Oxbridge Re Holdings (OXBR) Fair Value & Analysis

Financial Services · US · Market cap $7.7M

Below-average quality, and screening another 58% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($0.7055). The favourable scenario is already priced in.
• Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
• A fairly wide model range ($0.3740 to $0.7055) leaves room in how you read the outcome.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $0.6849 – $7.06 · fair‑value band $0.3740 – $0.7055 · the $1.33 price screens above the $0.5610 fair value. Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

Oxbridge Re Holdings (OXBR) currently trades at $1.33, while our model-based Fair Value estimate is $0.5610, implying the stock looks roughly 57.8% overvalued today. The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).

Over the trailing twelve months, Oxbridge Re Holdings generated revenue of $2.5M at a net margin of -76.5%. Revenue declined 10.0% year over year. It earns a return on equity of -28.8%. The balance sheet holds a net cash position of $6.8M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $0.3740 (bear case) to $0.7055 (bull case); at $1.33, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 53% below its 52-week high and 102% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 96% fair-value upside, at -58%, OXBR screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Key figures & financial health

Quality Score breakdown

About the company

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

Full company description

Oxbridge Re Holdings Limited, through its subsidiaries, provides specialty property and casualty reinsurance solutions. The company underwrites collateralized reinsurance contracts primarily for property and casualty insurance companies in the Gulf Coast region of the United States. It also issues reinsurance contracts through digital securities by blockchain technology. It distributes its products and solutions through reinsurance brokers. Oxbridge Re Holdings Limited was incorporated in 2013 and is headquartered in George Town, the Cayman Islands.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Oxbridge Re Holdings reported revenue of $2.6M in FY2025 versus $10.2M in FY2021, a compound −29.1%/yr. Reported net income was −$3.5M in FY2025.

OXBR screens 58% overvalued. Compare with 1MUV2 →

Peer Group

Insurance - Reinsurance · 28 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Insurance - Reinsurance median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.