What is Oxbridge Re Hldgs Ltd's earnings per share (EPS)?

Oxbridge Re Hldgs Ltd (OXBR) reported diluted earnings per share of $-0.28 for fiscal year 2025. This represents a 37.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Oxbridge Re Hldgs Ltd Financials

OXBR

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Oxbridge Re Hldgs Ltd (OXBR) financial statements, including the 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).

Rhea AI OXBR FY2025 2026-05-11

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 $3.05M still exceeded revenue of $2.58M, so current scale does not yet cover the fixed corporate cost base. That makes the smaller loss look more like revenue recovering against a mostly fixed expense structure than a structurally leaner operation.

Liquidity remains tight: cash ended at just $268K after free cash outflow of -$1.36M. Even though total liabilities are much lower than FY2024, the immediate cash cushion is thinner than the improved leverage picture alone would suggest.

Financial Health Signals

Financial Profile 16/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Leverage

Oxbridge Re Hldgs Ltd carries a low D/E ratio of 0.26, meaning only $0.26 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 97/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

While Oxbridge Re Hldgs Ltd generated -$1.3M in operating cash flow, capex of $16K consumed most of it, leaving -$1.4M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.

Returns

Oxbridge Re Hldgs Ltd generates a -35.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -69.7% the prior year.

Piotroski F-Score Weak

3/9

Oxbridge Re Hldgs Ltd passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Low Quality

0.65x

For every $1 of reported earnings, Oxbridge Re Hldgs Ltd generates $0.65 in operating cash flow (-$1.3M OCF vs -$2.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.6M

YoY+372.0%

5Y CAGR+16.2%

10Y CAGR-8.7%

Oxbridge Re Hldgs Ltd generated $2.6M in revenue in fiscal year 2025. This represents an increase of 372.0% from the prior year.

EBITDA

N/A

Net Income

-$2.1M

YoY+24.4%

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.

EPS (Diluted)

$-0.28

YoY+37.8%

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.

Cash & Balance Sheet

Free Cash Flow

-$1.4M

Oxbridge Re Hldgs Ltd generated -$1.4M in free cash flow in fiscal year 2025, representing cash available after capex.

Cash & Debt

$268K

YoY-87.4%

5Y CAGR-48.6%

10Y CAGR-29.3%

Oxbridge Re Hldgs Ltd held $268K in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY+20.1%

5Y CAGR+6.0%

10Y CAGR+2.4%

Oxbridge Re Hldgs Ltd had 8M shares outstanding in fiscal year 2025. This represents an increase of 20.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-80.7%

YoY+422.9pp

5Y CAGR-76.6pp

10Y CAGR-152.8pp

Oxbridge Re Hldgs Ltd's net profit margin was -80.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 422.9 percentage points from the prior year.

Return on Equity

-35.2%

YoY+34.5pp

5Y CAGR-34.5pp

10Y CAGR-47.6pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$16K

5Y CAGR+2.7%

10Y CAGR-7.8%

Oxbridge Re Hldgs Ltd invested $16K in capex in fiscal year 2025, funding long-term assets and infrastructure.

OXBR Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.6M+372.0%	$546K	N/A	$850K-91.7%	$10.2M+742.3%	$1.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.0M+58.9%	$1.9M-12.2%	$2.2M+54.5%	$1.4M+8.3%	$1.3M+26.9%	$1.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	-$2.1M+24.4%	-$2.8M+72.3%	-$9.9M-453.9%	-$1.8M-120.9%	$8.6M+17230.0%	-$50K
EPS (Diluted)	$-0.28+37.8%	$-0.45+73.4%	$-1.69-445.2%	$-0.31-120.8%	$1.49+15000.0%	$-0.01

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$623K+8.2%	$576K-10.7%	$645K-2.9%	$664K-4.0%	$692K+64.0%	$422K+105.9%	$205K+365.9%	$44K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$522K-1.5%	$530K-29.7%	$754K-40.0%	$1.3M+148.9%	$505K+17.2%	$431K-0.2%	$432K-23.7%	$566K
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	$22K-81.5%	$119K+163.6%	-$187K+90.0%	-$1.9M-1247.5%	-$139K+71.3%	-$484K+10.4%	-$540K+34.2%	-$821K
EPS (Diluted)	$-0.02	N/A	$-0.02+92.0%	$-0.25-1150.0%	$-0.02	N/A	$-0.09+35.7%	$-0.14

