Oxbridge Re Holdings Limited(OXBR)Earnings, Financials & Key Ratios
OXBR•NASDAQ•Insurance & Managed Care
$1.00
$8M mkt cap·Price updated May 6, 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$546K+107.7%
- Combined Ratio397.62%+1383.9%
- Net Income-$2M+82.2%
- Return on Equity-37.36%+61.7%
- Medical Cost Ratio46.52%
- Operating Margin-297.62%-327.2%
- Net Margin-323.08%-329.7%
- ROA-22.45%+71.9%
- Equity / Assets55.06%-14.8%
- Book Value per Share0.67-25.8%
- Tangible BV/Share0.67-24.4%
- Debt/Equity0.06+171.7%
OXBR Key Insights
Oxbridge Re Holdings Limited (OXBR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Low loss ratio of 46.5%
- ✓Trading at only 1.5x book value
✗Weaknesses
- ✗Unprofitable underwriting: 397.6% combined ratio
- ✗Weak Piotroski F-Score: 3/9
- ✗Weak momentum: RS Rating 15 (bottom 15%)
- ✗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.
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-20.71%
5 Years-11.06%
3 Years-62.34%
TTM236.05%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM22.07%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM56.42%
Return on Capital
10 Years-12.93%
5 Years-7.9%
3 Years-35.03%
Last Year-20.68%
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 | 887.78M | 28.72 | 14.29 | 11.08% | 17.72% | 41.44% | 0.49 | |
 HCI | 2B | 154.14 | 6.20 | 20.21% | 33.16% | 36.22% | 0.06 | |
 RNR | 13.06B | 302.63 | 5.34 | 9.45% | 26.93% | 16.59% | 0.12 | |
 ACGL | 33.74B | 94.70 | 8.15 | 14.27% | 22.07% | 19.02% | 0.11 | |
 GLRE | 606.27M | 17.84 | 8.22 | 7.47% | 11.46% | 11.68% | 0.01 | |
 PLMR | 2.94B | 110.75 | 15.45 | 58.16% | 22.56% | 22.79% | 0.01 | |
 AIZ | 11.78B | 236.61 | 13.61 | 7.89% | 6.81% | 15.61% | 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
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19.06M | 23.84M | 3.8M | 981K | 1.21M | 10.22M | 850K | -7.05M | 546K | 2.42M |
| Revenue Growth % | 198.78% | 25.07% | -84.05% | -74.2% | 23.75% | 742.26% | -91.69% | -929.29% | 107.75% | 236.05% |
| Medical Costs & Claims | 15.06M | 43.11M | 10.27M | 64K | 98K | 264K | 1.18M | 0 | 254K | 2.48M |
| Medical Cost Ratio % | 79.01% | 180.81% | 270.09% | 6.52% | 8.07% | 2.58% | 139.18% | 0% | 46.52% | 102.52% |
| Gross Profit | 4M▲ 0% | -19.27M▼ 581.6% | -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% | -61K▲ 0% |
| Gross Margin % | 20.99% | -80.81% | -170.09% | 93.48% | 91.93% | 97.42% | -39.18% | 100% | 53.48% | -2.52% |
| Gross Profit Growth % | -33.71% | -581.55% | 66.43% | 114.18% | 21.7% | 792.56% | -103.34% | -2016.82% | 104.14% | - |
| Operating Expenses | 1.42M | 1.32M | 1.28M | 1.07M | 1.03M | 1.3M | 1.41M | 2.18M | 1.92M | 3.01M |
| OpEx / Revenue % | 7.45% | 5.56% | 33.72% | 108.77% | 84.68% | 12.76% | 166.24% | -30.97% | 351.1% | 124.31% |
| Depreciation & Amortization | 21K | 24K | 18K | 10K | 10K | 7K | 4K | 6K | 3K | 0 |
| Combined Ratio % | 86.46% | 186.37% | 303.81% | 115.29% | 92.75% | 15.34% | 305.41% | -30.97% | 397.62% | 226.83% |
| Operating Income | 2.58M▲ 0% | -20.59M▼ 897.8% | -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% | -3.07M▲ 0% |
| Operating Margin % | 13.54% | -86.37% | -203.81% | -15.29% | 7.25% | 84.66% | -205.41% | 130.97% | -297.62% | -126.83% |
