Oxbridge Re Holdings Limited (OXBR)

Over the past six months, Oxbridge Re Holdings Ltd. stock has experienced a significant price decrease. The stock price as of April 7, 2026, was $0.77. Key events impacting the stock include the company's Q4 and full-year 2025 results, reported on March 30, 2026. While Oxbridge Re reported a net income of $120,000 for Q4 2025, the full-year 2025 net loss was $2.08 million. The company's underwriting metrics deteriorated sharply in 2025, with the loss ratio jumping to 119.9% and the combined ratio to 264.1%.

The demand for Oxbridge Re Holdings Ltd.'s traditional reinsurance products is seasonal, driven by the annual contract cycle and the timing of natural catastrophe events, particularly hurricanes in the U.S. Gulf Coast region. The company prepares for its contract cycles with offerings targeting specific annual returns. For its tokenized reinsurance securities through SurancePlus, the investment product aims to deliver consistent, uncorrelated returns, potentially attracting investors seeking diversification. The company is also considering introducing regular dividend payouts on its security-backed CatRe tokens.

Oxbridge Re Holdings Ltd. is a Cayman Islands-based specialty property and casualty reinsurer operating in the Financial sector. It provides reinsurance solutions to property and casualty insurance companies in the U.S. Gulf Coast, particularly Florida, specializing in medium frequency, high severity risks. Oxbridge Re has digitized reinsurance securities into accessible, high-yield Real-World Assets (RWAs) through its Web3 subsidiary, SurancePlus, offering tokenized reinsurance securities to investors. The company also offers fractional aircraft ownership, jet card, aircraft brokerage, and charter services.

Oxbridge Re Holdings Ltd. is headquartered in the Cayman Islands, with a primary focus on the U.S. Gulf Coast region, especially Florida, for its reinsurance business. Its licensed reinsurance subsidiaries facilitate property and casualty reinsurance purchases in this region. SurancePlus aims for global distribution of its tokenized reinsurance offerings across various blockchain networks.

Oxbridge Re's brand reputation has been shaped by its innovative strides in tokenized reinsurance and the financial impact of Hurricane Milton. SurancePlus's tokenized reinsurance offerings have demonstrated strong performance, positively contributing to its reputation in the digital asset and reinsurance markets. The company has also actively participated in global RWA and Web3 ecosystem events, enhancing its visibility. However, the impact of Hurricane Milton led to underwriting losses, highlighting the inherent risks in the traditional reinsurance business.

Oxbridge Re Holdings is owned by a mix of institutional shareholders, company insiders, and retail investors. Approximately 9.63% of the company is owned by institutional shareholders, 29.12% by Oxbridge Re Holdings insiders, and 61.25% by retail investors. Major individual shareholders include Allan S. Martin, Sanjay Madhu, and Paresh Patel. Major institutional owners include Geode Capital Management LLC, Henrickson Nauta Wealth Advisors Inc, and Lpl Financial LLC.