Estados financieros detallados de Oxbridge Re Holdings Limited (OXBR): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Oxbridge Re Holdings Limited registró ingresos de $2.6M en el último ejercicio fiscal, con un CAGR de 5 años del 16.2%.
Márgenes de los últimos 12 meses: margen bruto 77.3%, margen operativo -10.8%, margen neto -19.9%.
Al precio actual de $1.42, OXBR cotiza a un P/E de 90.50 y un ROE del -53.85%. La capitalización bursátil es de $12M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $19.1M | $23.8M | $3.8M | $981000 | $1.2M | $10.2M | $850000 | -$7.0M | $546000 | $2.6M |
| Coste de Ventas | $15.1M | $43.1M | $10.3M | $64000 | $98000 | $264000 | $1.2M | $141000 | $254000 | $3.0M |
| Beneficio Bruto | $4.0M | -$19.3M | -$6.5M | $917000 | $1.1M | $10.0M | -$333000 | -$7.0M | $292000 | -$417000 |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $1.4M | $1.3M | $1.3M | $1.1M | $1.0M | $1.3M | $1.4M | $2.2M | $1.9M | $3.0M |
| Gastos Operativos | $1.4M | $1.3M | $1.3M | $1.1M | $1.0M | $1.3M | $1.4M | $2.2M | $1.9M | $3.0M |
| Beneficio Operativo | $2.6M | -$20.6M | -$7.7M | -$150000 | $88000 | $8.7M | -$1.7M | -$9.2M | -$1.6M | -$3.5M |
| EBITDA | $2.6M | -$20.6M | -$7.7M | -$140000 | $98000 | $8.7M | -$1.7M | -$9.4M | -$1.6M | -$3.5M |
| Gastos por Intereses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Beneficio Antes de Impuestos | $2.6M | -$20.6M | -$7.7M | -$150000 | $88000 | $8.7M | -$1.7M | -$9.4M | -$1.6M | -$3.5M |
| Impuestos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $542000 | 0 | 0 |
| Beneficio Neto | $2.6M | -$20.6M | -$7.7M | -$150000 | $88000 | $8.7M | -$1.7M | -$9.9M | -$1.8M | -$3.5M |
| BPA | $0.43 | $-3.55 | $-1.00 | $-0.03 | $0.02 | $1.49 | $-0.61 | $-1.69 | $-0.45 | $-0.28 |
| BPA Diluido | $0.43 | $-3.55 | $-1.00 | $-0.03 | $0.02 | $1.49 | $-0.61 | $-1.69 | $-0.45 | $-0.28 |
| Acciones en Circulación (Diluidas) | $6.0M | $5.8M | $5.7M | $5.7M | $5.7M | $5.7M | $5.8M | $5.9M | $6.1M | $7.4M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $645000 | $576000 | $623000 | $940000 |
| Beneficio Bruto | $584000 | $66000 | $562000 | $940000 |
| Beneficio Operativo | -$170000 | -$465000 | $40000 | $293000 |
| EBITDA | -$170000 | -$464000 | $41000 | $294000 |
| Beneficio Neto | -$185000 | -$569000 | $24000 | $177000 |
| BPA | $-0.02 | $0.02 | $0.00 | $0.02 |
| BPA Diluido | $-0.02 | $0.02 | $0.00 | $0.02 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $12.2M | $7.8M | $8.1M | $6.0M | $5.6M | $3.5M | $1.2M | $495000 | $2.1M | $7.0M |
| Inversiones a Corto | $11.0M | $6.5M | $993000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cuentas por Cobrar | 0 | $3.8M | $15000 | $518000 | $465000 | $289000 | $327000 | $977000 | $1.1M | $766000 |
| Inventario | -$53.8M | -$24.2M | -$11.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $16.3M | $11.6M | $9.1M | 0 | 0 | 0 | 0 | $5.4M | 0 | $7.0M |
| Inmovilizado Material | $54000 | $36000 | $18000 | $142000 | $235000 | $144000 | $49000 | $13000 | $149000 | $59000 |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | $88000 | $48000 | 0 | 0 | 0 | 0 | 0 | $101000 | 0 | $102000 |
