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Oxbridge Re Holdings Limited(OXBR)Earnings, Financials & Key Ratios
OXBR•NASDAQ•Insurance & Managed Care
Price updated Jun 19, 2026
AboutOxbridge Re Holdings Limited, together with its subsidiaries, provides specialty property and casualty reinsurance solutions. It underwrites reinsurance contracts primarily for property and casualty insurance companies in the Gulf Coast region of the United States. The company distributes its products and solutions through reinsurance brokers. Oxbridge Re Holdings Limited was incorporated in 2013 and is headquartered in George Town, the Cayman Islands.Show more
- Revenue$3M+372.0%
- Combined Ratio234.38%-41.1%
- Net Income-$3M-96.4%
- Return on Equity-65.36%-74.9%
- Medical Cost Ratio116.18%+149.7%
- Operating Margin-134.38%+54.8%
- Net Margin-134.46%+58.4%
- ROA-44.66%-99.0%
- Equity / Assets80.63%+46.4%
OXBR Key Insights
Oxbridge Re Holdings Limited (OXBR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Trading at only 1.1x book value
✗Weaknesses
- ✗Unprofitable underwriting: 234.4% combined ratio
- ✗High loss ratio of 116.2%
- ✗Shares diluted 21.2% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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OXBR Price & Volume
Oxbridge Re Holdings Limited (OXBR) stock price & volume — 10-year historical chart
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OXBR Growth Metrics
Oxbridge Re Holdings Limited (OXBR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-8.67%
5 Years16.25%
3 Years44.73%
TTM84.01%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-261.04%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM20.9%
Return on Capital
10 Years-19.34%
5 Years-18.98%
3 Years-49.79%
Last Year-54.45%
OXBR Recent Earnings
Oxbridge Re Holdings Limited (OXBR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (40%)●Beat Revenue 1/12 qtrs (20%)
Q2 2026Latest
May 11, 2026Metric
Actual
Est
EPS
$0.00+100.0%
$0.03
Rev
$623,000-11.0%
$700,000
Q2 2026
Mar 30, 2026Metric
Actual
Est
EPS
$0.02+200.0%
$0.02
Rev
$576,000-17.7%
$700,000
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.02-100.0%
$0.01
Rev
$645,000-13.1%
$742,000
Q3 2025
Aug 14, 2025Metric
Actual
Est
EPS
$0.25-2400.0%
$0.01
Rev
$664,000-10.5%
$742,000
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 11, 2026 | $0.00vs $0.03+100.0% | $623,000vs $700,000-11.0% |
| Q2 2026 | Mar 30, 2026 | $0.02vs $0.02+200.0% | $576,000vs $700,000-17.7% |
| Q4 2025 | Nov 6, 2025 | $0.02vs $0.01-100.0% | $645,000vs $742,000-13.1% |
| Q3 2025 | Aug 14, 2025 | $0.25vs $0.01-2400.0% | $664,000vs $742,000-10.5% |
Based on last 12 quarters of dataView full earnings history →
OXBR Peer Comparison
Oxbridge Re Holdings Limited (OXBR) competitors in Property and casualty reinsurers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HRTG | 706.24M | 23.27 | 3.68 | 3.71% | 25.99% | 43.68% | 0.20 | |
 HCI | 2.13B | 163.63 | 6.58 | 20.21% | 32.64% | 30.81% | 0.06 | |
