Oxbridge Re Holdings Limited Ordinary Shares (OXBR)

FairStock Score: 44/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At 96 cents on 2026-10-13, Oxbridge Re carries a $7.8 million market value and trades at about 1.19 times book value, or a FairStock P/E of 48. That is not the price of a proven compounder; it is the price of a tiny, unproven reinsurer with four employees and a story about tokenized reinsurance and AI infrastructure. The latest filed figures show improvement: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $940,000, net income was $176,000, and diluted EPS was $0.02, versus revenue of $664,000, a net loss of $1.9 million, and diluted EPS of -$0.25 in fiscal Q2 2025. But the longer record is troubling: FY2025 revenue was $2.6 million with a net loss of $2.1 million, FY2024 revenue was $546,000 with a net loss of $2.7 million, and FY2023 had negative revenue of $7.0 million and a net loss of $9.9 million. FairStock's 6.34% ROE and -1.28% ROCE, D/E of 1.88, and Piotroski F-Score of 3/9 do not suggest a durable moat or fortress balance sheet. Growth is real in the latest quarter, but reinsurance underwriting is cyclical and credit-sensitive; without CET1, NIM, or combined ratio in the data, I cannot judge underwriting quality properly. The Lynch category is none because the company has not yet earned a profit over the required span. At book value, the downside may be limited if assets are sound; at 48 times earnings, the upside depends on profits continuing. I need consistency before I could call it a sound value proposition.

In plain English: Oxbridge Re is a very small reinsurance company that also invests in blockchain-based reinsurance products and AI infrastructure. It has lost money in recent years, but its latest reported quarter showed a small profit. At 96 cents a share, the stock looks roughly in line with its accounting value but expensive compared with its recent yearly profit, so the business still looks speculative and unproven.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer