OXBRIDGE RE HOLDINGS (OXBR) Company Report

Oxbridge Re Holdings (OXBR), a Nasdaq-listed reinsurance underwriter, is democratizing reinsurance investment through its subsidiary SurancePlus.
SurancePlus enables individuals to invest in reinsurance contracts with a minimum of $5,000 by issuing tokenized securities on the Solana blockchain.
The company primarily focuses on Florida hurricane reinsurance risk, specifically for Category 3 or above hurricanes making landfall in populated areas, and operates with a fully collateralized model.
In the past year, SurancePlus issued tokens targeting 42% and 20% returns, which are currently tracking above 42% and about 25% respectively.
Oxbridge Re is considering the potential future spin-off of SurancePlus as its own publicly traded entity, as SurancePlus has two years of PCAOB-audited financials.

3 hours ago

Transcript

Oxbridge Re Discusses Democratization of Reinsurance Investment and Solana Network Expansion

OXBR

New Projects/Investments

Product Launch

Oxbridge Re (OXBR) is a Nasdaq-listed reinsurance underwriter that has democratized access to reinsurance contracts through its subsidiary, SurancePlus, by issuing tokenized securities on the blockchain.
SurancePlus enables individuals to invest in reinsurance contracts with as little as $5,000, a market typically requiring $10 million to $20 million to access.
The company is transitioning SurancePlus to the Solana network to enhance growth opportunities and integrate with the Solana ecosystem.
In the past year, tokenized offerings targeted 42% and 20% returns, with the 20% offering tracking about 25% and the 42% offering tracking slightly above 42%.
Oxbridge Re's primary focus for reinsurance underwriting is Florida hurricane risk, leveraging its expertise in this high-priced market, and SurancePlus has two years of PCAOB-audited financials with potential for a future spin-off.

4 hours ago

Transcript

Oxbridge Re Holdings Details SurancePlus Growth and Solana Integration

OXBR

New Projects/Investments

Product Launch

Guidance Update

Oxbridge (OXBR) is a Nasdaq-listed reinsurance underwriter that has democratized access to reinsurance contracts through its subsidiary, SurancePlus, by issuing tokenized securities on the blockchain.
The company primarily focuses on Florida hurricane reinsurance due to high pricing and deep market understanding, operating on a fully collateralized model for its contracts.
SurancePlus is moving its tokenized security offerings to the Solana network to expand opportunities, with past tokenized offerings targeting 42% and 20% returns, which are currently tracking above their targets.
Management identifies SurancePlus as a significant growth driver and a potential spin-off candidate given its two years of PCAOB-audited financials.

4 hours ago

Transcript

Oxbridge Reports Q3 2025 Financials and Advances Web3 Reinsurance Initiatives

OXBR

Earnings

New Projects/Investments

Dividends

Oxbridge reported a net income of $187,000 or $0.02 per basic and diluted share for the third quarter ended September 30, 2025, a significant improvement from a net loss of $540,000 or $0.09 loss per share in the prior year's quarter.
Total revenue for Q3 2025 increased to $645,000 from $205,000 in Q3 2024, though total expenses also rose to $815,000 from $490,000, primarily due to higher professional, personnel, and legal costs.
The company's Web3 subsidiary, AssurancePlus, is advancing tokenized reinsurance securities, with its 2025-2026 tokenized reinsurance contracts, EDA CAC-RE and ZETA CAC-RE, on pace to achieve 25% and 42% returns, respectively.
Oxbridge is evaluating a move towards regular dividend payouts for its security-backed CAC-RE tokens, shifting from a purely annual payout model to meet Web3 market demand and investor preference.

