Oxbridge Re Holdings (NasdaqCM:OXBR) - Share price, News & Analysis

OXBR fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	3/6
Dividends	0/6

OXBR Stock Overview

Oxbridge Re Holdings Limited, together with its subsidiaries, provides specialty property and casualty reinsurance solutions.

Rewards

Price-To-Earnings ratio (3.4x) is below the US market (14.9x)

Earnings grew by 2283% over the past year

Risk Analysis

High level of non-cash earnings

Does not have a meaningful market cap ($28M)

Oxbridge Re Holdings Competitors

Everest Re Group

NYSE:RE

US$10.8b

SiriusPoint

NYSE:SPNT

US$913.4m

Blue Capital Reinsurance Holdings

OTCPK:BCRH.F

US$799.4k

Berkshire Hathaway

NYSE:BRK.A

US$680.9b

Price History & Performance

Summary of all time highs, changes and price drops for Oxbridge Re Holdings
Historical stock prices
Current Share Price	US$4.85
52 Week High	US$7.13
52 Week Low	US$2.20
Beta	0.76
1 Month Change	-2.22%
3 Month Change	-10.85%
1 Year Change	105.51%
3 Year Change	317.67%
5 Year Change	-13.39%
Change since IPO	-16.67%

Shareholder Returns

	OXBR	US Insurance	US Market
7D	-0.4%	0.4%	1.0%
1Y	105.5%	2.4%	-15.1%

Return vs Industry: OXBR exceeded the US Insurance industry which returned 2.5% over the past year.

Return vs Market: OXBR exceeded the US Market which returned -13.2% over the past year.

Price Volatility

Is OXBR's price volatile compared to industry and market?
OXBR volatility
OXBR Average Weekly Movement	9.7%
Insurance Industry Average Movement	5.1%
Market Average Movement	7.8%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	2.9%

Stable Share Price: OXBR is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: OXBR's weekly volatility (10%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2013	3	Jay Madhu	https://www.oxbridgere.com

Oxbridge Re Holdings Limited, together with its subsidiaries, provides specialty property and casualty reinsurance solutions. It underwrites reinsurance contracts primarily for property and casualty insurance companies in the Gulf Coast region of the United States. The company distributes its products and solutions through reinsurance brokers.

Oxbridge Re Holdings Fundamentals Summary

How do Oxbridge Re Holdings's earnings and revenue compare to its market cap?
OXBR fundamental statistics
Market Cap	US$28.04m
Earnings (TTM)	US$8.15m
Revenue (TTM)	US$9.91m

3.4x

P/E Ratio

2.8x

P/S Ratio

Is OXBR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
OXBR income statement (TTM)
Revenue	US$9.91m
Cost of Revenue	US$267.00k
Gross Profit	US$9.64m
Other Expenses	US$1.49m
Earnings	US$8.15m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	1.41
Gross Margin	97.30%
Net Profit Margin	82.27%
Debt/Equity Ratio	1.3%

How did OXBR perform over the long term?

See historical performance and comparison

Valuation

Is Oxbridge Re Holdings undervalued compared to its fair value and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry

3.44x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate OXBR's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate OXBR's fair value for valuation analysis.

Price To Earnings Ratio

PE vs Industry: OXBR is good value based on its Price-To-Earnings Ratio (3.4x) compared to the US Insurance industry average (11.1x).

PE vs Market: OXBR is good value based on its Price-To-Earnings Ratio (3.4x) compared to the US market (14.9x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate OXBR's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: OXBR is overvalued based on its Price-To-Book Ratio (1.7x) compared to the US Insurance industry average (1x).

Future Growth

How is Oxbridge Re Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE

9.5%

Forecasted Insurance industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Oxbridge Re Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has Oxbridge Re Holdings performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE

57.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: OXBR has a high level of non-cash earnings.

Growing Profit Margin: OXBR's current net profit margins (82.3%) are higher than last year (22%).

Past Earnings Growth Analysis

Earnings Trend: OXBR has become profitable over the past 5 years, growing earnings by 57.8% per year.

Accelerating Growth: OXBR's earnings growth over the past year (2283%) exceeds its 5-year average (57.8% per year).

Earnings vs Industry: OXBR earnings growth over the past year (2283%) exceeded the Insurance industry -2.6%.

Return on Equity

High ROE: OXBR's Return on Equity (50%) is considered outstanding.

Financial Health

How is Oxbridge Re Holdings's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage

Financial Position Analysis

Short Term Liabilities: OXBR's short term assets ($5.3M) exceed its short term liabilities ($574.0K).

Long Term Liabilities: OXBR's short term assets ($5.3M) exceed its long term liabilities ($282.0K).

Debt to Equity History and Analysis

Debt Level: OXBR has more cash than its total debt.

Reducing Debt: Insufficient data to determine if OXBR's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: OXBR's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if OXBR's interest payments on its debt are well covered by EBIT.

Balance Sheet

Dividend

What is Oxbridge Re Holdings's current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate OXBR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate OXBR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if OXBR's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if OXBR's dividend payments have been increasing.

Earnings Payout to Shareholders

Earnings Coverage: OXBR is not paying a notable dividend for the US market.

Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as OXBR has not reported any payouts.

Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

9.1yrs

Average board tenure

CEO

Jay Madhu (55 yo)

9.08yrs

Tenure

US$293,200

Compensation

Mr. Sanjay Madhu, also known as Jay, is Chief Executive Officer, President, and Chairman of the Board of Directors at Oxbridge Acquisition Corp. since April 2021. Mr. Madhu is a founder of Oxbridge Re Hold...

CEO Compensation Analysis

Compensation vs Market: Jay's total compensation ($USD293.20K) is below average for companies of similar size in the US market ($USD772.05K).

Compensation vs Earnings: Jay's compensation has increased by more than 20% in the past year.

Board Members

Experienced Board: OXBR's board of directors are considered experienced (9.1 years average tenure).

Ownership

Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: OXBR insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Data	Last Updated (UTC time)
Company Analysis	2022/05/25 00:00
End of Day Share Price	2022/05/25 00:00
Earnings	2022/03/31
Annual Earnings	2021/12/31