| Operating Income Growth % | -43.9% | -897.83% | 62.37% | 98.06% | 158.67% | 9736.36% | -120.17% | -428.75% | 82.4% | - |
| EBITDA | 2.6M | -20.57M | -7.73M | -140K | 98K | 8.66M | -1.74M | -9.23M | -1.62M | -3.07M |
| EBITDA Margin % | 13.65% | -86.27% | -203.34% | -14.27% | 8.07% | 84.72% | -204.94% | 130.88% | -297.07% | -126.83% |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 141K | 0 | 0 |
| Pretax Income | 2.58M▲ 0% | -20.59M▼ 897.8% | -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% | -3.07M▲ 0% |
| Pretax Margin % | 13.54% | -86.37% | -203.81% | -15.29% | 7.25% | 84.66% | -205.41% | 132.97% | -297.62% | -126.83% |
| Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 542K | 0 | 0 |
| Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | -5.78% | 0% | 0% |
| Net Income | 2.58M▲ 0% | -20.59M▼ 897.8% | -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% | -3.11M▲ 0% |
| Net Margin % | 13.54% | -86.37% | -203.81% | -15.29% | 7.25% | 84.66% | -205.41% | 140.66% | -323.08% | -128.35% |
| Net Income Growth % | -43.9% | -897.83% | 62.37% | 98.06% | 158.67% | 9736.36% | -120.17% | -467.87% | 82.21% | 22.07% |
| EPS (Diluted) | 0.43▲ 0% | -3.55▼ 925.6% | -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% | -0.41▲ 0% |
| EPS Growth % | -43.42% | -925.58% | 71.83% | 97.38% | 158.4% | 9638.56% | -140.94% | -177.05% | 73.37% | 56.42% |
| EPS (Basic) | 0.43 | -3.55 | -1.00 | -0.03 | 0.02 | 1.49 | -0.61 | -1.69 | -0.45 | - |
| Diluted Shares Outstanding | 6.02M | 5.8M | 5.73M | 5.73M | 5.73M | 5.74M | 5.77M | 5.87M | 6.1M | 7.66M |
OXBR Balance Sheet
Oxbridge Re Holdings Limited (OXBR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 51M | 21.39M | 12.56M | 9.49M | 9.08M | 17.69M | 16.62M | 8.25M | 7.46M | 8.85M |
| Asset Growth % | -3.2% | -58.05% | -41.28% | -24.41% | -4.34% | 94.75% | -6.07% | -50.33% | -9.55% | 69.91% |
| Total Investment Assets | 10.99M | 6.47M | 1.16M | 692K | 787K | 11.75M | 12.06M | 0 | 161K | 496K |
| Long-Term Investments | 10.99M | 6.47M | 1.16M | 692K | 787K | 11.75M | 12.06M | 0 | 161K | 496K |
| Short-Term Investments | 10.99M | 6.47M | 993K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 16.33M | 11.6M | 9.08M | 0 | 0 | 0 | 0 | 5.38M | 0 | 0 |
| Cash & Equivalents | 12.24M | 7.76M | 8.07M | 5.96M | 5.56M | 3.53M | 1.21M | 495K | 2.13M | 726K |
| Receivables | 0 | 3.84M | 15K | 518K | 465K | 289K | 327K | 977K | 1.06M | 4.47M |
| Other Current Assets | 0 | 0 | 0 | -6.56M | -6.1M | -3.87M | -1.67M | 3.91M | -3.19M | -1.94M |
| Goodwill & Intangibles | 88K | 48K | 0 | 0 | 0 | 0 | 0 | 101K | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 88K | 48K | 0 | 0 | 0 | 0 | 0 | 101K | 0 | 0 |
| PP&E (Net) | 54K | 36K | 18K | 142K | 235K | 144K | 49K | 13K | 149K | 71K |
| Other Assets | 39.95M | 14.89M | 11.39M | -834K | -1.02M | -11.89M | -12.11M | 3.25M | -310K | -186K |
| Total Liabilities | 13.84M | 7.47M | 4.25M | 1.45M | 1.06M | 1.04M | 1.63M | 2.92M | 3.35M | 1.98M |
| Total Debt | 0 | 0 | 0 | 733K | 438K | 351K | 260K | 127K | 266K | 188K |
| Net Debt | -12.24M | -7.76M | -8.07M | -5.23M | -5.12M | -3.18M | -947K | -368K | -1.87M | -538K |
