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Oxbridge Re Holdings Ltd (OXBR) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Oxbridge Re Holdings Ltd $0.56, price $1.39, upside -59.6%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN KYG6856M1069

OR Oxbridge Re Holdings Ltd logo Thin data Sep 23, 2026

Oxbridge Re Holdings Ltd

OXBR · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $0.5610 · Strongly overvalued (−60%)
!Quality 36/100
!Mixed Growth (revenue 5y +16.2 %/yr)
!Loss-making · -76.5% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (1/10)
!Narrow moat 17/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$7.06 $0.6849 Fair Value $0.5610 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $0.6849 – $7.06 · fair‑value band $0.3740 – $0.7055 · the $1.39 price screens above the $0.5610 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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.

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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.

Stock analysis

Oxbridge Re Holdings Ltd (OXBR) currently trades at $1.39, while our model-based Fair Value estimate is $0.5610, implying the stock looks roughly 147.8% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 94/100, which puts the evidence level at low.

Scenario range: $0.3740 (bear) to $0.7055 (bull), the price of $1.39 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Oxbridge Re Holdings Ltd 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.

Key figures

Market cap $10.3M · P/S ratio 3.08 · EPS (TTM) $−0.2500 · Net margin −134% · Return on equity −28.8% · Return on assets (EBIT) −27.6% · Operating margin 6.4% · Revenue (TTM) $2.5M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 36% below its 52-week high and 103% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 24% fair-value upside, at −60%, OXBR screens richer than that median.

Fair Value models

Bear $0.3740 Fair Value $0.5610 Bull $0.7055
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $0.4000 $0.5300 $0.7900 54
All 1 models by family
Asset-Based
NCAV (Graham) $0.4000 $0.5300 $0.7900 54

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Quality Score breakdown

Overall quality 36/100

Of which business quality 40 · Market factors (momentum, volatility) 35

Profitability 3
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 66
Price trend over the last 3–12 months (market factor)
52W Momentum 24
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 35/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+372.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+44.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.2%
Start year 2020 (pandemic). Over 10 years: −8.7% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
7.2% (2020) → −134.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

OXBR screens 148% overvalued. Compare with MUV2 →

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Peer Groupⓘ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.Insurance - Reinsurance · 28 stocks

Beats the industry median on 1/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 40 · Bottom 25%
Fair Value upside −60% · Bottom 25%
Profitability
Return on assets −23% · Bottom 25%
Net margin (TTM) −76% · Bottom 25%
Operating margin (TTM) 6% · Bottom 25%
Growth and dividend
Revenue growth −10% · Bottom 25%
Balance sheet
Debt / equity 0.02× · Lowest 25%

Valuation Multiplesvs Insurance - Reinsurance median · lower = cheaper

P/B 1.60× · Pricier than median
P/S (TTM) 4.10× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 47
FUTURE (revenue growth)0 · sector 0
PAST (return on equity)0 · sector 57
HEALTH (low debt)99 · sector 89
DIVIDEND (yield)0 · sector 93

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

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
MUV2 MUV2 €512.60 €433.82 −15%
Swiss Re AG SREN CHF 142.10 CHF 124.90 −12%
Hannover Rück SE HNR1 €259.00 €207.39 −20%
Reinsurance Group RGA $246.75 $198.02 −20%
Everest Group EG $370.96 $410.85 +11%
RenaissanceRe Holdings RNR $328.80 $563.91 +72%
General Insurance Corporation GICRE ₹344.15 ₹427.20 +24%
SCOR SE SCR €32.16 €39.93 +24%
China Reinsurance (Group) Corporation 1508 HK$1.21 HK$2.42 +100%
Hamilton Insurance Group HG $33.74 $52.40 +55%

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Oxbridge Re Holdings Ltd · Fair Value
$0.5610 −148%Fair Value
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Cite: Fair Value Calculator (2026). "Oxbridge Re Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/OXBR

