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.
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).
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
The business remains cash-consuming despite limited reported leverage: FY2025 free cash flow was
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 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 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.
Not available for Oxbridge Re Holdings Limited, and counted as zero in the overall score.
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.
Not available for Oxbridge Re Holdings Limited, and counted as zero in the overall score.
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.
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.
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.
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
Earnings & Revenue
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%.
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%.
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.
Not reported for Q2 2026.
Cash & Balance Sheet
Oxbridge Re Holdings Limited held $4.1M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
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.
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.
Not reported for Q2 2026.
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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-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/A | 8M | 7M+23.8% | 7M+14.9% | N/A | 6M+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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-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 | $1K | N/A | N/A | N/A | N/A | $0 | $1K-50.0% |
| Stock-Based Compensation | N/A | $82K-24.1% | N/A | N/A | N/A | $108K+50.0% | N/A | N/A |
| Investing Cash Flow | N/A | N/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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.7% | 3.5%+23.6pp | 20.7% | -29.0% | -282.1% | -20.1% | -114.7% | -263.4% |
| Return on Equity | 2.7%+37.7pp | 0.4%+2.3pp | 2.0%+14.3pp | -3.3%+11.5pp | -35.1%-13.4pp | -2.0%+18.1pp | -12.3% | -14.8%+77.1pp |
| Return on Assets | 0.9%+21.3pp | 0.3%+1.6pp | 1.5%+8.0pp | -2.1%+5.3pp | -20.4%-9.9pp | -1.4%+11.1pp | -6.5% | -7.4%+57.8pp |
| Debt-to-Equity | 2.09+1.6x | 0.35-0.1x | 0.26-0.6x | 0.35-0.7x | 0.50-0.6x | 0.46-0.2x | 0.89+0.3x | 1.01+0.6x |
| Asset Turnover | 0.050.0x | 0.070.0x | 0.070.0x | 0.070.0x | 0.07+0.1x | 0.07+0.1x | 0.06 | 0.03+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 |
Where Oxbridge Re Holdings Limited Ranks
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%.
What is Oxbridge Re Holdings Limited's net profit margin?
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.
What is Oxbridge Re Holdings Limited's return on equity (ROE)?
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.
What is Oxbridge Re Holdings Limited's free cash flow?
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.
What is Oxbridge Re Holdings Limited's operating cash flow?
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.
What are Oxbridge Re Holdings Limited's total assets?
Oxbridge Re Holdings Limited (OXBR) had $8.1M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Oxbridge Re Holdings Limited's capital expenditures?
Oxbridge Re Holdings Limited (OXBR) invested $16K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Oxbridge Re Holdings Limited's debt-to-equity ratio?
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.
What is Oxbridge Re Holdings Limited's return on assets (ROA)?
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.
What is Oxbridge Re Holdings Limited's P/E ratio?
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.
What is Oxbridge Re Holdings Limited's price-to-sales ratio?
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.
What is Oxbridge Re Holdings Limited's Piotroski F-Score?
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.
Are Oxbridge Re Holdings Limited's earnings high quality?
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.
How financially healthy is Oxbridge Re Holdings Limited?
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.