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Oxbridge Re Holdings Limited (OXBR) Financials

OXBR
FY2025 annual
Revenue $2.6M +372.0% YoY
Net Income -$2.1M +24.4% YoY
EPS (Diluted) -$0.28 +37.8% YoY
Free Cash Flow -$1.4M YoY not available
Market Cap $8.5M as of Oct 8, 2026
Price / Sales 3.1x on $2.8M revenue, trailing 12 months to June 30, 2026
Price / Earnings 65.4x on $130K net income, trailing 12 months to June 30, 2026
Price / Book 1.3x on $6.6M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OXBR SEC filings page.

Oxbridge Re Holdings Limited (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).

Rhea AI OXBR FY2025

Revenue recovered in FY2025, but losses persisted and the balance-sheet improvement still depended on financing rather than operations.

Liabilities fell to $1.6M and debt-to-equity to 0.3x in FY2025, indicating a less burdened capital structure. Meanwhile, financing supplied $2.3M while operating cash flow was -$1.3M, so that improvement was not funded by internally generated cash.

Net profit margin improved sharply from -503.7% in FY2024 to -80.7% in FY2025, but remained negative; the change is a smaller loss relative to revenue, not a return to profitability. Revenue reached $2.6M while the company still recorded a net loss of $2.1M.

The business remains cash-consuming despite limited reported leverage: FY2025 free cash flow was -$1.4M, broadly consistent with operating cash flow, while debt-to-equity was only 0.3x. That alignment means the central pressure is ongoing operating losses and funding needs, rather than heavy interest-bearing debt.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Loss Ratio PremiumGrowth Capital Investment Yield CombinedRatio Stability 23 / 100
Financial Health Score 23/100
Scored as: Insurers peer group

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 Holdings Limited'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.

Loss Ratio
5

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Oxbridge Re Holdings Limited scores 5/100 on it among other insurers.

Premium Growth
0

Not available for Oxbridge Re Holdings Limited, and counted as zero in the overall score.

Capital
97

Oxbridge Re Holdings Limited funded 73.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $5.9M of equity against $8.1M of assets. Capital ranks insurers on that cushion, and Oxbridge Re Holdings Limited scores 97/100 among other insurers.

Investment Yield
0

Not available for Oxbridge Re Holdings Limited, and counted as zero in the overall score.

Combined Ratio
23

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Oxbridge Re Holdings Limited scores 23/100 on it among other insurers.

Stability
10

Oxbridge Re Holdings Limited reported a net loss of $2.1M in fiscal year 2025, against a loss of $2.8M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Oxbridge Re Holdings Limited scores 10/100 among other insurers.

Piotroski F-Score Partial
3/6

Oxbridge Re Holdings Limited 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.

Earnings Quality No Cash Backing
N/A

Oxbridge Re Holdings Limited 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

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Earnings & Revenue

Revenue
$940K
YoY+41.6%
QoQ+50.9%

Oxbridge Re Holdings Limited generated $940K in revenue in Q2 2026. This represents an increase of 41.6% from the same quarter a year earlier. Against the prior quarter it is up 50.9%.

Net Income
$176K
YoY+109.4%
QoQ+700.0%

Oxbridge Re Holdings Limited reported $176K in net income in Q2 2026. This represents an increase of 109.4% from the same quarter a year earlier. Against the prior quarter it is up 700.0%.

EPS (Diluted)
$0.02
YoY+108.0%

Oxbridge Re Holdings Limited earned $0.02 per diluted share (EPS) in Q2 2026. This represents an increase of 108.0% from the same quarter a year earlier.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt
$4.1M
YoY+6.2%
QoQ+364.5%
5Y CAGR-12.4%
10Y CAGR-1.2%

Oxbridge Re Holdings Limited held $4.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding
8M
YoY+8.0%
QoQ+0.5%
5Y CAGR+7.3%
10Y CAGR+3.0%

Oxbridge Re Holdings Limited had 8M shares outstanding in Q2 2026. This represents an increase of 8.0% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin
18.7%
QoQ+15.2pp

Oxbridge Re Holdings Limited's net profit margin was 18.7% in Q2 2026, showing the share of revenue converted to profit. Against the prior quarter it is up 15.2 percentage points. No change is given against Q2 2025: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.

Return on Equity
2.7%
YoY+37.7pp
QoQ+2.3pp

Oxbridge Re Holdings Limited's ROE was 2.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 37.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

OXBR Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OXBR quarterly income statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Revenue$940K+41.6%$623K-10.0%$576K+36.5%$645K+214.6%$664K+1409.1%$692K$422K$205K
SG&A Expenses$603K-52.0%$522K+3.4%$530K+23.0%$754K+74.5%$1.3M+122.1%$505K+3.5%$431K$432K-31.2%
Net Income$176K+109.4%$22K+115.8%$119K+124.6%-$187K+65.4%-$1.9M-128.1%-$139K+84.6%-$484K-$540K+92.6%
EPS (Basic)$0.02+108.0%N/A$0.02+125.0%-$0.02+77.8%-$0.25-78.6%-$0.02+86.7%-$0.08+97.3%-$0.09+92.7%
EPS (Diluted)$0.02+108.0%N/A$0.02+125.0%-$0.02-$0.25-78.6%-$0.02+86.7%-$0.08+97.3%-$0.09+92.7%
Diluted Shares (Avg)8M+8.8%8M+13.1%N/A8M7M+23.8%7M+14.9%N/A6M+4.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, Interest Expense, Income Tax.

