Oxbridge Re Holdings Q2 2025 Earnings Call Transcript Summary:

Oxbridge Re Holdings Limited reported Q2 2025 earnings, with Chairman, President, and CEO Jay Madhu, and CFO Wrendon Timothy, presenting the results. The company's Q2 2025 earnings conference call was held on August 14, 2025. The discussion focused on the company's financial performance and future outlook.

Oxbridge Re Holdings Limited (NASDAQ: OXBR) reported its Q2 2025 earnings on August 14, 2025, during a conference call hosted by Chairman, President, and CEO Jay Madhu, and Chief Financial Officer Wrendon Timothy. The company highlighted its financial performance and strategic initiatives.

Financial Performance

- Net Premiums Earned: Net premiums earned for the quarter ended June 30, 2025, increased to $582,000 from $564,000 in the same period last year [2].
- Net Loss: The company reported a net loss of $1.87 million for the quarter, compared to a net loss of $821,000 in the same period last year. The increase in net loss was primarily due to the adverse development and loss recognition from Hurricane Milton [2].
- Total Expenses: Total expenses increased to $3.61 million for the quarter, up from $628,000 in the same period last year. This increase was driven by higher general and administrative expenses, increased human resources and personnel costs, and legal expenditures [2].

Financial Ratios

- Loss Ratio: The loss ratio increased to 394% for the quarter, up from 200% in the same period last year. This increase was primarily due to the full limit loss of $2.29 million on one of the reinsurance contracts affected by Hurricane Milton [2].
- Expense Ratio: The expense ratio increased to 227% for the quarter, up from 111.3% in the same period last year. The increase was primarily due to increased professional costs relating to investor relations and web3 subsidiary marketing and operations [2].
- Combined Ratio: The combined ratio increased to 621% for the quarter, up from 111.3% in the same period last year. The increase was due to higher general and administrative expenses and the losses incurred during the quarter [2].

Strategic Initiatives

- Tokenized Reinsurance: Oxbridge Re continues to expand its footprint in the tokenized reinsurance market. The company announced a strategic partnership with the Midnight Network, a privacy-focused blockchain built by Shielded Technologies, a subsidiary of Input Output Global (IOG) [2].
- Growth Opportunities: The company highlighted its launched 2025–2026 tokenized reinsurance offerings, which provide a diverse range of investment opportunities within the $750 billion reinsurance market. These offerings include a balanced-yield product targeting a 20% annual return and a high-yield product targeting a 42% annual return [2].

Looking Ahead

The company is scheduled to host an Extraordinary General Meeting to approve measures that will accelerate its strategy and strengthen its leadership. These initiatives, combined with its focus on transparency, position Oxbridge Re to capture significant growth opportunities in the quarters ahead.

References

[1] https://www.zonebourse.com/cours/action/OXBRIDGE-RE-HOLDINGS-LIMI-16451852/actualite/Transcript-Oxbridge-Re-Holdings-Limited-Q2-2025-Earnings-Call-Aug-14-2025-50837684/?srsltid=AfmBOoqdW-eQxN2-5cvpT42EmNF15vOHaM407d5O5uIqa2FLftW3E-x8
[2] https://finance.yahoo.com/news/oxbridge-highlights-growth-tokenized-reinsurance-200000876.html