. 4% for Oxbridge Re Holdings Limited. Over a 3-year CAGR, HCI leads at 22. 3% 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.

HCI Group, Inc.

(HCI) is the more profitable company, earning 33. 2% net margin versus -323. 1% for Oxbridge Re Holdings Limited — meaning it keeps 33. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HCI leads at 47. 7% versus -297. 6% for OXBR. At the gross margin level — before operating expenses — HCI leads at 73. 2%, 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.

In this comparison, HCI (1.

0% yield) pays a dividend. OXBR does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, HCI Group, Inc.

(HCI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 39), 1. 0% yield, +436. 8% 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 (HCI: +436. 8%, 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.

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.

HCI 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.