This page shows Oxbridge Re Hldg (OXBRW) 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).
FY2025 shows a loss-reduction story powered less by operations than by a capital raise that rebuilt equity.
The least obvious shift is that earnings quality weakened: the FY2025 net loss narrowed to-$2.1M , yet operating cash flow fell to-$1.3M . With$2.3M of financing cash flow and a higher share count, equity rose while debt-to-equity dropped to 0.3x, so the balance-sheet repair came from new capital rather than from the business funding itself.
In FY2025, SG&A exceeded revenue—
The balance sheet is less indebted but also cash-thin: liabilities fell to
Financial Health Signals
We are recalculating Oxbridge Re Hldg's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.
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.
For every $1 of reported earnings, Oxbridge Re Hldg 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
Earnings & Revenue
Oxbridge Re Hldg generated $2.6M in revenue in fiscal year 2025. This represents an increase of 372.0% from the prior year.
Oxbridge Re Hldg reported -$2.1M in net income in fiscal year 2025. This represents an increase of 24.4% from the prior year.
Oxbridge Re Hldg 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
Oxbridge Re Hldg generated -$1.4M in free cash flow in fiscal year 2025, representing cash available after capex.
Oxbridge Re Hldg held $268K in cash against $0 in long-term debt as of fiscal year 2025.
Oxbridge Re Hldg had 8M shares outstanding in fiscal year 2025. This represents an increase of 20.1% from the prior year.
Margins & Returns
Oxbridge Re Hldg'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.
Oxbridge Re Hldg'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
Oxbridge Re Hldg invested $16K in capex in fiscal year 2025, funding long-term assets and infrastructure.
OXBRW Income Statement
| 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) | N/A | N/A | $-0.02+92.0% | $-0.25-1150.0% | $-0.02 | N/A | $-0.09+35.7% | $-0.14 |
OXBRW Balance Sheet
| 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 |
OXBRW Cash Flow Statement
| 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 | N/A | $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 |
OXBRW Financial Ratios
| 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 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% 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) 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 Hldg's operating cash flow?
Oxbridge Re Hldg (OXBRW) generated -$1.3M in operating cash flow during fiscal year 2025, representing cash generated from 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 cash runway?
Based on fiscal year 2025 data, Oxbridge Re Hldg (OXBRW) 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 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) 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.