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Oxbridge Re Holdings Limited (OXBR)

Nasdaq: OXBR · Fire, Marine & Casualty Insurance · Georgetown, KY · filing with the SEC since 2013
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Grade3.7
◀ Past 1.6● Present 3.9▶ Future 6.7
2 est.
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The grade of Oxbridge Re Holdings Limited

Nine metrics read from its own filings, by tense
Headline grade
3.7/10
◀ Past1.640% of the headline
● Present3.935% of the headline
▶ Future6.725% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.6/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
2.0/10

Has it survived what it has been through?

5 warning events since 2017; the latest 2022-05-03.

weight 33% of this tense · 20th percentile among 60 sector filers · read for itself

From the record

Oxbridge Re Holdings Limited's filings since 2017 show 5 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, 4 times, the latest 2021-12-13); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2022-05-03) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
0.6/10

What has it actually done, year after year?

-19.9% a year over 10 filed years; profitable in 2 of 10.

weight 22% of this tense · 6th percentile among 56 sector filers · read for its customers

From the record

Oxbridge Re Holdings Limited's 10 filed years say what it did: revenue went from $19 million in fiscal 2016 to $3 million in fiscal 2025, down 19.9% a year; it rose in 4 of 8 years; the deepest fall was 130% from fiscal 2017 to fiscal 2023; net income was positive in 2 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-19.9%bottom 6% of its family
  • the share of years revenue rosebottom 12% of its family
  • the share of filed years with a profitbottom 5% of its family
  • the deepest fall from a revenue peak129.6%bottom 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate
1.7/10

How has it treated the people who own it?

SI estimate 1.7/10, confidence 35 of 100 (one part).

weight 45% of this tense · 17th percentile among 60 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the share count over the years, which ranks in the bottom 17% of 60 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
one part: the share count over the years, the one part on file, ranked among 60 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Oxbridge Re Holdings Limited's shareholder treatment is put at 1.7 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 17% of 60 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

3.9/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
3.8/10

Is it financially healthy right now?

ROE -35%: lost 35¢ per shareholder dollar. Leverage 27%: owes 27¢ per asset dollar.

weight 45% of this tense · 38th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Oxbridge Re Holdings Limited lost about 35 cents for every dollar of shareholders' money. Leverage: it owed about 27 cents per dollar of assets, and net share issuance: its share count grew 21.2% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 1% of its family
  • return on equitybottom 8% of its family
  • the share count against the year beforebottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
3.3/10

How strong is its position in its industry?

bottom 33% of 60 in its family; net margin -80.7%.

weight 33% of this tense · 33rd percentile among 60 sector filers · read for its customers

From the record

Oxbridge Re Holdings Limited's standing among 60 graded names in its industry family: revenue of $3 million in fiscal 2025 ranks in the bottom 3% by size; a net margin of -80.7% ranks in the bottom 4%; revenue growth of 44.7% a year over the last 3 filed years ranks in the top 7% (its annual reports).

What it rests on

  • revenue against the family$2.6Mbottom 3% of its family
  • net margin-80.7%bottom 4% of its family
  • three-year revenue growth44.7%top 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.2/10

What are the people in charge doing?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 54 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, so the desk assumes the typical reading of its industry family, the median of 54 members with one.
What the record cannot read
Fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title.
How it was reasoned
family median, 54 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Oxbridge Re Holdings Limited's leadership is put at 5.2 of 10 with a confidence of 20 of 100, because fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, so the desk assumes the typical reading of its industry family, the median of 54 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.7/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.3/10

How much room does it have to grow?

bottom 33% of 60 in its family for room to expand.

weight 33% of this tense · 33rd percentile among 60 sector filers · read for itself

From the record

Oxbridge Re Holdings Limited's room to grow, from the newest filed statements (fiscal 2025): cash of $268 thousand against no long-term debt tagged leaves 3.3% of its assets as net cash, top 42% of its family; cash from operations less capital spending is -52.9% of revenue (bottom 8%) (its annual report).

What it rests on

  • cash less debt against assets3.3%top 42% of its family
  • cash from operations less capital spending against revenue-52.9%bottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
8.8/10

What could actually drive growth from here?

top 12% of 56 in its family for growth drivers.

weight 33% of this tense · 88th percentile among 56 sector filers · read for its customers

From the record

Oxbridge Re Holdings Limited's growth drivers, from the filed years to fiscal 2025: revenue grew 44.7% a year over the last three filed years against -19.9% over all 10, speeding up (top 1% of its family); the newest year grew 372.5% (top 1%); capital spending grew 2.7% a year (top 35%) (its annual reports). Oxbridge Re Holdings Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+64.7 points a yeartop 1% of its family
  • the newest year's revenue growth372.5%top 1% of its family
  • three-year growth of capital spending2.7%top 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
8.0/10

Did its newest year beat what its own record pointed to?

top 21% of 56 in its family for expectations against reality.

weight 33% of this tense · 79th percentile among 56 sector filers · read for its shareholders

From the record

Oxbridge Re Holdings Limited's newest year against its own record: revenue of $3 million in fiscal 2025 came in 488.8% above the $438 thousand its prior three years' pace pointed to (top 3% of its family); net income of $2 million against a prior three-year average of $5 million (bottom 44%); a net margin of -80.7% against losses larger than its revenue before (top 3%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace488.8%top 3% of its family
  • net income against the prior three years' average+57%bottom 44% of its family
  • net margin against its prior averageup more than 100 pointstop 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton OXBR · research, not advice