 RNR | 12.91B | 299.17 | 5.28 | 9.45% | 26.93% | 16.59% | 0.12 | |
 ACGL | 32.48B | 91.18 | 7.85 | 14.27% | 22.07% | 19.02% | 0.11 | |
 GLRE | 532.98M | 16.07 | 7.41 | 7.47% | 11.46% | 11.68% | 0.01 | |
 PLMR | 2.96B | 111.70 | 15.58 | 58.16% | 20.15% | 21.74% | 0.01 | |
 AIZ | 12.94B | 259.86 | 14.94 | 7.89% | 7.6% | 17.4% | 0.38 | |
 MMC | 85.27B | 174.06 | 21.28 | 7.57% | 15.6% | 26.87% | 1.62 |
Compare OXBR vs Peers
Oxbridge Re Holdings Limited (OXBR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OXBR Income Statement
Oxbridge Re Holdings Limited (OXBR) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 23.84M | 3.8M | 981K | 1.21M | 10.22M | 850K | -7.05M | 546K | 2.58M | 2.51M |
Revenue Growth % | 25.07% | -84.05% | -74.2% | 23.75% | 742.26% | -91.69% | -929.29% | 107.75% | 371.98% | 84.01% |
Medical Costs & Claims | 43.11M | 10.27M | 64K | 98K | 264K | 1.18M | 0 | 254K | 2.99M | 2.93M |
Medical Cost Ratio % | 180.81% | 270.09% | 6.52% | 8.07% | 2.58% | 139.18% | 0% | 46.52% | 116.18% | 116.75% |
Gross Profit | -19.27M▲ 0% | -6.47M▲ 66.4% | 917K▲ 114.2% | 1.12M▲ 21.7% | 9.96M▲ 792.6% | -333K▼ 103.3% | -7.05M▼ 2016.8% | 292K▲ 104.1% | -417K▼ 242.8% | -420K▲ 0% |
Gross Margin % | -80.81% | -170.09% | 93.48% | 91.93% | 97.42% | -39.18% | 100% | 53.48% | -16.18% | -16.75% |
Gross Profit Growth % | -581.55% | 66.43% | 114.18% | 21.7% | 792.56% | -103.34% | -2016.82% | 104.14% | -242.81% | - |
Operating Expenses | 1.32M | 1.28M | 1.07M | 1.03M | 1.3M | 1.41M | 2.18M | 1.92M | 3.05M | 3.13M |
OpEx / Revenue % | 5.56% | 33.72% | 108.77% | 84.68% | 12.76% | 166.24% | -30.97% | 351.1% | 118.2% | 124.6% |
Depreciation & Amortization | 24K | 18K | 10K | 10K | 7K | 4K | 6K | 3K | 1K | 2K |
Combined Ratio % | 186.37% | 303.81% | 115.29% | 92.75% | 15.34% | 305.41% | -30.97% | 397.62% | 234.38% | 241.35% |
Operating Income | -20.59M▲ 0% | -7.75M▲ 62.4% | -150K▲ 98.1% | 88K▲ 158.7% | 8.66M▲ 9736.4% | -1.75M▼ 120.2% | -9.23M▼ 428.8% | -1.63M▲ 82.4% | -3.46M▼ 113.1% | -3.54M▲ 0% |
Operating Margin % | -86.37% | -203.81% | -15.29% | 7.25% | 84.66% | -205.41% | 130.97% | -297.62% | -134.38% | -141.35% |
Operating Income Growth % | -897.83% | 62.37% | 98.06% | 158.67% | 9736.36% | -120.17% | -428.75% | 82.4% | -113.11% | - |
EBITDA | -20.57M | -7.73M | -140K | 98K | 8.66M | -1.74M | -9.23M | -1.62M | -3.46M | -3.54M |
EBITDA Margin % | -86.27% | -203.34% | -14.27% | 8.07% | 84.72% | -204.94% | 130.88% | -297.07% | -134.34% | -141.27% |
Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 141K | 0 | 0 | 0 |
Pretax Income | -20.59M▲ 0% | -7.75M▲ 62.4% | -150K▲ 98.1% | 88K▲ 158.7% | 8.66M▲ 9736.4% | -1.75M▼ 120.2% | -9.37M▼ 436.8% | -1.63M▲ 82.7% | -3.46M▼ 113.1% | -3.54M▲ 0% |
Pretax Margin % | -86.37% | -203.81% | -15.29% | 7.25% | 84.66% | -205.41% | 132.97% | -297.62% | -134.38% | -141.35% |
Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 542K | 0 | 0 | 0 |
Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 0% | -5.78% | 0% | 0% | 0% |
