Oxbridge Re Hldgs Ltd Financials
Oxbridge Re Hldgs Ltd (OXBR) reported $2.6M in revenue for fiscal year 2025, up 372.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 shows revenue recovery, but the business still depends on external financing because overhead outruns cash generation.
FY2025's cleaner balance sheet did not come from cash-generating operations: net loss narrowed from-$2.75M to-$2.08M , yet operating cash flow deteriorated sharply. Debt-to-equity fell to 0.3x, but that lighter posture coincided with$2.31M of financing inflow and more shares outstanding, which means the year was stabilized by recapitalization rather than by the business funding itself.
In FY2025, selling and administrative expense of
Liquidity remains tight: cash ended at just
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Oxbridge Re Hldgs Ltd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Oxbridge Re Hldgs Ltd, and counted as zero in the overall score.
Not available for Oxbridge Re Hldgs Ltd, and counted as zero in the overall score.
Oxbridge Re Hldgs Ltd passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
Oxbridge Re Hldgs Ltd reported a net loss of $2.1M while operations used $1.3M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Oxbridge Re Hldgs Ltd generated $2.6M in revenue in fiscal year 2025. This represents an increase of 372.0% from the prior year.
Oxbridge Re Hldgs Ltd reported -$2.1M in net income in fiscal year 2025. This represents an increase of 24.4% from the prior year.
Oxbridge Re Hldgs Ltd earned -$0.28 per diluted share (EPS) in fiscal year 2025. This represents an increase of 37.8% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Oxbridge Re Hldgs Ltd recorded an outflow of $1.4M in free cash flow in fiscal year 2025, representing a cash shortfall after capex.
Oxbridge Re Hldgs Ltd held $268K in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
Oxbridge Re Hldgs Ltd's net profit margin was -80.7% in fiscal year 2025, showing the share of revenue converted to profit. No change is given against fiscal year 2024: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Oxbridge Re Hldgs Ltd's ROE was -35.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 34.5 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Oxbridge Re Hldgs Ltd invested $16K in capex in fiscal year 2025, funding long-term assets and infrastructure.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
OXBR Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.8M | $2.6M+372.0% | $546K | N/A | $850K-91.7% | $10.2M+742.3% | $1.2M+23.8% | $981K-74.2% | $3.8M-84.1% | $23.8M+25.1% | $19.1M+198.8% | $6.4M+14.8% | $5.6M |
| SG&A Expenses | $2.4M | $3.0M+58.9% | $1.9M-12.2% | $2.2M+54.5% | $1.4M+8.3% | $1.3M+26.9% | $1.0M-3.7% | $1.1M-16.8% | $1.3M-3.2% | $1.3M-6.7% | $1.4M-1.0% | $1.4M+27.2% | $1.1M |
| Net Income | $130K | -$2.1M+24.4% | -$2.8M+72.3% | -$9.9M-453.9% | -$1.8M-120.9% | $8.6M+17230.0% | -$50K+83.6% | -$305K+94.7% | -$5.7M+72.1% | -$20.6M-897.8% | $2.6M-43.9% | $4.6M+15.0% | $4.0M |
| EPS (Diluted) | — | -$0.28+37.8% | -$0.45+73.4% | -$1.69-445.2% | -$0.31-120.8% | $1.49+15000.0% | -$0.01+80.0% | -$0.05+95.0% | -$1.00+71.8% | -$3.55-925.6% | $0.43-43.4% | $0.76-7.3% | $0.82 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, Interest Expense, Income Tax.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
OXBR Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.1M+7.9% | $7.5M-9.5% | $8.3M-50.3% | $16.6M-6.1% | $17.7M+94.7% | $9.1M-4.3% | $9.5M-24.4% | $12.6M-41.3% | $21.4M-58.1% | $51.0M-3.2% | $52.7M+6.0% | $49.7M |
| Cash & Equivalents | $268K-87.4% | $2.1M+331.3% | $495K-59.0% | $1.2M-65.8% | $3.5M-52.8% | $7.5M-6.7% | $8.0M-0.7% | $8.1M+4.0% | $7.8M-78.2% | $35.7M+315.7% | $8.6M+61.4% | $5.3M |
| Total Liabilities | $1.6M-55.6% | $3.5M+20.4% | $2.9M+79.5% | $1.6M+56.7% | $1.0M-1.9% | $1.1M-27.1% | $1.5M-65.8% | $4.2M-43.2% | $7.5M-46.0% | $13.8M-11.6% | $15.7M+20.6% | $13.0M |
| Total Equity | $5.9M+49.8% | $3.9M-26.0% | $5.3M-64.4% | $15.0M-10.0% | $16.7M+107.5% | $8.0M-0.2% | $8.0M-3.3% | $8.3M-40.3% | $13.9M-62.5% | $37.2M+0.4% | $37.0M+0.9% | $36.7M |
| Retained Earnings | -$32.1M-6.5% | -$30.2M-10.0% | -$27.4M-56.7% | -$17.5M-11.4% | -$15.7M+35.3% | -$24.3M-0.2% | -$24.2M-1.3% | -$23.9M-31.8% | -$18.1M-500.3% | $4.5M-6.3% | $4.8M+53.8% | $3.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
