Financial Performance - For the three months ended June 30, 2022, net premiums earned were $194,000, a decrease from $205,000 in the same period of 2021[161]. - Net income for the quarter ended June 30, 2022, was $77,000, or $0.01 per share, compared to a net income of $448,000, or $0.08 per share, for the same quarter in 2021[161]. - Total revenue for the six months ended June 30, 2022, was $505,000, down from $1,125,000 in the same period of 2021[161]. - The company reported a net loss of $310,000, or ($0.05) per share, for the six months ended June 30, 2022, compared to a net income of $476,000, or $0.08 per share, for the same period in 2021[161]. Underwriting and Expense Ratios - The combined ratio for the three months ended June 30, 2022, was 211.3%, compared to 162.9% for the same period in 2021[162]. - The loss ratio for the three and six-month periods ended June 30, 2022, was 0%, indicating no losses incurred during these periods[169]. - The acquisition cost ratio increased from 10.7% for the quarter ended June 30, 2021, to 10.8% for the same quarter in 2022, while remaining consistent at 10.9% for the six-month periods[170][171]. - The expense ratio increased from 162.9% for the three-month period ended June 30, 2021, to 211.3% for the same period in 2022, and from 157.3% to 191.1% for the six-month periods[172][173]. - The combined ratio increased from 162.9% for the three-month period ended June 30, 2021, to 211.3% for the same period in 2022, and from 157.3% to 191.1% for the six-month periods[174][175]. Premiums and Investment Income - Assumed premiums for the three months ended June 30, 2022, were $669,000, down from $1,014,000 in the same period of 2021[161]. - Net investment and other income for the three months ended June 30, 2022, was $41,000, compared to $23,000 in the same period of 2021[161]. - The company experienced a significant decline in net realized investment gains, reporting $19,000 for the three months ended June 30, 2022, compared to $755,000 in the same period of 2021[161]. - The change in fair value of equity securities resulted in a loss of $322,000 for the three months ended June 30, 2022[161]. Operating Expenses - Policy acquisition costs and underwriting expenses for the quarter ended June 30, 2022, decreased marginally to $21 thousand from $22 thousand for the same quarter in 2021, but increased to $44 thousand from $42 thousand for the six months ended June 30, 2022[164][165]. - General and administrative expenses for the quarter ended June 30, 2022, increased to $389 thousand from $312 thousand for the same quarter in 2021, and for the six months ended June 30, 2022, increased to $728 thousand from $565 thousand[165][166]. Cash and Reserves - As of June 30, 2022, restricted cash and cash equivalents increased by $281 thousand, or 15%, to $2.17 million from $1.89 million as of December 31, 2021[175]. - As of June 30, 2022, unearned premiums reserve increased by $241 thousand, or 69%, to $591 thousand from $350 thousand at December 31, 2021[179]. - Net cash used in operating activities for the six months ended June 30, 2022, totaled $475 thousand, compared to $208 thousand for the same period in 2021[186][187]. Deferred Acquisition Costs - The company defers certain expenses related to producing reinsurance business, including brokerage fees and premium taxes, which are capitalized as deferred acquisition costs[203]. - Deferred acquisition costs are amortized and charged to expense as premiums assumed are earned, limiting deferral to estimated realizable value[203]. - The recoverability of deferred acquisition costs is dependent on the profitability of the company's reinsurance underwriting[203]. - If underwriting ceases to be profitable, the company may need to write off a portion of deferred acquisition costs, impacting income in the period of recognition[203]. Market Risk Disclosures - As a smaller reporting company, the company is not required to provide quantitative and qualitative disclosures about market risk[204].

Oxbridge Re Holdings Limited (NASDAQ:OXBR) Q1 2022 Earnings Conference Call May 12, 2022 4:30 PM ET Company Participants Wrendon Timothy – Chief Financial Officer and Corporate Secretary Jay Madhu – Chairman, President and Chief Executive Officer Conference Call Participants Kent Engelke – Capitol Securities Management Operator Good afternoon. Welcome to Oxbridge Re’s First Quarter 2022 Earnings Call. My name is Chris, and I will be your conference operator this afternoon. At this time, all participants wil ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 1-36346 OXBRIDGE RE HOLDINGS LIMITED (Exact name of registrant as specified in its charter) Cayman Islands 98-11 ...

