OXBR
Oxbridge Re Holdings Limited
Insurance - Reinsurance
Market Cap$8M
5Y Perf.-2.0%
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Stock Comparison
OXBR vs HRTG
Revenue, margins, valuation, and 5-year total return — side by side.
HRTG
Heritage Insurance Holdings, Inc.
Insurance - Property & Casualty
Market Cap$888M
5Y Perf.+123.5%
OXBR vs HRTG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OXBR | HRTG |
|---|---|---|
| Industry | Insurance - Reinsurance | Insurance - Property & Casualty |
| Market Cap | $8M | $888M |
| Revenue (TTM) | $2M | $842M |
| Net Income (TTM) | $-3M | $149M |
| Gross Margin | -2.5% | 35.7% |
| Operating Margin | -126.8% | 24.9% |
| Forward P/E | — | 6.1x |
| Total Debt | $266K | $141M |
| Cash & Equiv. | $2M | $453M |
OXBR vs HRTG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OXBR
HRTG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Oxbridge Re Holding… (OXBR) | 100 | 98.0 | -2.0% |
| Heritage Insurance … (HRTG) | 100 | 223.5 | +123.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OXBR vs HRTG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HRTG leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. Oxbridge Re Holdings Limited is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. 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.
- Rev growth 107.7%, EPS growth 73.4%, 3Y rev CAGR -62.3%
- 107.7% revenue growth vs HRTG's 11.1%
- Better valuation composite
Best for: growth exposure
HRTG
Heritage Insurance Holdings, Inc.
The Insurance Pick
HRTG carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 0.50, yield 0.0%
- 131.2% 10Y total return vs OXBR's -64.5%
- Lower volatility, beta 0.50, Low D/E 48.6%
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OXBR | 107.7% revenue growth vs HRTG's 11.1% |
| Value | OXBR | Better valuation composite |
| Quality / Margins | HRTG | Combined ratio 0.9 vs OXBR's 4.0 (lower = better underwriting) |
| Stability / Safety | HRTG | Beta 0.50 vs OXBR's 2.69 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | HRTG | +44.8% vs OXBR's -44.8% |
| Efficiency (ROA) | HRTG | 6.2% ROA vs OXBR's -35.1% |
OXBR vs HRTG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2022
Segment breakdown not available.
OXBR vs HRTG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHRTGLAGGINGOXBR
OXBROxbridge Re Holdings …
1leads
HRTGHeritage Insurance Ho…
5leads
6 Total Categories
CATEGORYLEADERvs OXBRMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HRTG5/6
Valuation MetricsMultiples, price ratios, and targets
OXBR2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HRTG5/7
Total Returns1Y, 3Y, 5Y total returns with dividends
HRTG6/6
Risk & VolatilityBeta, volatility, and downside exposure
HRTG2/2
Analyst OutlookRatings, price targets, and dividends
HRTG1/1
Income & Cash Flow (Last 12 Months)
HRTG leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
HRTG is the larger business by revenue, generating $842M annually — 347.6x OXBR's $2M. HRTG is the more profitable business, keeping 17.7% of every revenue dollar as net income compared to OXBR's -128.4%.
| Metric | OXBROxbridge Re Holdi… | HRTGHeritage Insuranc… |
|---|---|---|
| RevenueTrailing 12 months | $2M | $842M |
| EBITDAEarnings before interest/tax | -$3M | $222M |
| Net IncomeAfter-tax profit | -$3M | $149M |
| Free Cash FlowCash after capex | -$2M | $110M |
| Gross MarginGross profit ÷ Revenue | -2.5% | +35.7% |
| Operating MarginEBIT ÷ Revenue | -126.8% | +24.9% |
| Net MarginNet income ÷ Revenue | -128.4% | +17.7% |
| FCF MarginFCF ÷ Revenue | -72.8% | +13.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +2.1% | +0.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +77.3% | +5.0% |
HRTG leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
OXBR leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | OXBROxbridge Re Holdi… | HRTGHeritage Insuranc… |
|---|---|---|
| Market CapShares × price | $8M | $888M |
| Enterprise ValueMkt cap + debt − cash | $6M | $576M |
| Trailing P/EPrice ÷ TTM EPS | -2.22x | 14.29x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 6.07x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.92x |
| EV / EBITDAEnterprise value multiple | — | 6.25x |
| Price / SalesMarket cap ÷ Revenue | 14.04x | 1.09x |
| Price / BookPrice ÷ Book value/share | 1.48x | 3.03x |
| Price / FCFMarket cap ÷ FCF | — | 11.26x |
OXBR leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
HRTG leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
HRTG delivers a 41.4% return on equity — every $100 of shareholder capital generates $41 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 HRTG's 0.49x. On the Piotroski fundamental quality scale (0–9), HRTG scores 6/9 vs OXBR's 3/9, reflecting solid financial health.
