Oxbridge Re Holdings Limited — financial distress indicators
Financial-health summary
Oxbridge Re Holdings Limited's reported numbers place it in the 'Watch' financial-health band (distress score 40/100). The main indicators are consecutive annual losses, deep share-price drawdown and extreme volatility. In its favour: revenue still growing (+372% yoy).
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Net loss in each of the last two years.
Sustained losses at a lender usually mean credit losses are outrunning provisions — a risk-management failure.
Price is -51% from its 52-week high.
For financial firms a share-price run often precedes a deposit or funding run (confidence channel).
Annualised volatility is 97%.
High equity volatility raises the market-implied default probability.
Share count up +20% in a year.
Large issuance usually funds operating losses rather than growth.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- Revenue still growing (+372% YoY).
📰 Recent news scan
- Oxbridge Re Holdings (OXBR) Slides 5.26% to $1.08, Testing the Lower Edge of Its Recent Range - AI Trade Signals - https://www.dars.gov.et/Google News · 2026-10-06
- 02105 News & Events - Intellectia AIGoogle News · 2026-10-05
- OXBR: Oxbridge Re Holdings Ltd Latest Stock Price, Analysis, News and Trading Ideas - StocktwitsGoogle News · 2026-09-09
- Oxbridge Re Holdings Limited Q2 2026 Earnings Call Summary - Yahoo FinanceGoogle News · 2026-08-14
- Oxbridge Re Highlights Strong Q1 2026 Execution, Platform Growth and Market Opportunity - GlobeNewswireGoogle News · 2026-05-11
⚖️ U.S. legal pathway — state insurance receivership
- Insurance companies are excluded from Title 11 (§109(b)(2)); they are rehabilitated or liquidated by the state insurance commissioner.
- State guaranty associations protect policyholders up to statutory limits; shareholders rank last.
- The listed holding company can still file Chapter 11. Warning signs: risk-based capital ratios near action levels, reserve deficiencies, catastrophe losses.
Frequently asked questions
What do Oxbridge Re Holdings Limited's financial-health indicators show?
As of 2026-10-08, Oxbridge Re Holdings Limited's public financial data places it in the 'Watch' band with a distress score of 40/100, driven by consecutive annual losses, deep share-price drawdown and extreme volatility. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is Oxbridge Re Holdings Limited's financial distress score?
40/100 ('Watch').
What works in Oxbridge Re Holdings Limited's favour?
Revenue still growing (+372% YoY).
How are shareholders treated if a company enters insolvency?
In a Chapter 11 reorganisation the absolute priority rule pays secured lenders, then unsecured creditors, before shareholders — so existing shares are usually cancelled or heavily diluted. In Chapter 7 the company is liquidated and shareholders rarely recover anything.
Other Insurance companies with distress indicators
- Porch Group, Inc. (PRCH)Watch 43/100
- Reliance Global Group, Inc. (EZRA)Watch 39/100
- MBIA Inc. (MBI)Watch 37/100
- Presurance Holdings, Inc. (PRHI)Watch 36/100
- Goosehead Insurance, Inc. (GSHD)Watch 35/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.