Net Income | -20.59M▲ 0% | -7.75M▲ 62.4% | -150K▲ 98.1% | 88K▲ 158.7% | 8.66M▲ 9736.4% | -1.75M▼ 120.2% | -9.91M▼ 467.9% | -1.76M▲ 82.2% | -3.46M▼ 96.4% | -3.55M▲ 0% |
Net Margin % | -86.37% | -203.81% | -15.29% | 7.25% | 84.66% | -205.41% | 140.66% | -323.08% | -134.46% | -141.51% |
Net Income Growth % | -897.83% | 62.37% | 98.06% | 158.67% | 9736.36% | -120.17% | -467.87% | 82.21% | -96.43% | -261.04% |
EPS (Diluted) | -3.55▲ 0% | -1.00▲ 71.8% | -0.03▲ 97.4% | 0.02▲ 158.4% | 1.49▲ 9638.6% | -0.61▼ 140.9% | -1.69▼ 177.0% | -0.45▲ 73.4% | -0.28▲ 37.8% | -0.46▲ 0% |
EPS Growth % | -925.58% | 71.83% | 97.38% | 158.4% | 9638.56% | -140.94% | -177.05% | 73.37% | 37.78% | 20.9% |
EPS (Basic) | -3.55 | -1.00 | -0.03 | 0.02 | 1.49 | -0.61 | -1.69 | -0.45 | -0.28 | - |
Diluted Shares Outstanding | 5.8M | 5.73M | 5.73M | 5.73M | 5.74M | 5.77M | 5.87M | 6.1M | 7.39M | 7.8M |
OXBR Balance Sheet
Oxbridge Re Holdings Limited (OXBR) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Assets | 21.39M | 12.56M | 9.49M | 9.08M | 17.69M | 16.62M | 8.25M | 7.46M | 8.05M | 8.74M |
Asset Growth % | -58.05% | -41.28% | -24.41% | -4.34% | 94.75% | -6.07% | -50.33% | -9.55% | 7.88% | 31.16% |
Total Investment Assets | 6.47M | 1.16M | 692K | 787K | 11.75M | 12.06M | 0 | 161K | 0 | 219K |
Long-Term Investments | 6.47M | 1.16M | 692K | 787K | 11.75M | 12.06M | 0 | 161K | 0 | 219K |
Short-Term Investments | 6.47M | 993K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Current Assets | 11.6M | 9.08M | 0 | 0 | 0 | 0 | 5.38M | 0 | 6.98M | 8.19M |
Cash & Equivalents | 7.76M | 8.07M | 5.96M | 5.56M | 3.53M | 1.21M | 495K | 2.13M | 6.98M | 8.19M |
Receivables | 3.84M | 15K | 518K | 465K | 289K | 327K | 977K | 1.06M | 766K | 4.18M |
Other Current Assets | 0 | 0 | -6.56M | -6.1M | -3.87M | -1.67M | 3.91M | -3.19M | -766K | -230K |
Goodwill & Intangibles | 48K | 0 | 0 | 0 | 0 | 0 | 101K | 0 | 102K | 102K |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 48K | 0 | 0 | 0 | 0 | 0 | 101K | 0 | 102K | 0 |
PP&E (Net) | 36K | 18K | 142K | 235K | 144K | 49K | 13K | 149K | 59K | 104K |
Other Assets | 14.89M | 11.39M | -834K | -1.02M | -11.89M | -12.11M | 3.25M | -310K | -102K | 0 |
Total Liabilities | 7.47M | 4.25M | 1.45M | 1.06M | 1.04M | 1.63M | 2.92M | 3.35M | 1.56M | 2.12M |
Total Debt | 0 | 0 | 733K | 438K | 351K | 260K | 127K | 266K | 161K | 1.21M |
Net Debt | -7.76M | -8.07M | -5.23M | -5.12M | -3.18M | -947K | -368K | -1.87M | -6.82M | -6.98M |
Long-Term Debt | 0 | 0 | 600K | 216K | 216K | 216K | 118K | 118K | 118K | 118K |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1M |
Total Current Liabilities | 106K | 139K | 0 | 0 | 0 | 0 | 0 | 0 | 1.4M | 0 |
Accounts Payable | 106K | 139K | 279K | 209K | 337K | 294K | 356K | 0 | 309K | 0 |
Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Current Liabilities | -627K | -139K | -279K | -209K | -337K | -294K | -1.88M | -1.73M | 1.02M | -1M |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 7.47M | 4.25M | -733K | -438K | -351K | -260K | 2.79M | -266K | 0 | 1.92M |
