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Visual21 Nov 2025
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Oxbridge Re Holdings Limited (OXBR) investor relations material
Oxbridge Re Holdings Limited Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Focused on fortifying and innovating the core reinsurance business, with selective, data-driven underwriting and full collateralization for transparency, while expanding into Web3 and tokenized reinsurance through SurancePlus/AssurancePlus.
SurancePlus tokenized reinsurance offerings outperformed, with Balanced Yield Token tracking 25% (vs. 20% target) and High Yield Token on track for 42% annual return.
Net loss for Q3 2025 narrowed to $187,000 ($0.02 per share) from $540,000 ($0.09 per share) year-over-year, mainly due to lower unrealized losses on investments.
Net loss for the nine months ended September 30, 2025 was $2.19 million ($0.30 per share), down from $2.27 million ($0.37 per share) year-over-year.
SurancePlus completed private placements for EpsilonCat Re, ZetaCat Re, and EtaCat Re tokens, raising over $6 million in aggregate.
Financial highlights
Net premiums earned for Q3 2025 were $555,000, down from $595,000 year-over-year; nine-month net premiums increased to $1.73 million from $1.71 million.
Total revenue for Q3 2025 was $645,000, up from $205,000 in Q3 2024; nine-month total revenue rose to $2 million from $124,000.
General and administrative expenses for Q3 2025 were $754,000, up from $432,000 in Q3 2024; nine months: $2.52 million, up from $1.49 million.
Full limit loss of $2.3 million recognized in the nine months due to Hurricane Milton, with $1.18 million net impact on equity after tokenholder share.
SurancePlus management fee income for nine months: $312,000.
Outlook and guidance
Tokenized reinsurance contracts are on track to exceed or meet return targets, with the balance sheet token expected to achieve 25% and the high-yield token 42%.
Considering regular dividend payouts for security-backed tokens to align with investor preferences.
Management expects to meet short-term liquidity needs through operating cash flows, investment income, and equity offerings.
No plans to issue debt; future operations expected to be funded by cash flows and potential equity raises.
Continued focus on underwriting quality, scaling compliant distribution, and enhancing product accessibility.
How will regular CatRe token dividends impact demand?
How will you mitigate future large single-event losses?
What are key challenges scaling Web3 distribution?
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Next Oxbridge Re Holdings Limited earnings date
Q4 202526 Mar, 2026
Next Oxbridge Re Holdings Limited earnings date
Q4 202526 Mar, 2026
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Frequently asked questions
Oxbridge Re Holdings Limited is a reinsurance holding company that primarily engages in providing reinsurance solutions to property and casualty insurers. The company's operations are focused on underwriting reinsurance contracts that cover risks associated with natural disasters such as hurricanes and earthquakes. Oxbridge Re Holdings offers these services primarily in the Caribbean region, focusing on reducing the financial impact of catastrophic events for its clients. The company underwrites a variety of reinsurance products that are tailored to meet the specific risk management needs of insurance companies. The company is headquartered in George Town, Cayman Islands, and its shares are listed on the NASDAQ.
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