Oxbridge Re Holdings Limited (OXBR) Earnings Call Transcripts
Oxbridge Re Holdings Limited's Latest Earnings Call - Q4 FY2025
In the fiscal year 2025, Oxbridge Re Holdings Limited (OXBR:US) reported total revenues of $2.58 million, a significant increase from $546,000 in the previous year, driven by improved net investment income and a decrease in unrealized losses. However, the company faced challenges with underwriting losses, particularly related to Hurricane Milton, resulting in a net loss of $2.08 million for the year, although this was an improvement from the $2.73 million loss in fiscal 2024. Management maintained a cautious outlook, emphasizing their disciplined approach to underwriting and the potential for growth in the tokenized reinsurance market, while targeting returns of 20% and 42% for their upcoming offerings.
Reported metrics
| Metric | Value |
|---|---|
| Total Revenue | $2.58 million (beat) |
| Net Income (Loss) | $2.08 million loss (beat) |
| Net Premiums Earned | $2.3 million (inline) |
| Cash and Cash Equivalents | $7 million (positive) |
| Loss Ratio | 119.9% (negative) |
| Combined Ratio | 264% (negative) |
Guidance from management
Management is targeting returns of 20% and 42% for their T20 and T42 offerings in the upcoming contract cycle, expressing optimism about favorable market conditions due to El Nino effects.
What management said
Yes. Yes. We have about $6.9 million in cash and restricted cash. That puts us in great position not only to do things with the reinsurance tokenization, but also to evaluate other opportunities. So great position, great opportunities ahead.
Thank you for joining us on today's call. Before we conclude, I would like to extend my gratitude to our employees, business partners and investors for their unwavering support. I particularly want to acknowledge our dedicated Oxbridge team whose extensive expertise has been instrumental in navigating and advancing our business. We anticipate providing you with further updates to our progress during the next call. An...
What analysts pressed on
Analysts expressed concerns regarding the high expense and loss ratios, particularly in light of the underwriting losses associated with Hurricane Milton. There were inquiries about the sustainability of the current growth trajectory and the impact of rising operational costs on future profitability.
Main topics on the call
- Revenue Growth — Total revenue for the fiscal year ended December 31, 2025, was $2.58 million, compared to $546,000 in 2024, reflecting a strong year-over-year growth. Management noted, 'We are encouraged by the performance of our 2025 a...
- Underwriting Losses — The company reported significant underwriting losses due to Hurricane Milton, with a combined ratio increasing to 264% for the fiscal year. This was attributed to 'higher general and admin expenses and losses incurred du...
- Investment Income — Net investment income increased to $314,000 for the fiscal year, up from $248,000 in 2024. This growth was noted as a positive factor in offsetting some losses, with management stating, 'the change is primarily due to hi...
- Cash Position — Cash and cash equivalents increased to approximately $7 million, providing a strong liquidity position for future investments. Management highlighted, 'We have about $6.9 million in cash and restricted cash,' indicating ...
Read the full Oxbridge Re Holdings Limited transcript (Q4 FY2025) → Summary generated from the call transcript; every figure above is stated by management on the record.
About Oxbridge Re Holdings Limited
Oxbridge Re Holdings Limited (OXBR) is a publicly listed company in the Insurance industry, within the Financials sector. It trades on NasdaqCM and is based in US. EarningsCalls.dev maintains a free, full-text archive of its earnings call transcripts — 25 calls on record spanning March 23, 2020 to May 11, 2026. Every transcript is split into speaker-by-speaker segments with headline metrics, free to read or available through our REST API.
Earnings Call History
EarningsCalls.dev has 25 Oxbridge Re Holdings Limited earnings call transcripts on record, spanning March 23, 2020 to May 11, 2026. Based on this history, Oxbridge Re Holdings Limited reports quarterly. The most recent call on file is dated May 11, 2026. The full list is below — each row opens the complete, free-to-read transcript.
- Ticker
- OXBR
- Exchange
- NasdaqCM
- Country
- US
- Sector
- Financials
- Industry
- Insurance
- Calls on record
- 25
- First call
- March 23, 2020
- Most recent
- May 11, 2026
- Reporting cadence
- quarterly