OXBR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.1M+7.9%	$7.5M-9.5%	$8.3M-50.3%	$16.6M-6.1%	$17.7M+94.7%	$9.1M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$268K-87.4%	$2.1M+331.3%	$495K-59.0%	$1.2M-65.8%	$3.5M-52.8%	$7.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.6M-55.6%	$3.5M+20.4%	$2.9M+79.5%	$1.6M+56.7%	$1.0M-1.9%	$1.1M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$5.9M+49.8%	$3.9M-26.0%	$5.3M-64.4%	$15.0M-10.0%	$16.7M+107.5%	$8.0M
Retained Earnings	-$32.1M-6.5%	-$30.2M-10.0%	-$27.4M-56.7%	-$17.5M-11.4%	-$15.7M+35.3%	-$24.3M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$8.7M+8.5%	$8.1M-9.0%	$8.9M-3.5%	$9.2M-10.6%	$10.3M+37.5%	$7.5M+1.9%	$7.3M-6.4%	$7.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$885K+230.2%	$268K-63.1%	$726K-81.2%	$3.9M-22.0%	$5.0M+132.5%	$2.1M+51.5%	$1.4M-60.8%	$3.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.1M+36.0%	$1.6M-21.2%	$2.0M-26.3%	$2.7M-16.7%	$3.2M-8.3%	$3.5M-4.2%	$3.7M-9.0%	$4.0M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$6.0M+1.8%	$5.9M+3.6%	$5.7M+6.9%	$5.3M-24.1%	$7.0M+78.3%	$3.9M+8.1%	$3.7M-3.6%	$3.8M
Retained Earnings	-$32.1M+0.1%	-$32.1M+0.4%	-$32.3M-0.6%	-$32.1M-5.8%	-$30.3M-0.5%	-$30.2M-1.6%	-$29.7M-1.9%	-$29.1M

OXBR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$1.3M-374.6%	-$284K+77.5%	-$1.3M-52.0%	-$829K-227.7%	-$253K+4.9%	-$266K
Capital Expenditures	$16K	N/A	$5K	N/A	$3K-78.6%	$14K
Free Cash Flow	-$1.4M	N/A	-$1.3M	N/A	-$256K+8.6%	-$280K
Investing Cash Flow	$120K-84.6%	$780K+842.9%	-$105K+84.1%	-$661K+63.4%	-$1.8M-1740.9%	$110K
Financing Cash Flow	$2.3M+39.9%	$1.7M+39.8%	$1.2M	N/A	$0+100.0%	-$384K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$210K-51.5%	$433K+266.9%	$118K+105.4%	-$2.2M-898.2%	$272K+217.7%	-$231K-189.5%	$258K+837.1%	-$35K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$63K+10.5%	$57K	$0	$0-100.0%	$63K-81.0%	$332K	$0	$0
Financing Cash Flow	$1.0M+245.2%	-$690K-270.4%	$405K+152.4%	-$773K-122.9%	$3.4M+247.0%	$971K+68.0%	$578K+297.9%	-$292K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

OXBR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-80.7%+422.9pp	-503.7%	N/A	-210.5%-294.2pp	83.8%+87.9pp	-4.1%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.26-0.6	0.89+0.3	0.55+0.4	0.11+0.0	0.06-0.1	0.13
FCF Margin	-52.9%	N/A	N/A	N/A	-2.5%+20.6pp	-23.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	3.5%-17.1pp	20.7%+49.6pp	-29.0%+253.1pp	-282.1%-262.0pp	-20.1%+94.6pp	-114.7%+148.7pp	-263.4%+1602.5pp	-1865.9%
Return on Equity	0.4%-1.6pp	2.0%+5.3pp	-3.3%+31.8pp	-35.1%-33.1pp	-2.0%+10.3pp	-12.3%+2.5pp	-14.8%+6.9pp	-21.7%
Return on Assets	0.3%-1.2pp	1.5%+3.6pp	-2.1%+18.3pp	-20.4%-19.1pp	-1.4%+5.1pp	-6.5%+0.9pp	-7.4%+3.1pp	-10.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.35+0.1	0.26-0.1	0.35-0.2	0.50+0.0	0.46-0.4	0.89-0.1	1.01-0.1	1.07
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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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% 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) generated -$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) generated -$1.3M in operating cash flow during fiscal year 2025, representing cash generated from 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.

How many shares does Oxbridge Re Hldgs Ltd have outstanding?

Oxbridge Re Hldgs Ltd (OXBR) had 8M shares outstanding as of fiscal year 2025.

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 9, indicating weak financial health. 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) has an earnings quality ratio of 0.65x, considered low quality (accrual-driven). 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 16 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.