OXBR Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OXBR quarterly balance sheet
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Total Assets$20.4M+122.1%$8.7M-14.9%$8.1M+7.9%$8.9M+20.9%$9.2M+17.2%$10.3M+41.3%$7.5M-9.5%$7.3M-34.6%
Cash & Equivalents$4.1M+6.2%$885K-82.2%$268K-87.4%$726K-48.5%$3.9M+7.7%$5.0M+832.9%$2.1M+331.3%$1.4M-21.8%
Short-Term Investments$0$0$0$0$0$0$0$0
Long-Term Investments$0$0$0$0$0$0$0$0
Total Liabilities$13.8M+413.4%$2.1M-34.2%$1.6M-55.6%$2.0M-46.1%$2.7M-33.5%$3.2M+16.6%$3.5M+20.4%$3.7M+13.0%
Total Equity$6.6M+23.3%$6.0M-14.5%$5.9M+49.8%$5.7M+56.4%$5.3M+41.0%$7.0M+56.5%$3.9M-26.0%$3.7M-54.1%
Retained Earnings-$31.9M+0.4%-$32.1M-6.0%-$32.1M-6.5%-$32.3M-8.7%-$32.1M-10.1%-$30.3M-7.0%-$30.2M-10.0%-$29.7M-20.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OXBR quarterly cash flow statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Operating Cash Flow-$267K+87.7%$210K-22.8%$433K+287.4%$118K-54.3%-$2.2M-6102.9%$272K+198.6%-$231K$258K0.0%
Depreciation & Amortization$1K$1KN/AN/AN/AN/A$0$1K-50.0%
Stock-Based CompensationN/A$82K-24.1%N/AN/AN/A$108K+50.0%N/AN/A
Investing Cash FlowN/AN/A$57K-82.8%$0$0$63K-85.9%$332K$0+100.0%
Financing Cash Flow$11.9M+1639.6%$1.0M-70.3%-$690K-171.1%$405K-29.9%-$773K-164.7%$3.4M+752.9%$971K$578K+28800.0%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.

OXBR Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OXBR quarterly financial ratios
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Net Margin18.7%3.5%+23.6pp20.7%-29.0%-282.1%-20.1%-114.7%-263.4%
Return on Equity2.7%+37.7pp0.4%+2.3pp2.0%+14.3pp-3.3%+11.5pp-35.1%-13.4pp-2.0%+18.1pp-12.3%-14.8%+77.1pp
Return on Assets0.9%+21.3pp0.3%+1.6pp1.5%+8.0pp-2.1%+5.3pp-20.4%-9.9pp-1.4%+11.1pp-6.5%-7.4%+57.8pp
Debt-to-Equity2.09+1.6x0.35-0.1x0.26-0.6x0.35-0.7x0.50-0.6x0.46-0.2x0.89+0.3x1.01+0.6x
Asset Turnover0.050.0x0.070.0x0.070.0x0.070.0x0.07+0.1x0.07+0.1x0.060.03+0.6x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

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.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company Fiscal year Revenue Net income Net margin Market cap Health score
Oxbridge Re Holdings Limited OXBR FY2025 $2.6M -$2.1M -80.7% $8.5M 23/100
Oxbridge Re Holdings Limited Warrant expiring 3/26/2029 OXBRW FY2025 $2.6M -$2.1M -80.7% N/A 35/100
Conifer Holdings, Inc CNFR FY2025 $43.3M -$18.4M -42.6% $18.1M 7/100
Greenlight Captial RE, LTD. GLRE FY2025 $729.8M $74.8M 10.3% $482.1M 47/100
Huize Holding Limited HUIZ FY2025 $226.3M $578K 0.3% $13.0M 16/100

Frequently Asked Questions

What is Oxbridge Re Holdings Limited's annual revenue?

Oxbridge Re Holdings Limited (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 Holdings Limited's revenue growing?

Oxbridge Re Holdings Limited (OXBR) revenue grew by 372.0% year-over-year, from $546K to $2.6M in fiscal year 2025.

Is Oxbridge Re Holdings Limited profitable?

No, Oxbridge Re Holdings Limited (OXBR) reported a net income of -$2.1M in fiscal year 2025, with a net profit margin of -80.7%.

Oxbridge Re Holdings Limited (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 Holdings Limited (OXBR) had a net profit margin of -80.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Oxbridge Re Holdings Limited (OXBR) has a return on equity of -35.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Oxbridge Re Holdings Limited (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.

Oxbridge Re Holdings Limited (OXBR) recorded an outflow of $1.3M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

Oxbridge Re Holdings Limited (OXBR) had $8.1M in total assets as of fiscal year 2025, including both current and long-term assets.

Oxbridge Re Holdings Limited (OXBR) invested $16K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

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

Oxbridge Re Holdings Limited (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.

Oxbridge Re Holdings Limited (OXBR) had a return on assets of -25.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Oxbridge Re Holdings Limited (OXBR) trades at 65.4x earnings, its market capitalization divided by net income of $130K net income, trailing 12 months to June 30, 2026. The market capitalization is $8.5M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

Oxbridge Re Holdings Limited (OXBR) trades at 3.1x sales, its market capitalization divided by revenue of $2.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $8.5M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

Oxbridge Re Holdings Limited (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.

Oxbridge Re Holdings Limited (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.

Oxbridge Re Holdings Limited (OXBR) scores 23 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.

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