| Metric | OXBROxbridge Re Holdi… | HRTGHeritage Insuranc… |
|---|---|---|
| ROE (TTM)Return on equity | -45.2% | +41.4% |
| ROA (TTM)Return on assets | -35.1% | +6.2% |
| ROICReturn on invested capital | -33.8% | — |
| ROCEReturn on capital employed | -20.7% | +3.6% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 6 |
| Debt / EquityFinancial leverage | 0.06x | 0.49x |
| Net DebtTotal debt minus cash | -$2M | -$311M |
| Cash & Equiv.Liquid assets | $2M | $453M |
| Total DebtShort + long-term debt | $266,000 | $141M |
| Interest CoverageEBIT ÷ Interest expense | — | 23.95x |
HRTG leads this category, winning 5 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
HRTG leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HRTG five years ago would be worth $33,472 today (with dividends reinvested), compared to $4,902 for OXBR. Over the past 12 months, HRTG leads with a +44.8% total return vs OXBR's -44.8%. The 3-year compound annual growth rate (CAGR) favors HRTG at 91.5% vs OXBR's -5.6% — a key indicator of consistent wealth creation.
| Metric | OXBROxbridge Re Holdi… | HRTGHeritage Insuranc… |
|---|---|---|
| YTD ReturnYear-to-date | -23.7% | +5.3% |
| 1-Year ReturnPast 12 months | -44.8% | +44.8% |
| 3-Year ReturnCumulative with dividends | -16.0% | +602.2% |
| 5-Year ReturnCumulative with dividends | -51.0% | +234.7% |
| 10-Year ReturnCumulative with dividends | -64.5% | +131.2% |
| CAGR (3Y)Annualised 3-year return | -5.6% | +91.5% |
HRTG leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
HRTG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
HRTG is the less volatile stock with a 0.50 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. HRTG currently trades 89.8% from its 52-week high vs OXBR's 35.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OXBROxbridge Re Holdi… | HRTGHeritage Insuranc… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.69x | 0.50x |
| 52-Week HighHighest price in past year | $2.86 | $31.98 |
| 52-Week LowLowest price in past year | $0.66 | $16.83 |
| % of 52W HighCurrent price vs 52-week peak | +35.0% | +89.8% |
| RSI (14)Momentum oscillator 0–100 | 57.2 | 58.2 |
| Avg Volume (50D)Average daily shares traded | 712K | 283K |
HRTG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
HRTG leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
| Metric | OXBROxbridge Re Holdi… | HRTGHeritage Insuranc… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $39.00 |
| # AnalystsCovering analysts | — | 9 |
| Dividend YieldAnnual dividend ÷ price | — | +0.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | — | $0.00 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.0% |
HRTG leads this category, winning 1 of 1 comparable metric.
Key Takeaway
HRTG leads in 5 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OXBR leads in 1 (Valuation Metrics).
Best OverallHeritage Insurance Holdings… (HRTG)Leads 5 of 6 categories
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OXBR vs HRTG: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is OXBR or HRTG 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 11. 1% for Heritage Insurance Holdings, Inc. (HRTG). Heritage Insurance Holdings, Inc. (HRTG) offers the better valuation at 14. 3x trailing P/E (6. 1x forward), making it the more compelling value choice. Analysts rate Heritage Insurance Holdings, Inc. (HRTG) a "Buy" — based on 9 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 HRTG?
Over the past 5 years, Heritage Insurance Holdings, Inc.
(HRTG) delivered a total return of +234. 7%, compared to -51. 0% for Oxbridge Re Holdings Limited (OXBR). Over 10 years, the gap is even starker: HRTG returned +119. 4% 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 HRTG?
By beta (market sensitivity over 5 years), Heritage Insurance Holdings, Inc.
(HRTG) is the lower-risk stock at 0. 50β versus Oxbridge Re Holdings Limited's 2. 69β — meaning OXBR is approximately 440% more volatile than HRTG relative to the S&P 500. On balance sheet safety, Oxbridge Re Holdings Limited (OXBR) carries a lower debt/equity ratio of 6% versus 49% for Heritage Insurance Holdings, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — OXBR or HRTG?
By revenue growth (latest reported year), Oxbridge Re Holdings Limited (OXBR) is pulling ahead at 107.
7% versus 11. 1% for Heritage Insurance Holdings, Inc. (HRTG). On earnings-per-share growth, the picture is similar: Oxbridge Re Holdings Limited grew EPS 73. 4% year-over-year, compared to 16. 2% for Heritage Insurance Holdings, Inc.. Over a 3-year CAGR, HRTG leads at 9. 0% 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 HRTG?
Heritage Insurance Holdings, Inc.
(HRTG) is the more profitable company, earning 7. 5% net margin versus -323. 1% for Oxbridge Re Holdings Limited — meaning it keeps 7. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HRTG leads at 10. 1% 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 HRTG?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
07Is OXBR or HRTG better for a retirement portfolio?
For long-horizon retirement investors, Heritage Insurance Holdings, Inc.
(HRTG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 50), +119. 4% 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 (HRTG: +119. 4%, 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 HRTG?
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; HRTG is a small-cap deep-value stock. 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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