Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Oxbridge Re Holdings's retained earnings for the quarter that ended in Mar. 2026 was $-32.12 Mil.
Oxbridge Re Holdings's quarterly retained earnings
increased
from Sep. 2025 ($-32.26 Mil) to Dec. 2025 ($-32.14 Mil) and
increased
from Dec. 2025 ($-32.14 Mil) to Mar. 2026 ($-32.12 Mil).
Oxbridge Re Holdings's annual retained earnings
declined
from Dec. 2023 ($-27.41 Mil) to Dec. 2024 ($-30.16 Mil) and
declined
from Dec. 2024 ($-30.16 Mil) to Dec. 2025 ($-32.14 Mil).
Oxbridge Re Holdings (NAS:OXBR) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Oxbridge Re Holdings Retained Earnings Historical Data
* Premium members only.
The historical data trend for Oxbridge Re Holdings's Retained Earnings 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.
Oxbridge Re Holdings Retained Earnings Calculation
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of $-32.12 Mil mean?
Oxbridge Re Holdings (OXBR) has a Retained Earnings of $-32.12 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Oxbridge Re Holdings and its competitors.
Is Oxbridge Re Holdings' Retained Earnings too high?
Oxbridge Re Holdings' current Retained Earnings is $-32.12 Mil. Overall, Oxbridge Re Holdings has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Oxbridge Re Holdings' Retained Earnings compare to HUIZ and ACMTA?
Oxbridge Re Holdings' Retained Earnings of $-32.12 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Oxbridge Re Holdings and its competitors. Oxbridge Re Holdings's current Retained Earnings is $-32.12 Mil. 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 Retained Earnings of $-32.12 Mil. The current Retained Earnings is $-32.12 Mil. Oxbridge Re Holdings' overall GF Score™ is 32/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Oxbridge Re Holdings (OXBR), the current Retained Earnings is $-32.12 Mil as of Mar. 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.
32GF Score
Get the complete analysis for OXBR
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OXBR has been successfully added to your 