| Long-Term Debt | 0 | 0 | 0 | 600K | 216K | 216K | 216K | 118K | 118K | 118K |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 204K | 106K | 139K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payable | 204K | 106K | 139K | 279K | 209K | 337K | 294K | 356K | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -1.47M | -627K | -139K | -279K | -209K | -337K | -294K | -1.88M | -1.73M | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 13.84M | 7.47M | 4.25M | -733K | -438K | -351K | -260K | 2.79M | -266K | -188K |
| Total Equity | 37.16M▲ 0% | 13.92M▼ 62.5% | 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% | 6.87M▲ 0% |
| Equity Growth % | 0.37% | -62.55% | -40.26% | -3.26% | -0.22% | 107.49% | -9.98% | -64.43% | -22.92% | 197.02% |
| Shareholders Equity | 37.16M | 13.92M | 8.31M | 8.04M | 8.03M | 16.65M | 14.99M | 5.33M | 3.95M | 6.92M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 162K | -44K |
| Retained Earnings | 4.53M | -18.15M | -23.92M | -24.23M | -24.27M | -15.71M | -17.5M | -27.41M | -30.16M | -32.26M |
| Common Stock | 6K | 6K | 6K | 6K | 6K | 6K | 6K | 6K | 6K | 6K |
| Accumulated OCI | -411K | -39K | 2K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Return on Equity (ROE) | 6.96% | -80.62% | -69.71% | -1.83% | 1.1% | 70.16% | -11.04% | -97.58% | -37.36% | -45.24% |
| Return on Assets (ROA) | 4.98% | -56.89% | -45.64% | -1.36% | 0.95% | 64.66% | -10.18% | -79.74% | -22.45% | -35.13% |
| Equity / Assets | 72.87% | 65.06% | 66.19% | 84.71% | 88.35% | 94.13% | 90.21% | 64.61% | 55.06% | 77.64% |
| Debt / Equity | - | - | - | 0.09x | 0.05x | 0.02x | 0.02x | 0.02x | 0.06x | 0.06x |
| Book Value per Share | 6.17 | 2.40 | 1.45 | 1.40 | 1.40 | 2.90 | 2.60 | 0.91 | 0.67 | 0.90 |
| Tangible BV per Share | 6.16 | 2.39 | 1.45 | 1.40 | 1.40 | 2.90 | 2.60 | 0.89 | 0.67 | 0.90 |
OXBR Cash Flow Statement
Oxbridge Re Holdings Limited (OXBR) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 416K | -26.31M | -6.63M | -4.37M | -266K | -253K | -829K | -1.26M | -1.23M | -1.23M |
| Operating CF Growth % | -94.88% | -6424.52% | 74.79% | 34.1% | 93.91% | 4.89% | -227.67% | -51.99% | 2.22% | -6064.23% |
| Operating CF / Revenue % | 2.18% | -110.36% | -174.46% | -445.57% | -21.91% | -2.47% | -97.53% | 17.87% | -225.64% | -50.85% |
| Net Income | 2.58M | -20.59M | -5.75M | -305K | -50K | 8.56M | -1.79M | -9.91M | -2.73M | -3.11M |
| Depreciation & Amortization | 21K | 24K | 18K | 10K | 10K | 7K | 4K | 6K | 3K | 0 |
| Stock-Based Compensation | 119K | 127K | 126K | 36K | 32K | 61K | 127K | 258K | 234K | 388K |
| Deferred Taxes | -673K | 0 | 288K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 140K | 222K | -2M | -28K | -219K | -9.16M | 346K | 8.61M | 2.14M | 252K |
| Working Capital Changes | -1.77M | -6.09M | 684K | -4.08M | -39K | 275K | 483K | -216K | -887K | 254K |
| Cash from Investing | 6.87M | 24.98M | 5.04M | 488K | 110K | -1.8M | -661K | -105K | 780K | 395K |
| Capital Expenditures | -11K | -6K | 0 | -1K | -14K | -3K | 0 | -5K | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 1.8M | 626K | 0 | 0 | 0 |
| Purchase of Investments | -13.13M | -22.65M | -10.91M | -505K | -2.59M | -3.15M | -1.29M | 0 | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 994K | 1000K | 1000K | 626K | 0 | 307K | 395K |
