Oxbridge Re Holdings Ltd
oxbridgere.comWhat Do They Do?
Underwrites property catastrophe reinsurance for property and casualty insurers, mainly in the Gulf Coast, and offers tokenized interests in reinsurance contracts to investors.
10-K for FY2025, filed Mar 30, 2026
How Do They Make Money?
Insurers pay premiums for coverage under reinsurance contracts, usually in installments; those premiums are earned across the contract term. SurancePlus earns fees tied to tokenized reinsurance offerings and placement of underlying policies when the policies are placed.
10-K for FY2025, filed Mar 30, 2026Reinsurance is an arrangement in which an insurance company, referred to as the reinsurer, agrees to assume from another insurance company…View ↗
Property reinsurance products are often written in the form of treaty reinsurance contracts, which are contractual arrangements that…View ↗
Excess-of-loss contracts are typically written on a losses-occurring basis, which means that they cover losses that occur during the…View ↗
SurancePlus incentive, technology, origination and management (“ITOM”) fee income represents fee income related to the completion of the…View ↗
$2.6M
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10-K for FY2025, filed Mar 30, 2026
$2.6M ↗
Who Are Their Customers?
Reinsurance brokers arrange and place contracts, and generally pass premium payments from ceding insurers to Oxbridge. SurancePlus offers tokenized securities to accredited U.S. investors and international investors.
10-K for FY2025, filed Mar 30, 2026Reinsurance brokers play an important role in the reinsurance market. Brokers are intermediaries that assist the ceding company in…View ↗
We expect that, in the future, the majority of our business will be sourced through reinsurance brokers. Brokerage distribution channels…View ↗
Accordingly, SurancePlus was incorporated to further innovate upon existing capital raising mechanisms of Oxbridge Re NS for…View ↗
Do Revenues Turn Into Profits?
No. It lost $2.1M in FY2025.
10-K for FY2025, filed Mar 30, 2026
−$6.2MView ↗
10-K for FY2025, filed Mar 30, 2026
−$2.1MView ↗
10-K for FY2025, filed Mar 30, 2026
−$1.4MView ↗
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Aug 13, 2026
$176KView ↗
- ▲ Now profitable
- vs −$1.9M in Q2 FY2025
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Aug 13, 2026
Oxbridge launched an AI infrastructure business for data centers
AI GridWorks will develop, own and operate data centers and related infrastructure; Oxbridge also expanded SurancePlus to third-party reinsurance opportunities.
Sources
8-K, filed Aug 13, 2026
GRAND CAYMAN, Cayman Islands, August 13, 2026 - Oxbridge Re Holdings Limited (NASDAQ: OXBR) (the “Company”), together with its…View ↗
Shrinking. Revenue fell 75% in 4 years, from $10.2M in FY2021 to $2.6M in FY2025, about 29% a year.
Broader tokenization scope
The older report framed SurancePlus around tokens tied to Oxbridge-underwritten reinsurance; the latest report also plans tokenization offerings for other real-world assets, including assets held or acquired by third parties.
10-K for FY2022, filed Mar 30, 2023 10-K for FY2025, filed Mar 30, 2026In addition to our historical reinsurance business operations, in 2023, our subsidiary SurancePlus Inc. (“SurancePlus”) began developing…View ↗
Who Do They Compete With?
Competes with Renaissance Re, Berkshire Hathaway, PartnerRe, Aeolus, and Nephila
10-K for FY2025, filed Mar 30, 2026Our competitors include Renaissance Re, Berkshire Hathaway, PartnerRe Ltd, Aeolus and Nephila which are dominant companies in the…View ↗
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