Total Equity | 13.92M▲ 0% | 8.31M▼ 40.3% | 8.04M▼ 3.3% | 8.03M▼ 0.2% | 16.65M▲ 107.5% | 14.99M▼ 10.0% | 5.33M▼ 64.4% | 4.11M▼ 22.9% | 6.49M▲ 58.0% | 6.62M▲ 0% |
Equity Growth % | -62.55% | -40.26% | -3.26% | -0.22% | 107.49% | -9.98% | -64.43% | -22.92% | 57.98% | 209.24% |
Shareholders Equity | 13.92M | 8.31M | 8.04M | 8.03M | 16.65M | 14.99M | 5.33M | 3.95M | 6.43M | 6.54M |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 162K | 59K | 75K |
Retained Earnings | -18.15M | -23.92M | -24.23M | -24.27M | -15.71M | -17.5M | -27.41M | -30.16M | -32.14M | -32.12M |
Common Stock | 6K | 6K | 6K | 6K | 6K | 6K | 6K | 6K | 6K | 6K |
Accumulated OCI | -39K | 2K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Return on Equity (ROE) | -80.62% | -69.71% | -1.83% | 1.1% | 70.16% | -11.04% | -97.58% | -37.36% | -65.36% | -53.63% |
Return on Assets (ROA) | -56.89% | -45.64% | -1.36% | 0.95% | 64.66% | -10.18% | -79.74% | -22.45% | -44.66% | -40.77% |
Equity / Assets | 65.06% | 66.19% | 84.71% | 88.35% | 94.13% | 90.21% | 64.61% | 55.06% | 80.63% | 75.71% |
Debt / Equity | - | - | 0.09x | 0.05x | 0.02x | 0.02x | 0.02x | 0.06x | 0.02x | 0.18x |
Book Value per Share | 2.40 | 1.45 | 1.40 | 1.40 | 2.90 | 2.60 | 0.91 | 0.67 | 0.88 | 0.85 |
Tangible BV per Share | 2.39 | 1.45 | 1.40 | 1.40 | 2.90 | 2.60 | 0.89 | 0.67 | 0.86 | 0.85 |
OXBR Cash Flow Statement
Oxbridge Re Holdings Limited (OXBR) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -26.31M | -6.63M | -4.37M | -266K | -253K | -829K | -1.26M | -1.23M | -1.35M | -1.41M |
Operating CF Growth % | -6424.52% | 74.79% | 34.1% | 93.91% | 4.89% | -227.67% | -51.99% | 2.22% | -9.42% | -3595.99% |
Operating CF / Revenue % | -110.36% | -174.46% | -445.57% | -21.91% | -2.47% | -97.53% | 17.87% | -225.64% | -52.31% | -56.22% |
Net Income | -20.59M | -5.75M | -305K | -50K | 8.56M | -1.79M | -9.91M | -2.73M | -2.08M | -3.55M |
Depreciation & Amortization | 24K | 18K | 10K | 10K | 7K | 4K | 6K | 3K | 1K | 2K |
Stock-Based Compensation | 127K | 126K | 36K | 32K | 61K | 127K | 258K | 234K | 418K | 310K |
Deferred Taxes | 0 | 288K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 222K | -2M | -28K | -219K | -9.16M | 346K | 8.61M | 2.14M | 26K | 128K |
Working Capital Changes | -6.09M | 684K | -4.08M | -39K | 275K | 483K | -216K | -887K | 286K | 68K |
Cash from Investing | 24.98M | 5.04M | 488K | 110K | -1.8M | -661K | -105K | 780K | 120K | 57K |
Capital Expenditures | -6K | 0 | -1K | -14K | -3K | 0 | -5K | 0 | -16K | -16K |
Acquisitions | 0 | 0 | 0 | 0 | 1.8M | 626K | 0 | 0 | 0 | 0 |
Purchase of Investments | -22.65M | -10.91M | -505K | -2.59M | -3.15M | -1.29M | 0 | 0 | 0 | 0 |
Sale/Maturity of Investments | 27.32M | 15.96M | 994K | 2.72M | 1.35M | 626K | 0 | 307K | 136K | 73K |
Other Investing | 20.32M | 5.04M | 0 | 0 | -1.8M | -626K | -100K | 473K | 0 | 0 |
Cash from Financing | -3.15M | 2M | 600K | -384K | -1K | 0 | 1.18M | 2.6M | 2.31M | -56K |