| Activos Totales | $51.0M | $21.4M | $12.6M | $9.5M | $9.1M | $17.7M | $16.6M | $8.3M | $7.5M | $8.1M |
| Cuentas por Pagar | $204000 | $106000 | $139000 | $279000 | $209000 | $337000 | $294000 | $356000 | 0 | $309000 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $204000 | $106000 | $139000 | 0 | 0 | 0 | 0 | 0 | 0 | $1.4M |
| Deuda a Largo | 0 | 0 | 0 | $600000 | $216000 | $216000 | $216000 | $118000 | $118000 | $118000 |
| Pasivos Totales | $13.8M | $7.5M | $4.2M | $1.5M | $1.1M | $1.0M | $1.6M | $2.9M | $3.4M | $1.6M |
| Reservas | $4.5M | -$18.1M | -$23.9M | -$24.2M | -$24.3M | -$15.7M | -$17.5M | -$27.4M | -$30.2M | -$32.1M |
| Patrimonio Neto | $37.2M | $13.9M | $8.3M | $8.0M | $8.0M | $16.7M | $15.0M | $5.3M | $3.9M | $6.4M |
| Deuda Total | 0 | 0 | 0 | $733000 | $438000 | $351000 | $260000 | $127000 | $266000 | $161000 |
| Deuda Neta | -$23.2M | -$14.2M | -$9.1M | -$5.2M | -$5.1M | -$3.2M | -$947000 | -$368000 | -$1.9M | -$6.8M |
| Capital Circulante | $16.1M | $11.5M | $8.9M | 0 | 0 | 0 | 0 | $5.4M | 0 | $5.6M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $726000 | $268000 | $8.2M | $7.8M |
| Activos Totales | $8.9M | $8.1M | $8.7M | $20.4M |
| Pasivos Totales | $2.0M | $1.6M | $2.1M | $1.0M |
| Patrimonio Neto | $6.9M | $6.4M | $6.5M | $19.2M |
| Deuda Total | $188000 | $161000 | $1.2M | $180000 |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $2.6M | -$20.6M | -$5.7M | -$305000 | -$50000 | $8.6M | -$1.8M | -$9.9M | -$2.7M | -$2.1M |
| Amortizaciones | $21000 | $24000 | $18000 | $10000 | $10000 | $7000 | $4000 | $6000 | $3000 | $1000 |
| Compensación en Acciones | $119000 | $127000 | $126000 | $36000 | $32000 | $61000 | $127000 | $258000 | $234000 | $418000 |
| Cambio en Capital Circulante | -$1.8M | -$6.1M | $684000 | -$4.1M | -$39000 | $275000 | $483000 | -$216000 | -$887000 | $286000 |
| Flujo de Caja Operativo | $416000 | -$26.3M | -$6.6M | -$4.4M | -$266000 | -$253000 | -$829000 | -$1.3M | -$1.2M | -$1.3M |
| Inversiones (CapEx) | -$11000 | -$6000 | 0 | -$1000 | -$14000 | -$3000 | 0 | -$5000 | 0 | -$16000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | $1.8M | $626000 | 0 | 0 | 0 |
| Recompra de Acciones | -$742000 | -$1.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagados | -$2.9M | -$2.1M | -$35000 | 0 | 0 | -$1000 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | $405000 | -$26.3M | -$6.6M | -$4.4M | -$280000 | -$256000 | -$829000 | -$1.3M | -$1.2M | -$1.4M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $118000 | $433000 | $210000 | -$267000 |
| Inversiones (CapEx) | 0 | -$16000 | 0 | 0 |
| Flujo de Caja Libre | $118000 | $417000 | $210000 | -$267000 |
| Dividendos Pagados | 0 | 0 | 0 | 0 |
| Compensación en Acciones | $154000 | $86000 | $82000 | $45000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +25.1% | -84.1% | -74.2% | +23.8% | +742.3% | -91.7% | -929.3% | +107.7% | +372.0% |