| Other Investing | 6.93M | 20.32M | 5.04M | 0 | 0 | -1.8M | -626K | -100K | 473K | 0 |
| Cash from Financing | -3.63M | -3.15M | 2M | 600K | -384K | -1K | 0 | 1.18M | 2.6M | 3.73M |
| Dividends Paid | -2.88M | -2.09M | -35K | 0 | 0 | -1K | 0 | 0 | 0 | 0 |
| Share Repurchases | -742K | -1.06M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.13M | 4.25M |
| Debt Issuance (Net) | 0 | 0 | 1000K | 600K | -384K | 0 | 0 | 1000K | 1000K | -1000K |
| Other Financing | 0 | 0 | 0 | 0 | 0 | 1K | 0 | 0 | 0 | 945K |
| Net Change in Cash | 3.66M▲ 0% | -4.48M▼ 222.4% | 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% | 2.35M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 1K | 0 | 0 | 0 | 0 |
| Cash at Beginning | 8.58M | 12.24M | 10.89M | 11.3M | 8.02M | 7.48M | 5.42M | 3.93M | 3.75M | 6.65M |
| Cash at End | 12.24M | 7.76M | 11.3M | 8.02M | 7.48M | 5.42M | 3.93M | 3.75M | 5.89M | 7.18M |
| Free Cash Flow | 405K▲ 0% | -26.32M▼ 6597.8% | -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% | -1.76M▲ 0% |
| FCF Growth % | -94.99% | -6597.78% | 74.79% | 34.09% | 93.6% | 8.57% | -223.83% | -52.59% | 2.61% | -710.73% |
| FCF Margin % | 2.12% | -110.38% | -174.46% | -445.67% | -23.06% | -2.5% | -97.53% | 17.95% | -225.64% | -72.84% |
| FCF per Share | 0.07 | -4.54 | -1.16 | -0.76 | -0.05 | -0.04 | -0.14 | -0.22 | -0.2 | -0.2 |
OXBR Key Ratios
Oxbridge Re Holdings Limited (OXBR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 86.46% | 186.37% | 303.81% | 115.29% | 92.75% | 15.34% | 305.41% | -30.97% | 397.62% | 226.83% |
| Medical Cost Ratio | 79.01% | 180.81% | 270.09% | 6.52% | 8.07% | 2.58% | 139.18% | 0% | 46.52% | 102.52% |
| Return on Equity (ROE) | 6.96% | -80.62% | -69.71% | -1.83% | 1.1% | 70.16% | -11.04% | -97.58% | -37.36% | -45.24% |
| Return on Assets (ROA) | 4.98% | -56.89% | -45.64% | -1.36% | 0.95% | 64.66% | -10.18% | -79.74% | -22.45% | -35.13% |
| Equity / Assets | 72.87% | 65.06% | 66.19% | 84.71% | 88.35% | 94.13% | 90.21% | 64.61% | 55.06% | 77.64% |
| Book Value / Share | 6.17 | 2.4 | 1.45 | 1.4 | 1.4 | 2.9 | 2.6 | 0.91 | 0.67 | 0.9 |
| Debt / Equity | - | - | - | 0.09x | 0.05x | 0.02x | 0.02x | 0.02x | 0.06x | 0.06x |
| Revenue Growth | 198.78% | 25.07% | -84.05% | -74.2% | 23.75% | 742.26% | -91.69% | -929.29% | 107.75% | 236.05% |
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 107.7% over the past year. This is strong growth.
Oxbridge Re Holdings Limited (OXBR) reported a net loss of $3.1M for fiscal year 2024.
Dividend & Returns
Oxbridge Re Holdings Limited (OXBR) has a return on equity (ROE) of -37.4%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Oxbridge Re Holdings Limited (OXBR) has a combined ratio of 397.6%. A ratio above 100% means claims and expenses exceed premiums.
Explore More OXBR
Oxbridge Re Holdings Limited (OXBR) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
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Dividend History
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Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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