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, 2022 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 ...

Oxbridge Re Holdings Ltd (NASDAQ:OXBR) Q3 2022 Earnings Conference Call November 14, 2022 4:30 PM ET Company Participants Wrendon Timothy - CFO, Secretary & Director Sanjay Madhu - Chairman, President & CEO Conference Call Participants Kent Engelke - Capitol Securities Management Operator Good afternoon. Welcome to Oxbridge Re's Third Quarter 2022 Earnings Call. My name is Karen, and I will be your conference operator this afternoon. [Operator Instructions]. Joining us for today's presentation is Oxbridge R ...

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, 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 ...

Financial Data and Key Metrics Changes - Net premiums earned for the first six months of 2022 increased due to a higher weighted average rate on reinsurance contracts in force [13] - Total revenue declined to $505,000 for the first six months of 2022 compared to $1.1 million last year [14] - Net income for the three months ended June 30, 2022, was $77,000, down from $448,000 in 2021; for the first six months, a net loss of $310,000 was reported compared to net income of $476,000 [15] - The combined ratio increased to 191.1% for the first six months of 2022 compared to 157.3% last year, primarily due to higher general and administrative expenses [19] Business Line Data and Key Metrics Changes - The loss ratio remained at zero for both the first six months of 2022 and 2021, indicating no loss or loss adjustment expenses incurred [17] - The acquisition cost ratio remained stable at 10.9% for both periods, with a slight increase in the second quarter of 2022 [18] Market Data and Key Metrics Changes - The investment portfolio increased by $600,000 to $638,000 at June 30, 2022, from $577,000 at year-end, despite annualized losses due to volatile capital markets [20] - Cash and cash equivalents decreased to $4.6 million at June 30, 2022, compared to $5.4 million at December 31, 2021 [20] Company Strategy and Development Direction - The company aims to achieve long-term growth in book value per share by writing business selectively and opportunistically to generate attractive underwriting profits [8] - The investment in Oxbridge Acquisition Corp. focuses on disruptive technologies such as DeFi, blockchain, insurtech, artificial intelligence, and clean energy [10][22] - The company remains optimistic about the long-term prospects of its core reinsurance business and its investment in the SPAC [12] Management's Comments on Operating Environment and Future Outlook - Management noted that the negative impact of the COVID-19 pandemic is receding, but inflationary cost pressures and supply chain disruptions are affecting the broader economy [11] - The company is optimistic about the recovery of equity markets and its investment portfolio, which has shown signs of improvement [12] Other Important Information - The company remains debt-free and has a strong balance sheet with a solid cash position [22] - Management emphasized the importance of diversification in its business model to capitalize on growth opportunities [22] Q&A Session Summary Question: Update on SPAC closing timeline - Management indicated that they are in a solid position regarding the SPAC and have extensions available until May 2023 to finalize any deals [28][30] Question: Insights on investment opportunities outside SPAC and reinsurance - Management acknowledged seeing tremendous opportunities in various businesses and emphasized the importance of timing in evaluating these opportunities [33] Question: Concerns about insider selling - Management clarified that the individual mentioned is not an insider and that the company does not comment on other people's investments [41][42]

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 ...