Oxbridge Re Holdings Limited (NASDAQ:OXBR) Q4 2021 Results Conference Call March 30, 2022 4:30 PM ET Company Participants Jay Madhu - Chairman, President and CEO Wrendon Timothy - CFO and Corporate Secretary Conference Call Participants Operator Good afternoon, and welcome to Oxbridge Re's Fourth Quarter 2021 Earnings Call. My name is Matthew, and I will be your conference operator this afternoon. At this time, all participants will be on a listen-only mode. Joining us for today's presentation is Oxbridge R ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For The Transition Period From ________ To ________ Commission File Number 1-36346 OXBRIDGE RE HOLDINGS LIMITED (Exact name of registrant as specified in its charter) Cayman Islands 98-1150254 (State or ot ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q(Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 1-36346 OXBRIDGE RE HOLDINGS LIMITED (Exact name of registrant as specified in its charter) | Cayman Islands ...

Financial Data and Key Metrics Changes - Revenues rose, net income increased, and financial and operating ratios strengthened compared to last year [17] - Net premiums earned for Q2 2021 increased to $205,000 from $136,000 last year, while for the first 6 months, it slightly declined to $386,000 from $400,000 [19][20] - Net investment income for Q2 totaled $23,000 compared to $25,000 last year, with net realized investment gains significantly increasing to $755,000 from $320,000 [21] - Net income for Q2 2021 rose to $448,000 or $0.08 per share, compared to a net loss of $199,000 or $0.03 per share for the first 6 months of 2020 [23] Business Line Data and Key Metrics Changes - The loss ratio for the first 6 months of 2021 remained at 0% due to no losses incurred [25] - The acquisition cost ratio decreased to 10.7% for Q2 2021 from 11.1% last year, and to 10.9% for the first 6 months from 11% last year [26] - The expense ratio decreased to 162.9% for Q2 2021 from 220% last year, while it increased to 157.3% for the first 6 months from 143% in 2020 [27][28] - The combined ratio decreased to 152.9% for Q2 2021 from 220% last year, but increased to 157.3% for the first 6 months from 143% in 2020 [29][30] Market Data and Key Metrics Changes - The company continues to monitor the insurance industry and its markets to ensure value delivery to shareholders amidst the ongoing pandemic [11][12] Company Strategy and Development Direction - The company aims to achieve long-term growth and book value per share by writing business selectively and opportunistically [14] - The recent IPO of Oxbridge Acquisition Corp. focuses on acquiring entities in disruptive technologies, indicating a strategic shift towards innovation [16] - The company plans to invest approximately 50% of its equity in reinsurance contracts and emerging technologies [34] Management's Comments on Operating Environment and Future Outlook - Management remains cautious but optimistic about the business's performance, noting no losses incurred to date [11][17] - The company anticipates continued growth and attractive returns for its sidecar investors [18][36] - Management expressed confidence in the long-term prospects for all business segments and ongoing evaluations for growth opportunities [36] Other Important Information - Total shareholder equity increased to $8.5 million at June 30, 2021, up from $8 million at the end of 2020 [32] - The company is debt-free and maintains a strong balance sheet with a solid cash position [37] Q&A Session Summary Question: Clarification on SPAC ownership structure - The sponsor has a 20% stake in the SPAC, and Oxbridge has about a 50% economic interest in the sponsor [40] Question: Timeline for potential acquisitions - Management has thoughts on potential targets but has not started conversations prior to going public; due diligence will take time [44][45] Question: Additional inquiries - One analyst indicated their questions were answered by previous discussions [47]

