📊 OXBRW Key Takeaways
Is OXBRIDGE RE HOLDINGS Ltd (OXBRW) a Good Investment?
Oxbridge RE is burning cash at an unsustainable rate with only $268K remaining while posting $1.3M negative operating cash flow, creating an imminent liquidity crisis. Despite impressive 372% revenue growth, the company generates -$2.1M net loss on $2.6M revenue (80.7% net margin), indicating severe fundamental issues with unit economics in its insurance operations. With minimal cash runway and persistent operational losses despite top-line growth, viability is at serious risk without immediate capital infusion or dramatic operational restructuring.
Why Buy OXBRIDGE RE HOLDINGS Ltd Stock? OXBRW Key Strengths
- Exceptional revenue growth of 372% YoY demonstrates market demand and business scaling
- Zero long-term debt eliminates refinancing risk and leverage concerns
- Improving net loss trajectory (23.7% YoY improvement) suggests some operational progress
OXBRW Stock Risks: OXBRIDGE RE HOLDINGS Ltd Investment Risks
- Critical liquidity crisis: $268K cash with -$1.3M annual operating burn creates only 2-3 months of runway
- Severe unprofitability with -80.6% operating margin and -80.7% net margin indicates broken business model
- Insurance sector fundamentally requires profitability; losses this severe are unsustainable and suggest underwriting failure
- Negative free cash flow of -$1.4M demonstrates business is destroying shareholder value despite revenue growth
- No insider activity in past 90 days suggests lack of confidence from management in turnaround
Key Metrics to Watch
- Cash runway and burn rate trajectory - current rate suggests 2-3 months viability
- Operating cash flow trends - path to positive cash generation is critical
- Combined ratio and underwriting losses - insurance-specific metric showing if core business is viable
- Revenue retention and customer acquisition costs - determine if growth is sustainable
- Capital raise announcements - only realistic near-term path to solvency
OXBRIDGE RE HOLDINGS Ltd (OXBRW) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
OXBRW Profit Margin, ROE & Profitability Analysis
OXBRW vs Finance Sector: How OXBRIDGE RE HOLDINGS Ltd Compares
How OXBRIDGE RE HOLDINGS Ltd compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is OXBRIDGE RE HOLDINGS Ltd Stock Overvalued? OXBRW Valuation Analysis 2026
Based on fundamental analysis, OXBRIDGE RE HOLDINGS Ltd has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
OXBRIDGE RE HOLDINGS Ltd Balance Sheet: OXBRW Debt, Cash & Liquidity
OXBRW Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: OXBRIDGE RE HOLDINGS Ltd's revenue has grown significantly by 112% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.45 indicates the company is currently unprofitable.
OXBRW Revenue Growth, EPS Growth & YoY Performance
OXBRW Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $124.0K | -$187.0K | $-0.02 |
| Q2 2025 | -$81.0K | -$821.0K | $-0.14 |
| Q1 2025 | -$125.0K | -$139.0K | $-0.02 |
| Q3 2024 | -$6.4M | -$85.0K | $-0.09 |
| Q2 2024 | -$81.0K | $57.0K | $0.01 |
| Q1 2024 | -$125.0K | $142.0K | $0.02 |
| Q3 2023 | -$6.4M | $77.0K | $0.37 |
| Q2 2023 | $503.0K | $57.0K | $0.01 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
OXBRIDGE RE HOLDINGS Ltd Dividends, Buybacks & Capital Allocation
OXBRW SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for OXBRIDGE RE HOLDINGS Ltd (CIK: 0001584831)
📋 Recent SEC Filings
❓ Frequently Asked Questions about OXBRW
What is the AI rating for OXBRW?
OXBRIDGE RE HOLDINGS Ltd (OXBRW) has an AI rating of STRONG SELL with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are OXBRW's key strengths?
Claude: Exceptional revenue growth of 372% YoY demonstrates market demand and business scaling. Zero long-term debt eliminates refinancing risk and leverage concerns.
What are the risks of investing in OXBRW?
Claude: Critical liquidity crisis: $268K cash with -$1.3M annual operating burn creates only 2-3 months of runway. Severe unprofitability with -80.6% operating margin and -80.7% net margin indicates broken business model.
What is OXBRW's revenue and growth?
OXBRIDGE RE HOLDINGS Ltd reported revenue of $2.6M.
Does OXBRW pay dividends?
OXBRIDGE RE HOLDINGS Ltd does not currently pay dividends.
Where can I find OXBRW SEC filings?
Official SEC filings for OXBRIDGE RE HOLDINGS Ltd (CIK: 0001584831) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OXBRW's EPS?
OXBRIDGE RE HOLDINGS Ltd has a diluted EPS of $-0.28.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is OXBRW a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, OXBRIDGE RE HOLDINGS Ltd has a STRONG SELL rating with 88% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is OXBRW stock overvalued or undervalued?
Valuation metrics for OXBRW: ROE of -35.1% (sector avg: 12%), net margin of -80.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy OXBRW stock in 2026?
Our dual AI analysis gives OXBRIDGE RE HOLDINGS Ltd a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is OXBRW's free cash flow?
OXBRIDGE RE HOLDINGS Ltd's operating cash flow is $-1.3M, with capital expenditures of $16.0K. FCF margin is -52.9%.
How does OXBRW compare to other Finance stocks?
Vs Finance sector averages: Net margin -80.7% (avg: 25%), ROE -35.1% (avg: 12%), current ratio N/A (avg: 1.2).