---
schema_version: "secwatch.filing_event.v1"
accession: "0001641172-25-023959"
form_type: "8-K"
ticker: "OXBR"
cik: "0001584831"
company_name: "OXBRIDGE RE HOLDINGS Ltd"
filed_at: "2025-08-14T23:59:59+00:00"
generated_at: "2026-05-17T13:11:12.752871+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Oxbridge Re Q2 net loss $1.87M; loss ratio 394% from Hurricane Milton

## Summary
- Net loss for Q2 2025: $1.87M ($0.25 per share) vs $821K ($0.14) in Q2 2024; six-month loss $2.01M ($0.28).
- Loss ratio surged to 394% due to $2.29M full limit loss from Hurricane Milton on one reinsurance contract.
- Net premiums earned edged up to $582K from $564K; total expenses jumped to $3.61M from $628K.
- Combined ratio rose to 621% in Q2; cash and equivalents increased to $6.7M.
- Announced strategic partnership with Midnight Foundation; launched tokenized reinsurance offerings targeting 20-42% returns.

## SEC filing metadata
- accession: 0001641172-25-023959
- form_type: 8-K
- ticker: OXBR
- cik: 0001584831
- company_name: OXBRIDGE RE HOLDINGS Ltd
- filed_at: 2025-08-14T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1584831/000164117225023959/0001641172-25-023959-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1584831/000164117225023959/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001641172-25-023959
- JSON: https://secwatch.observer/filing/0001641172-25-023959.json
- Plain text: https://secwatch.observer/filing/0001641172-25-023959.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.