Frequently asked questions

Is Oxbridge Re Holdings Ltd (OXBR) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.5610 versus a price of $1.39, about −60% upside (overvalued).
What is the fair value of OXBR?
Our model-based fair value for Oxbridge Re Holdings Ltd is $0.5610 (as of Sep 23, 2026), built from audited fundamentals. The current price: $1.39.
What is the quality score of OXBR?
Oxbridge Re Holdings Ltd has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Oxbridge Re Holdings Ltd (OXBR)?
Our model-based price target is the fair value of $0.5610 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario $0.3740, optimistic scenario $0.7055. It is a calculation from audited fundamentals, not an analyst target.
What is the Oxbridge Re Holdings Ltd stock forecast for 2026?
Our models put fair value at $0.5610, about −60% upside versus a price of $1.39 (overvalued). Cautious scenario $0.3740, optimistic scenario $0.7055. The calculation is refreshed regularly with new filings.
What is the revenue of Oxbridge Re Holdings Ltd (OXBR)?
Oxbridge Re Holdings Ltd reported trailing-twelve-month revenue of about $2.5M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Oxbridge Re Holdings Ltd (OXBR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oxbridge Re Holdings Ltd it is $0.5610 per share (as of Sep 23, 2026), against a price of $1.39. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Oxbridge Re Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, OXBR trades above its calculated fair value: price $1.39, fair value $0.5610, a gap of about −60% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OXBR?
No. The price is what the market pays today ($1.39); the fair value is what the company's own numbers justify ($0.5610). For Oxbridge Re Holdings Ltd the two are $0.8290 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oxbridge Re Holdings Ltd worth?
The market values Oxbridge Re Holdings Ltd at about $10.3M (market capitalisation, as of Sep 23, 2026). Per share that is $1.39; our models calculate a fair value of $0.5610 per share.
What do the bullish and bearish scenarios say about OXBR?
Our models span a range for Oxbridge Re Holdings Ltd: cautious scenario $0.3740, base $0.5610, optimistic $0.7055 per share (as of Sep 23, 2026, price $1.39). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Oxbridge Re Holdings Ltd (OXBR)?
Balance-sheet figures for Oxbridge Re Holdings Ltd (as of Sep 23, 2026): return on equity −28.8%, debt of 0.02 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is OXBR from its 52-week high?
Oxbridge Re Holdings Ltd trades at $1.39, about 36% below its 52-week high of $2.16 and 103% above the low of $0.6849 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.5610 is for.
Which stocks are comparable to Oxbridge Re Holdings Ltd?
From the same area (Financial Services) we also value MUV2, Swiss Re AG, Hannover Rück SE, Reinsurance Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Oxbridge Re Holdings Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price $1.39, calculated fair value $0.5610 (−60%), Quality Score 36/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OXBR calculated?
We run Oxbridge Re Holdings Ltd through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.5610, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Oxbridge Re Holdings Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Oxbridge Re Holdings Ltd (OXBR)?
The closing price on Sep 23, 2026 was $1.39. Our model-based fair value is $0.5610, about −60% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oxbridge Re Holdings Ltd right 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.

Key figures of Oxbridge Re Holdings Ltd

How large is the market capitalisation of Oxbridge Re Holdings Ltd (OXBR)?
The market capitalisation of Oxbridge Re Holdings Ltd is $10.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Oxbridge Re Holdings Ltd (OXBR)?
The price-to-sales ratio of Oxbridge Re Holdings Ltd is 3.08 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Oxbridge Re Holdings Ltd (OXBR)?
Earnings per share at Oxbridge Re Holdings Ltd are $−0.2500. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Oxbridge Re Holdings Ltd (OXBR)?
The net margin of Oxbridge Re Holdings Ltd is −134% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Oxbridge Re Holdings Ltd (OXBR)?
The return on equity (ROE) of Oxbridge Re Holdings Ltd is −28.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Oxbridge Re Holdings Ltd (OXBR)?
On an EBIT basis the return on assets of Oxbridge Re Holdings Ltd is −27.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Oxbridge Re Holdings Ltd (OXBR)?
The operating margin of Oxbridge Re Holdings Ltd is 6.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oxbridge Re Holdings Ltd (OXBR)?
Revenue at Oxbridge Re Holdings Ltd is growing −10.0% versus a year earlier (3y avg +44.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Oxbridge Re Holdings Ltd (OXBR)?
Earnings per share at Oxbridge Re Holdings Ltd are growing −56.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Oxbridge Re Holdings Ltd (OXBR) generate?
The free cash flow of Oxbridge Re Holdings Ltd is −$1.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Oxbridge Re Holdings Ltd (OXBR) hold?
Oxbridge Re Holdings Ltd holds more cash than debt, $6.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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