---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-22-004188"
form_type: "8-K"
ticker: "OXBR"
cik: "0001584831"
company_name: "OXBRIDGE RE HOLDINGS Ltd"
filed_at: "2022-03-30T23:59:59+00:00"
generated_at: "2026-06-26T13:33:37.750865+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Oxbridge Re swings to FY2021 profit of $8.6M on $9.2M SPAC unrealized gain

## Summary
- FY2021 net income $8.6M ($1.49 diluted EPS) vs net loss $50K (-$0.01) in FY2020.
- Q4 net income $1.6M ($0.27 diluted EPS) vs $181K ($0.03) in Q4 2020.
- Net premiums earned $965K in FY2021, up from $893K; loss ratio 16.4% due to Hurricane Ida.
- Expense ratio rose to 146.2% from 126.1%; combined ratio 162.6% due to Hurricane Ida losses and $181K uncollectible premiums.
- Cash and restricted cash $5.4M at year-end 2021, down from $7.5M; no debt.

## SEC filing metadata
- accession: 0001654954-22-004188
- form_type: 8-K
- ticker: OXBR
- cik: 0001584831
- company_name: OXBRIDGE RE HOLDINGS Ltd
- filed_at: 2022-03-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1584831/000165495422004188/0001654954-22-004188-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1584831/000165495422004188/oxbr_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-22-004188
- JSON: https://secwatch.observer/filing/0001654954-22-004188.json
- Plain text: https://secwatch.observer/filing/0001654954-22-004188.txt

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