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- **Reinsurance Resilience**: Q3 net premiums $555K (-7% YoY) but 9M +1.2% to $1.73M.
- **Web3 Expansion**: Tokenized securities attract $750B TAM.
- **Cost Management**: 64% expense growth driven by Web3 initiatives.
- **Token Performance**: EtaCat Re 25% vs. 20% target, ZetaCat Re on track for 42% return.
- **Strategic Shift**: Regular dividends meet Web3 liquidity demand.

**【CEO Opening Remarks】**
- Oxbridge focuses on reinsurance with a selective, data-driven approach, competing with large carriers through disciplined underwriting.
- Launched SurancePlus, the Web3 subsidiary, to tokenize reinsurance securities, broadening investor access beyond ultra-high net worth individuals.

**【CFO Financial Commentary】**
- Q3 2025 net premiums earned decreased to $555,000 (down 7% YoY), but 9M net premiums rose 1.2% to $1.73M.
- Expenses surged 64% YoY to $815,000 due to Web3-related costs, yet net loss narrowed 30% to $187,000 (vs. $540,000 loss in Q3 2024).

**【CEO Strategic Updates】**
- Tokenized contracts (EtaCat Re at 25% vs. 20% target, ZetaCat Re on track for 42% return) demonstrate disciplined underwriting amid a $750B TAM.
- Shifting to regular dividends aligns with Web3 investor demand for liquidity, while maintaining no leverage and full collateralization.
- Operational focus on underwriting diversification, compliant distribution channels, and product innovation for accessibility without risk compromise.

Oxbridge Re Holdings Limited(OXBR)-20251107-2025 Q3 Earnings call transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

OXBR

OXBR fundamentals

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