| Crecimiento Beneficio Neto (anual) | | -897.8% | +62.4% | +98.1% | +158.7% | +9736.4% | -120.2% | -467.9% | +82.2% | -96.4% |
| Crecimiento BPA (anual) | | -925.6% | +71.8% | +97.4% | +158.4% | +9638.6% | -140.9% | -177.0% | +73.4% | +37.8% |
| Cambio en Acciones (anual) | | -3.7% | -1.2% | +0.0% | +0.0% | +0.0% | +0.6% | +1.6% | +4.0% | +21.2% |
| Crecimiento FCF (anual) | | -6597.8% | +74.8% | +34.1% | +93.6% | +8.6% | -223.8% | -52.6% | +2.6% | -10.7% |
| Margen Bruto | 21.0% | -80.8% | -170.1% | 93.5% | 91.9% | 97.4% | -39.2% | 100.0% | 53.5% | -16.2% |
| Margen Operativo | 13.5% | -86.4% | -203.8% | -15.3% | 7.2% | 84.7% | -205.4% | 131.0% | -297.6% | -134.4% |
| Margen EBITDA | 13.7% | -86.3% | -203.3% | -14.3% | 8.1% | 84.7% | -204.9% | 132.9% | -297.1% | -134.3% |
| Margen Neto | 13.5% | -86.4% | -203.8% | -15.3% | 7.2% | 84.7% | -205.4% | 140.7% | -323.1% | -134.5% |
| Margen FCF | 2.1% | -110.4% | -174.5% | -445.7% | -23.1% | -2.5% | -97.5% | 17.9% | -225.6% | -52.9% |
| Tasa Impositiva Efectiva | 0.0% | -0.0% | -0.0% | -0.0% | 0.0% | 0.0% | -0.0% | -5.8% | -0.0% | -0.0% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $0.07 | $-4.54 | $-1.16 | $-0.76 | $-0.05 | $-0.04 | $-0.14 | $-0.22 | $-0.20 | $-0.18 |
| Dividendo por Acción | $0.48 | $0.36 | $0.01 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $6.0M | $5.8M | $5.7M | $5.7M | $5.7M | $5.7M | $5.8M | $5.9M | $6.1M | $7.4M |
Qué mirar en Seguros
Las aseguradoras ganan de 2 formas: suscribiendo bien (combined ratio) e invirtiendo el float. Buffett construyó Berkshire así.
- Op Margin 5y (proxy Combined Ratio) — Proxy del combined ratio cuando FMP no lo expone. ≥10% medio 5y = disciplina de suscripción (CR <100%)
- Crecimiento Book Value / Acción — Cómo Buffett mide Berkshire. El valor real que acumulan los accionistas
- Debt / Equity — Aseguradoras apalancadas quiebran rápido en catástrofes
- P/B (Price / Book) — Aseguradoras se valoran por múltiplo de libros. Aquí se cruza con el ROE (calidad × valoración)
- Dividend growth streak — Años consecutivos subiendo dividendo por acción — aseguradoras sólidas acumulan décadas
Rentabilidad
| Rentabilidad sobre capital | -53.85% |
| Rentabilidad sobre capital invertido | -61.44% |
| Rentabilidad sobre activos | -43.03% |
| Margen bruto | 77.30% |
| Margen operativo | -10.85% |
| Margen neto | -19.86% |
Salud financiera
| Deuda / Patrimonio | 0.01 |
| Ratio corriente | 0.00 |
| Piotroski F-Score | 4 |
| Altman Z-Score | -2.10 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 13.95 | -0.61 | -0.63 | -28.44 | 122.22 | 3.77 | -1.97 | -0.65 | -9.16 | -4.71 |
| P/VC | 0.97 | 0.90 | 0.43 | 0.53 | 1.34 | 1.94 | 0.46 | 1.21 | 6.36 | 1.52 |
| P/V | 1.90 | 0.52 | 0.95 | 4.35 | 8.83 | 3.15 | 8.15 | -0.92 | 46.02 | 3.79 |
| Margen Bruto | 21.0% | -80.8% | -170.1% | 93.5% | 91.9% | 97.4% | -39.2% | 100.0% | 53.5% | -16.2% |
| Margen Operativo | 13.5% | -86.4% | -203.8% | -15.3% | 7.2% | 84.7% | -205.4% | 131.0% | -297.6% | -134.4% |
| Margen Neto | 13.5% | -86.4% | -203.8% | -15.3% | 7.2% | 84.7% | -205.4% | 140.7% | -323.1% | -134.5% |