Dividends Paid | -2.09M | -35K | 0 | 0 | -1K | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | -1.06M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.13M | 3.52M | 4.53M |
Debt Issuance (Net) | 0 | 1000K | 600K | -384K | 0 | 0 | 1000K | 1000K | 0 | 0 |
Other Financing | 0 | 0 | 0 | 0 | 1K | 0 | 0 | 0 | -1.21M | -771K |
Net Change in Cash | -4.48M▲ 0% | 412K▲ 109.2% | -3.28M▼ 896.8% | -540K▲ 83.6% | -2.06M▼ 281.1% | -1.49M▲ 27.6% | -183K▲ 87.7% | 2.15M▲ 1273.8% | 1.08M▼ 49.6% | -9.6M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 1K | 0 | 0 | 0 | 0 | -8.19M |
Cash at Beginning | 12.24M | 10.89M | 11.3M | 8.02M | 7.48M | 5.42M | 3.93M | 3.75M | 5.89M | 6.98M |
Cash at End | 7.76M | 11.3M | 8.02M | 7.48M | 5.42M | 3.93M | 3.75M | 5.89M | 6.98M | 0 |
Free Cash Flow | -26.32M▲ 0% | -6.63M▲ 74.8% | -4.37M▲ 34.1% | -280K▲ 93.6% | -256K▲ 8.6% | -829K▼ 223.8% | -1.26M▼ 52.6% | -1.23M▲ 2.6% | -1.36M▼ 10.7% | -1.43M▲ 0% |
FCF Growth % | -6597.78% | 74.79% | 34.09% | 93.6% | 8.57% | -223.83% | -52.59% | 2.61% | -10.71% | -288.38% |
FCF Margin % | -110.38% | -174.46% | -445.67% | -23.06% | -2.5% | -97.53% | 17.95% | -225.64% | -52.93% | -56.86% |
FCF per Share | -4.54 | -1.16 | -0.76 | -0.05 | -0.04 | -0.14 | -0.22 | -0.2 | -0.18 | -0.18 |
OXBR Key Ratios
Oxbridge Re Holdings Limited (OXBR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Combined Ratio | 186.37% | 303.81% | 115.29% | 92.75% | 15.34% | 305.41% | -30.97% | 397.62% | 234.38% | 241.35% |
Medical Cost Ratio | 180.81% | 270.09% | 6.52% | 8.07% | 2.58% | 139.18% | 0% | 46.52% | 116.18% | 116.75% |
Return on Equity (ROE) | -80.62% | -69.71% | -1.83% | 1.1% | 70.16% | -11.04% | -97.58% | -37.36% | -65.36% | -53.63% |
Return on Assets (ROA) | -56.89% | -45.64% | -1.36% | 0.95% | 64.66% | -10.18% | -79.74% | -22.45% | -44.66% | -40.77% |
Equity / Assets | 65.06% | 66.19% | 84.71% | 88.35% | 94.13% | 90.21% | 64.61% | 55.06% | 80.63% | 75.71% |
Book Value / Share | 2.4 | 1.45 | 1.4 | 1.4 | 2.9 | 2.6 | 0.91 | 0.67 | 0.88 | 0.85 |
Debt / Equity | - | - | 0.09x | 0.05x | 0.02x | 0.02x | 0.02x | 0.06x | 0.02x | 0.18x |
Revenue Growth | 25.07% | -84.05% | -74.2% | 23.75% | 742.26% | -91.69% | -929.29% | 107.75% | 371.98% | 84.01% |
Related:OXBR Dividend History·OXBR Revenue History·OXBR Price History·OXBR P/E History·OXBR Financial Ratios·OXBR Institutional Holders
OXBR SEC Filings & Documents
Oxbridge Re Holdings Limited (OXBR) SEC filings — annual & quarterly reports (10-K, 10-Q)
OXBR Frequently Asked Questions
Oxbridge Re Holdings Limited (OXBR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Oxbridge Re Holdings Limited (OXBR) grew revenue by 372.0% over the past year. This is strong growth.
Oxbridge Re Holdings Limited (OXBR) reported a net loss of $3.5M for fiscal year 2025.
Dividend & Returns
Oxbridge Re Holdings Limited (OXBR) has a return on equity (ROE) of -65.4%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Oxbridge Re Holdings Limited (OXBR) has a combined ratio of 234.4%. A ratio above 100% means claims and expenses exceed premiums.