Nov 6, 2025, 9:30 PM

Transcript

Oxbridge Re Reports Q3 2025 Results and Provides 2025-2026 Contract Performance Updates

OXBR

Earnings

New Projects/Investments

Dividends

Oxbridge Re Holdings reported a net loss of $187,000 (or ($0.02) basic and diluted loss per share) for the quarter ended September 30, 2025, an improvement from a net loss of $540,000 (or ($0.09) basic and diluted loss per share) for the same period in 2024. For the nine months ended September 30, 2025, the net loss was $2.19 million (or ($0.30) basic and diluted loss per share), compared to $2.27 million (or ($0.37) basic and diluted loss per share) for the prior year period.
Net premiums earned for the quarter ended September 30, 2025, decreased to $555,000 from $595,000 for the prior year quarter, while for the nine months ended September 30, 2025, they increased to $1.73 million from $1.71 million for the prior year period.
The company's SurancePlus Balanced Yield Token (EtaCat Re) is tracking an approximate 25% annual return, exceeding its 20% target, and the High Yield Token (ZetaCat Re) remains on track to meet its 42% target for 2025-2026.
The combined ratio for the quarter ended September 30, 2025, increased to 146.8% from 83.7% in the prior year quarter, and for the nine months ended September 30, 2025, it increased to 288.6% from 98% in the prior year period. This increase was primarily due to higher general and administrative expenses and losses incurred, including a 132.4% loss ratio for the nine-month period due to a full limit loss on a reinsurance contract affected by Hurricane Milton.
Oxbridge Re is considering introducing regular dividend payouts on its security-backed CatRe tokens, moving away from a purely annual payout model.

Nov 6, 2025, 9:13 PM

Press Release

Oxbridge Re Holdings Limited Reports Q3 2025 Results and SurancePlus Performance Update

OXBR

Earnings

New Projects/Investments

Guidance Update

Oxbridge Re Holdings Limited reported a net loss of $187,000 (or ($0.02) basic and diluted loss per share) for the three months ended September 30, 2025, an improvement from a net loss of $540,000 (or ($0.09) basic and diluted loss per share) in the prior year period, primarily due to a decrease in unrealized loss on other investments.
Net premiums earned for Q3 2025 decreased to $555,000 from $595,000 for the quarter ended September 30, 2024, while total expenses increased to $815,000 from $498,000, resulting in an expense ratio of 146.8%.
For the nine months ended September 30, 2025, the loss ratio increased to 132.4% due to a full limit loss on one reinsurance contract affected by Hurricane Milton, and the combined ratio rose to 288.6%.
The SurancePlus Balanced Yield Token (EtaCat Re) is tracking an approximate 25% annual return, exceeding its 20% target, and the High Yield Token (ZetaCat Re) remains on track for its 42% target. The company is also considering introducing regular dividend payouts on its security-backed CatRe tokens.
As of September 30, 2025, restricted cash and cash equivalents increased by $1.28 million (21.7%) to $7.18 million from $5.9 million as of December 31, 2024.

Nov 6, 2025, 9:04 PM

8-K

Oxbridge Re Holdings Provides Performance Update on 2025/2026 Tokenized Reinsurance Offerings

OXBR

New Projects/Investments

Guidance Update

Oxbridge Re Holdings (NASDAQ: OXBR) and its subsidiary SurancePlus announced an update on the performance of their 2025/2026 tokenized reinsurance securities.
The EtaCat Re – Balanced Yield Token is tracking 25%, exceeding its targeted 20% return.
The ZetaCat Re – High Yield Token is on track to achieve its targeted 42% return.
Jay Madhu, CEO of Oxbridge, commented that these results demonstrate the company's ability to deliver high-yield, uncorrelated returns.

Nov 3, 2025, 2:00 PM

Press Release

Oxbridge Re Holdings Files Prospectus Supplement for Share Sale

OXBR

On September 16, 2025, Oxbridge Re Holdings Limited filed a prospectus supplement permitting the sale of $2,021,889 of its ordinary shares through an equity distribution agreement with Maxim Group LLC.
This equity distribution agreement (EDA) allows for the issuance and sale of ordinary shares for an aggregate amount of up to US$5,000,000.
As of the filing date, the company had offered and sold $4.58 million in ordinary shares during the prior 12 months.
Following this, $1,672,714 of ordinary shares remain available to be sold pursuant to the prospectus supplement.