Oxbridge Re Holdings Limited (OXBR) AI Stock Analysis

Established in 2013 and based in George Town, the Cayman Islands, Oxbridge Re Holdings Limited provides niche property and casualty reinsurance solutions through its subsidiaries. The company concentrates on underwriting reinsurance contracts designed for property and casualty insurance carriers primarily operating in the Gulf Coast region of the United States. These contracts mitigate risks linked to property and casualty exposures. Oxbridge Re distributes its specialized coverage through established reinsurance brokers, offering broad market access and targeted risk management solutions. Operating with 4 employees, the company aims to address the specific underwriting needs and challenges of insurers within its chosen geographic territory.

Oxbridge Re experienced wide fluctuations in financial results across recent fiscal years. Revenue climbed 742.3% in FY2021 to $10.2M with net income of $8.7M, but dropped to $850,000 in FY2022 with a net loss of -$1.7M. In FY2023, revenue was -$7.0M with a net loss of -$9.9M, before recovering to $546,000 in FY2024. Revenue rose 372.0% to $2.6M in FY2025, alongside net income of -$3.5M and an operating margin of -134.4%. Over the trailing twelve months, revenue totaled $2.8M with an operating margin of 31.2% and EPS of $0.02. For the quarter ended June 30, 2026, revenue increased 41.6% year-over-year, while quarterly earnings declined 56.5%.

As of June 30, 2026, Oxbridge Re held $7.8M in cash and short-term investments alongside total debt of $180,000, yielding net cash of $7.6M. Shareholders' equity stood at $19.2M against total assets of $20.4M, resulting in a debt-to-equity ratio of 0.01. In FY2025, operating cash flow was -$1.3M and free cash flow was -$1.4M, with capital expenditures of $16,000. Additionally, the company's share count increased 41.2% over five years.

At a closing price of $1.00 on October 16, 2026, Oxbridge Re had a market capitalization of $8.1M and an enterprise value of $7.4M. The stock trades at a trailing price-to-earnings multiple of 50.0x, above the 12.1x median of its US-listed Financial Services peers. However, its forward P/E of 7.9x is below the peer median of 10.8x, and its price-to-sales ratio of 2.9x compares to the peer median of 3.2x. The stock trades at a price-to-book ratio of 0.6x. Over the past year, shares declined 44.1% while the S&P 500 gained 16.8%. Over five years, the stock dropped 66.8% compared to an 83.0% gain for the index.

Wall Street coverage for Oxbridge Re consists of 1 Buy rating and zero Hold or Sell ratings. The mean price target of $3.00 implies an upside of 200.0% from the last close of $1.00. For the fiscal year ending December 31, 2026, analysts estimate an EPS of -$0.04 on revenue of $2.5M. For the following fiscal year, 1 analyst projects revenue of $2.4M and an EPS of -$0.13. The company beat EPS estimates in 2 of the last 4 quarters. Its next earnings report is scheduled for November 5, 2026.

This page is an AI-written research summary of Oxbridge Re Holdings Limited (OXBR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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