OXBR Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $494K | -$1.3M-374.6% | -$284K+77.5% | -$1.3M-52.0% | -$829K-227.7% | -$253K+4.9% | -$266K+93.9% | -$4.4M+34.1% | -$6.6M+74.8% | -$26.3M-6424.5% | $416K-94.9% | $8.1M-6.4% | $8.7M |
| Capital Expenditures | N/A | $16K | N/A | $5K | N/A | $3K-78.6% | $14K+1300.0% | $1K | $0-100.0% | $6K-45.5% | $11K-69.4% | $36K-39.0% | $59K |
| Free Cash Flow | N/A | -$1.4M | N/A | -$1.3M | N/A | -$256K+8.6% | -$280K+93.6% | -$4.4M+34.1% | -$6.6M+74.8% | -$26.3M-6597.8% | $405K-95.0% | $8.1M-6.1% | $8.6M |
| Investing Cash Flow | N/A | $120K-84.6% | $780K+842.9% | -$105K+84.1% | -$661K+63.4% | -$1.8M-1740.9% | $110K | N/A | N/A | N/A | N/A | N/A | N/A |
| Financing Cash Flow | $12.6M | $2.3M+39.9% | $1.7M+39.8% | $1.2M | N/A | $0+100.0% | -$384K | N/A | N/A | N/A | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0-100.0% | $2.1M-27.5% | $2.9M-0.8% | $2.9M+70.3% | $1.7M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0-100.0% | $1.1M+43.0% | $742K | $0 | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
OXBR Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -80.7% | -503.7% | N/A | -210.5% | 83.8%+87.9pp | -4.1%+27.0pp | -31.1% | -151.2% | -86.4%-99.9pp | 13.5%-58.6pp | 72.1%+0.2pp | 72.0% |
| Return on Equity | -35.2%+34.5pp | -69.7%+116.2pp | -185.9%-173.9pp | -11.9%-63.4pp | 51.4%+52.1pp | -0.6%+3.2pp | -3.8%+65.4pp | -69.2%+78.8pp | -148.0%-154.9pp | 7.0%-5.5pp | 12.4%+1.5pp | 10.9% |
| Return on Assets | -25.8%+11.0pp | -36.8%+83.2pp | -120.1%-109.3pp | -10.8%-59.2pp | 48.4%+49.0pp | -0.5%+2.7pp | -3.2%+42.6pp | -45.8%+50.5pp | -96.3%-101.3pp | 5.1%-3.7pp | 8.7%+0.7pp | 8.1% |
| Debt-to-Equity | 0.26-0.6x | 0.89+0.3x | 0.55+0.4x | 0.110.0x | 0.06-0.1x | 0.130.0x | 0.18-0.3x | 0.510.0x | 0.54+0.2x | 0.37-0.1x | 0.42+0.1x | 0.35 |
| FCF Margin | -52.9% | N/A | N/A | N/A | -2.5%+20.6pp | -23.1% | -445.7% | -174.5% | -110.4% | 2.1% | 126.8% | 155.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Oxbridge Re Hldgs Ltd Ranks
Frequently Asked Questions
What is Oxbridge Re Hldgs Ltd's annual revenue?
Oxbridge Re Hldgs Ltd (OXBR) reported $2.6M in total revenue for fiscal year 2025. This represents a 372.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Oxbridge Re Hldgs Ltd's revenue growing?
Oxbridge Re Hldgs Ltd (OXBR) revenue grew by 372.0% year-over-year, from $546K to $2.6M in fiscal year 2025.
Is Oxbridge Re Hldgs Ltd profitable?
No, Oxbridge Re Hldgs Ltd (OXBR) reported a net income of -$2.1M in fiscal year 2025, with a net profit margin of -80.7%.
What is Oxbridge Re Hldgs Ltd's net profit margin?
Oxbridge Re Hldgs Ltd (OXBR) had a net profit margin of -80.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Oxbridge Re Hldgs Ltd's return on equity (ROE)?
Oxbridge Re Hldgs Ltd (OXBR) has a return on equity of -35.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Oxbridge Re Hldgs Ltd's free cash flow?
Oxbridge Re Hldgs Ltd (OXBR) recorded an outflow of $1.4M in free cash flow during fiscal year 2025. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Oxbridge Re Hldgs Ltd's operating cash flow?
Oxbridge Re Hldgs Ltd (OXBR) recorded an outflow of $1.3M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Oxbridge Re Hldgs Ltd's total assets?
Oxbridge Re Hldgs Ltd (OXBR) had $8.1M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Oxbridge Re Hldgs Ltd's capital expenditures?
Oxbridge Re Hldgs Ltd (OXBR) invested $16K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Oxbridge Re Hldgs Ltd's debt-to-equity ratio?
Oxbridge Re Hldgs Ltd (OXBR) had a debt-to-equity ratio of 0.26 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Oxbridge Re Hldgs Ltd's return on assets (ROA)?
Oxbridge Re Hldgs Ltd (OXBR) had a return on assets of -25.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Oxbridge Re Hldgs Ltd's cash runway?
Based on fiscal year 2025 data, Oxbridge Re Hldgs Ltd (OXBR) had $268K in cash against an annual operating cash burn of $1.3M. This gives an estimated cash runway of approximately 2 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Oxbridge Re Hldgs Ltd's Piotroski F-Score?
Oxbridge Re Hldgs Ltd (OXBR) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Oxbridge Re Hldgs Ltd's earnings high quality?
Oxbridge Re Hldgs Ltd (OXBR) reported a net loss of $2.1M while operations used $1.3M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Oxbridge Re Hldgs Ltd?
Oxbridge Re Hldgs Ltd (OXBR) scores 22 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.