Financial Performance - For the three months ended June 30, 2021, net income was $448 thousand, or $0.08 per share, compared to $165 thousand, or $0.03 per share, for the same period in 2020[145]. - Total revenue for the three months ended June 30, 2021 was $805 thousand, up from $482 thousand in the same period of 2020[144]. - Net premiums earned for the quarter ended June 30, 2021 increased to $205 thousand from $135 thousand for the quarter ended June 30, 2020, attributed to higher rates on reinsurance contracts[148]. - The company reported no losses incurred during the three and six-month periods ending June 30, 2021 and 2020[150]. - The loss ratio for the quarter ended June 30, 2021, was 0%, indicating no losses incurred during this period[156]. Expenses and Ratios - General and administrative expenses for the quarter ended June 30, 2021 increased to $312 thousand from $282 thousand for the same period in 2020[153]. - Policy acquisition costs for the quarter ended June 30, 2021 increased to $22 thousand from $15 thousand for the same period in 2020[151]. - The combined ratio for the three months ended June 30, 2021 was 162.9%, compared to 220.0% for the same period in 2020[144]. - The acquisition cost ratio decreased from 11.1% for the quarter ended June 30, 2020, to 10.7% for the quarter ended June 30, 2021[157]. - The expense ratio decreased from 220% for the quarter ended June 30, 2020, to 162.9% for the quarter ended June 30, 2021[159]. - The combined ratio decreased from 220% for the quarter ended June 30, 2020, to 162.9% for the quarter ended June 30, 2021[161]. Cash Flow and Investments - As of June 30, 2021, restricted cash and cash equivalents decreased by $1.6 million, or 82%, to $345 thousand[163]. - Total investments increased marginally by $3 thousand, or 0.4%, to $790 thousand as of June 30, 2021[164]. - Net cash used in operating activities for the six months ended June 30, 2021, totaled $208 thousand[171]. - Net cash provided by investing activities for the six months ended June 30, 2021, was $698 thousand, primarily due to net sales of equity securities[171]. - As of June 30, 2021, there were no reserves for loss and loss adjustment expenses due to no significant events occurring during the period[181]. Future Outlook - The company expects the upward pricing trend for reinsurers to continue due to material losses resulting from COVID-19[133]. - The company focuses on fully collateralized reinsurance contracts primarily for property catastrophes in the Gulf Coast region of the United States[130]. - The company expects to fund operations for the foreseeable future from operating cash flows and potential future equity offerings[169].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 1-36346 OXBRIDGE RE HOLDINGS LIMITED (Exact name of registrant as specified in its charter) Cayman Islands 98-1150254 (Stat ...

Financial Data and Key Metrics Changes - Net premiums earned for the year ended December 31, 2020, increased to $893,000 from $617,000 in the prior year, primarily due to 27 months of premiums recognized in the prior year [16] - Fourth quarter net premiums earned increased marginally to $247,000 from $245,000 last year [17] - Net income in the fourth quarter increased significantly to $181,000 or $0.03 per share from $61,000 or $0.01 per share in the fourth quarter of 2019 [19] - The company experienced a net loss of only $50,000 in 2020, down from $305,000 in the prior year [19] Business Line Data and Key Metrics Changes - The acquisition cost ratio was 10.9% and 11% for the fourth quarter and year ended December 31, 2020, respectively, compared to 9.4% and 10.4% for the same period in the prior year [22] - The expense ratio for the fourth quarter and year ended December 31, 2020, were 117% and 126.1%, respectively, compared to 115% and 183.3% for the same period in the prior year [23] - The combined ratio for the three months and year ended December 31, 2020, were 117% and 126.1%, respectively, compared to 115.1% and 183.3% for the same period in 2019 [24] Market Data and Key Metrics Changes - Total investments in equity securities totaled $787,000 at December 31, 2020, up from $692,000 at December 31, 2019 [25] - Cash and cash equivalents totaled $7.5 million, stable compared to $8 million at December 31, 2019 [26] Company Strategy and Development Direction - The company aims to achieve long-term growth in book value per share by writing business on a selective and opportunistic basis that generates attractive underwriting profits relative to risk [13] - The focus remains on profitable underwriting while also being opportunistic in deploying capital for investment [14] - The company continues to evaluate additional opportunities for growth and diversification of its risk profile [28] Management's Comments on Operating Environment and Future Outlook - The pandemic has had little or no impact on the company's business, and it continues to monitor the markets and the insurance industry [10] - The company remains optimistic about the long-term prospects of both its core business and reinsurance sidecar [28] - Management expressed confidence in the stability of the business model and the potential for growth [29] Other Important Information - The company is debt-free and has a strong balance sheet with a solid cash position [29] - The reinsurance sidecar has generated attractive returns for investors, with a projected return of between 24% to 40% for the current year [15][27] Q&A Session Summary Question: How is the marketing for the 2021 sidecar coming along? - Management indicated that the marketing is progressing well despite various challenges in the financial markets and the pandemic, and they are pleased with the returns being generated [32][33]