Monitor the sustainability of profitability improvements as investment gains are non-recurring; assess whether tokenholder loss allocation can offset ongoing underwriting losses in future quarters.
Price Chart
Executive Summary
Oxbridge Re Holdings reported a net income of $120,000 for Q4 2025, reversing a $460,000 loss from the same quarter last year, driven by reduced investment losses and allocation of underwriting losses to tokenholders. Full-year net loss narrowed to $2.08 million from $2.73 million despite a 120% combined ratio due to Hurricane Milton-related claims.
Key Financial Metrics
Key Facts
- Q4 2025 net income of $120,000 ($0.02 per share) vs. $460,000 loss ($0.05) in Q4 2024
- Full-year 2025 net loss of $2.08 million ($0.28/share) vs. $2.73 million ($0.45/share) in 2024
- Net premiums earned declined YoY in Q4 ($555K vs. $595K) and for full year ($2.287M vs. $2.303M)
- Combined ratio deteriorated to 264.1% in 2025 from 94.3% in 2024 due to 119.9% loss ratio from Hurricane Milton
- Restricted cash and cash equivalents increased to $6.98 million as of Dec 31, 2025
Financial Impact
Reduced net loss by $650K YoY despite declining premiums and deteriorating underwriting profitability
Risk Factors
- Deteriorating underwriting performance with combined ratio over 264% in 2025
- Dependence on investment gains to offset underwriting losses
- Concentration risk from catastrophe exposure as demonstrated by Hurricane Milton losses
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001493152-26-013607 |
| Document: form8-k.htm | 0001493152-26-013607 |
| Document: 0001493152-26-013607-index-headers.html | 0001493152-26-013607 |
| Document: 0001493152-26-013607-index.html | 0001493152-26-013607 |
| Document: 0001493152-26-013607.txt | 0001493152-26-013607 |
| 8-K Data (Synthetic) | 0001493152-26-013607 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
May 11, 2026 24w ago | 8-K | $0.1072 $0.1072 | · 0.00% | ▲ +1.73% | — |
Mar 30, 2026 30w ago | 8-K | $0.1072 $0.1002 | ▼ −6.53% | ▼ −15.95% | — |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers