OXBRWHIGH SIGNALRISK10-K

OXBRW experienced a severe cash depletion dropping to just $268K while expanding its blockchain-based tokenized reinsurance offerings across multiple new product lines.

The company's cash position fell to critically low levels, raising immediate liquidity concerns for ongoing operations. Despite reducing total liabilities and maintaining positive equity growth, the dramatic cash decline combined with continued net losses suggests potential funding challenges ahead, particularly as the company pursues an ambitious expansion of its tokenized reinsurance products.

Comparing 2026-03-30 vs 2025-03-26View on EDGAR →
FINANCIAL ANALYSIS

The financial picture presents a mixed but concerning scenario with cash reserves plummeting to dangerously low levels while the company maintained a modest improvement in net losses and grew stockholders' equity. The meaningful reduction in total liabilities provided some balance sheet relief, but the severe cash depletion overshadows these positive developments. Overall, the financial position suggests immediate liquidity stress despite some underlying operational improvements.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
-87.4%
$2.1M$268K

Cash declined 87.4% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Total Liabilities
Balance Sheet
-53.5%
$3.4M$1.6M

Liabilities reduced 53.5% — deleveraging improves balance sheet strength and financial flexibility.

Stockholders Equity
Balance Sheet
+49.8%
$3.9M$5.9M

Equity base grew 49.8% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Income
P&L
+23.7%
-$2.7M-$2.1M

Net income grew 23.7% — bottom-line growth signals improving overall business health.

LANGUAGE CHANGES
NEW — 2026-03-30
PRIOR — 2025-03-26
ADDED
As of March 26, 2026, 7,801,374 ordinary shares, par value $ 0.001 (USD) per share, were outstanding.
Following the issuance of the DeltaCat Re Token in 2023, we issued EpsilonCat Re token in 2024, issued ZetaCat Re and EtaCat Re in 2025, launched T42:2027 and T20:2027 tokenized reinsurance securities in 2026, representing high yield and balanced yield tokens, and intend to develop, launch, and issue additional series of tokenized reinsurance securities representing fractional interests in reinsurance contracts in the future.
On March 18, 2024, Oxbridge Re Holdings Limited and its indirect subsidiary SurancePlus, announced the commencement of an offering by SurancePlus of Participation Shares (the Securities ) represented by digital tokens to be issued under a 3-year Participation Share Investment Contract (the PSIC ).
In 2025, the SurancePlus bifurcated its offering into a high yield tokens targeting a 42% return and balanced yield token targeting a 20% return, and issued its ZetaCat Re and EtaCat Re tokens, respectively.
In February 2026, SurancePlus launched its high yield and balanced yield tokens for the 2026/27 treaty year under the names T42:2027 and T20:2027, and these tokens will be issued using the Solana blockchain network.
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REMOVED
As of March 26, 2025, 7,442,922 ordinary shares, par value $ 0.001 (USD) per share, were outstanding.
Following the issuance of the DeltaCat Re Token in 2023, we issued EpsilonCat Re token in 2025, launched ZetaCat Re and EtaCat Re in 2025, and intend to develop, launch, and issue additional series of tokenized reinsurance securities representing fractional interests in reinsurance contracts in the future.
On March 18, 2024, Oxbridge Re Holdings Limited (the Company ) and its indirect subsidiary SurancePlus Inc.
( SurancePlus ), a British Virgin Islands Business Company, announced the commencement of an offering by SurancePlus of Participation Shares (the Securities ) represented by digital tokens to be issued under a 3-year Participation Share Investment Contract (the PSIC ).
The quantity of Participation Shares to be issued in subsequent years of 2025, and 2026, shall be disclosed prior to their issuances.
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