Oxbridge Re Hldg (OXBRW) Financials
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 OXBRW SEC filings page.
Oxbridge Re Hldg (OXBRW) 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).
External financing is supporting an operating model whose revenue recovery has not yet absorbed its cost base.
In FY2025, operating cash flow was-$1.35M and free cash flow was-$1.36M ; their near match shows the cash shortfall was primarily operational rather than driven by heavy reinvestment. Revenue recovered to$2.58M from$546K in FY2024 while SG&A rose to$3.05M , so the cost base still outpaced the revenue recovery.
The balance sheet delevered sharply: debt-to-equity fell from 0.9x in FY2024 to 0.3x in FY2025. Liabilities declined from
FY2025 financing provided
Financial Health Signals
Scored against emerging companies 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 Hldg'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.
Oxbridge Re Hldg held $268K in cash, cash equivalents and investments at the end of fiscal year 2025, and its operations used $1.3M of cash that year. Cash Runway ranks emerging companies on the size of that balance against the outflow behind it, and Oxbridge Re Hldg scores 10/100 among other emerging companies.
Oxbridge Re Hldg had 8M shares outstanding at the end of fiscal year 2025, against 7M in fiscal year 2024. Dilution ranks emerging companies on how fast that count has grown over three years, where a slower rise is the better one, and Oxbridge Re Hldg scores 40/100 among other emerging companies.
Not available for Oxbridge Re Hldg, and counted as zero in the overall score.
Oxbridge Re Hldg reported revenue of $2.6M in fiscal year 2025, against $546K in fiscal year 2024. Revenue Progress ranks emerging companies on the three-year path of that line, and Oxbridge Re Hldg scores 95/100 among other emerging companies.
Oxbridge Re Hldg's operations used $1.3M of cash in fiscal year 2025, against $284K used in fiscal year 2024. Burn Trend ranks emerging companies on which way that figure has moved over three years, and Oxbridge Re Hldg scores 40/100 among other emerging companies.
Oxbridge Re Hldg's cash, cash equivalents and investments came to $268K at the end of fiscal year 2025, against $1.6M of total liabilities. Balance Sheet ranks emerging companies on that comparison, and Oxbridge Re Hldg scores 24/100 among other emerging companies.
Oxbridge Re Hldg 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 Hldg 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 Hldg 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 Hldg 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 Hldg 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 Hldg 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 Hldg'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 Hldg'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.
OXBRW 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.
OXBRW 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.
OXBRW 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.
OXBRW 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 Hldg OXBRW | FY2025 | $2.6M | -$2.1M | -80.7% | N/A | 35/100 |
| Oxbridge Re Hldgs Ltd OXBR | FY2025 | $2.6M | -$2.1M | -80.7% | $11.7M | 22/100 |
| Greenlight Capital Re Ltd GLRE | FY2025 | $729.8M | $74.8M | 10.3% | $503.3M | 47/100 |
| Reliance Global Group Inc RELI | FY2025 | $12.4M | -$7.0M | -56.2% | $4.1M | 21/100 |
| Melar Acquisition Corp. I MACIW | FY2025 | N/A | $5.5M | N/A | N/A | — |
| Hamilton Insurance Group HG | FY2025 | $2.9B | $840.0M | 28.9% | $3.5B | 44/100 |
Where Oxbridge Re Hldg Ranks
Frequently Asked Questions
What is Oxbridge Re Hldg's annual revenue?
Oxbridge Re Hldg (OXBRW) 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 Hldg's revenue growing?
Oxbridge Re Hldg (OXBRW) revenue grew by 372.0% year-over-year, from $546K to $2.6M in fiscal year 2025.
Is Oxbridge Re Hldg profitable?
No, Oxbridge Re Hldg (OXBRW) reported a net income of -$2.1M in fiscal year 2025, with a net profit margin of -80.7%.
What is Oxbridge Re Hldg's net profit margin?
Oxbridge Re Hldg (OXBRW) 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 Hldg's return on equity (ROE)?
Oxbridge Re Hldg (OXBRW) 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 Hldg's free cash flow?
Oxbridge Re Hldg (OXBRW) 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 Hldg's operating cash flow?
Oxbridge Re Hldg (OXBRW) 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 Hldg's total assets?
Oxbridge Re Hldg (OXBRW) had $8.1M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Oxbridge Re Hldg's capital expenditures?
Oxbridge Re Hldg (OXBRW) invested $16K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Oxbridge Re Hldg's debt-to-equity ratio?
Oxbridge Re Hldg (OXBRW) 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 Hldg's return on assets (ROA)?
Oxbridge Re Hldg (OXBRW) 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 Hldg's Piotroski F-Score?
Oxbridge Re Hldg (OXBRW) 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 Hldg's earnings high quality?
Oxbridge Re Hldg (OXBRW) 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 Hldg?
Oxbridge Re Hldg (OXBRW) scores 35 out of 100 on our Financial Health Score, indicating weak standing within its emerging companies peer group. The score is a 0-100 composite of six dimensions (Cash Runway, Dilution, R&D Intensity, Revenue Progress, Burn Trend, Balance Sheet), 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.