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Oxbridge Re HoldingsOXBR +3.15%36 Graham Number is $1.03 as of Jun. 2026. GuruFocus rates OXBR with a GF Score™ of 36/100. The stock has 1 warning sign investors should review. Among 424 Insurance companies, Oxbridge Re Holdings ranks worse than 70.52% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-08-30), the stock price of Oxbridge Re Holdings is $1.31. Oxbridge Re Holdings's graham number for the quarter that ended in Jun. 2026 was $1.03. Therefore, Oxbridge Re Holdings's Price to Graham Number ratio for today is 1.27.
The historical rank and industry rank for Oxbridge Re Holdings's Graham Number or its related term are showing as below:
OXBR'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.34 Med: 0.68 Max: 1.92
Current: 1.27
During the past 13 years, the highest Price to Graham Number ratio of Oxbridge Re Holdings was 1.92. The lowest was 0.34. And the median was 0.68.
OXBR's Price-to-Graham-Number is ranked worse than 70.52% of 424
companies
in the Insurance industry
Industry Median: 0.93
vs OXBR: 1.27
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Oxbridge Re Holdings (NAS:OXBR) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Oxbridge Re Holdings's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
1.31
/
1.03
=
1.27
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Oxbridge Re Holdings Graham Number Related Terms
Oxbridge Re Holdings Graham Number Historical Data
* Premium members only.
The historical data trend for Oxbridge Re Holdings's Graham Number can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OXBR vs HUIZ, ACMTA, SUND: Graham Number Comparison
For the Insurance - Reinsurance subindustry, Oxbridge Re Holdings's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Oxbridge Re Holdings Price-to-Graham-Number vs Insurance Industry
For the Insurance industry and Financial Services sector, Oxbridge Re Holdings's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Oxbridge Re Holdings's Price-to-Graham-Number falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Oxbridge Re Holdings (OXBR) has a Graham Number of $1.03 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Oxbridge Re Holdings and its competitors. According to the industry distribution chart, Oxbridge Re Holdings ranks #299 out of 424 companies in the Insurance industry, placing it in the top 70.5%.
Is Oxbridge Re Holdings' Graham Number too high?
Oxbridge Re Holdings' current Graham Number is $1.03. The Insurance industry median Graham Number is 0.93. Oxbridge Re Holdings' value of $1.03 is 10.8% above this industry median. Based on the distribution chart, Oxbridge Re Holdings ranks #299 out of 424 companies in the Insurance industry, which is below the industry midpoint. Overall, Oxbridge Re Holdings has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Oxbridge Re Holdings' Graham Number compare to HUIZ and ACMTA?
According to the Insurance industry distribution chart, Oxbridge Re Holdings ranks #299 out of 424 companies for Graham Number. This places Oxbridge Re Holdings in the lower half of its industry. The industry median Graham Number is 0.93. Oxbridge Re Holdings' value of $1.03 is 10.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for an Insurance company?
The median Graham Number among Insurance companies is 0.93, based on 424 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oxbridge Re Holdings's current Graham Number of $1.03 is 10.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Oxbridge Re Holdings and its competitors. For the Insurance industry, the median Graham Number is 0.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oxbridge Re Holdings's current Graham Number is $1.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oxbridge Re Holdings stock overvalued right now?
Oxbridge Re Holdings (OXBR) has a current Graham Number of $1.03. The current Graham Number is $1.03 and 10.8% above the Insurance industry median of 0.93. Oxbridge Re Holdings' overall GF Score™ is 36/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Oxbridge Re Holdings (OXBR), the current Graham Number is $1.03 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Oxbridge Re Holdings Ltd is a specialty property and casualty reinsurer that provides reinsurance solutions through its subsidiary. The company focuses on underwriting fully collateralized reinsurance contracts for property and casualty insurance companies in the Gulf Coast region of the United States, with an emphasis on Florida. It specializes in underwriting medium-frequency, high-severity risks where insufficient data exists to effectively analyze the risk/return profile of reinsurance contracts. The company generates revenue from three principal sources: premiums assumed from reinsurance on property and casualty business; income from investments, including unrealized gains or losses on other investments; and income from SurancePlus management fees.
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