WallStSmart

Oxbridge Re Holdings Ltd (OXBR)vsRenaissancere Holdings Ltd (RNR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Renaissancere Holdings Ltd generates 461929% more annual revenue ($11.59B vs $2.51M). RNR leads profitability with a 24.2% profit margin vs -76.5%. RNR earns a higher WallStSmart Score of 73/100 (B).

OXBR

Avoid

23

out of 100

Grade: F

Growth: 4.7Profit: 3.0Value: 5.0Quality: 5.8
Piotroski: 4/9Altman Z: -3.36

RNR

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 8.0Value: 5.7Quality: 8.5
Piotroski: 6/9Altman Z: 1.92

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OXBR2 strengths · Avg: 9.5/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

RNR6 strengths · Avg: 9.5/10
P/E RatioValuation
5.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.9%10/10

Earnings expanding 100.9% YoY

Return on EquityProfitability
24.4%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
24.2%9/10

Keeps 24 of every $100 in revenue as profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

Areas to Watch

OXBR4 concerns · Avg: 2.3/10
Market CapQuality
$7.74M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-54.3%2/10

ROE of -54.3% — below average capital efficiency

Revenue GrowthGrowth
-10.0%2/10

Revenue declined 10.0%

EPS GrowthGrowth
-56.5%2/10

Earnings declined 56.5%

RNR3 concerns · Avg: 2.7/10
Altman Z-ScoreHealth
1.924/10

Grey zone — moderate risk

PEG RatioValuation
3.622/10

Expensive relative to growth rate

Revenue GrowthGrowth
-36.6%2/10

Revenue declined 36.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : OXBR

The strongest argument for OXBR centers on Price/Book, Debt/Equity.

Bull Case : RNR

The strongest argument for RNR centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 24.2% and operating margin at 26.8%.

Bear Case : OXBR

The primary concerns for OXBR are Market Cap, Return on Equity, Revenue Growth.

Bear Case : RNR

The primary concerns for RNR are Altman Z-Score, PEG Ratio, Revenue Growth.

Key Dynamics to Monitor

OXBR profiles as a turnaround stock while RNR is a declining play — different risk/reward profiles.

OXBR carries more volatility with a beta of 2.02 — expect wider price swings.

OXBR is growing revenue faster at -10.0% — sustainability is the question.

RNR generates stronger free cash flow (688M), providing more financial flexibility.

Bottom Line

RNR scores higher overall (73/100 vs 23/100), backed by strong 24.2% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Oxbridge Re Holdings Ltd

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

Oxbridge Re Holdings Limited, provides specialized P&C reinsurance solutions. The company is headquartered in George Town, the Cayman Islands.

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Renaissancere Holdings Ltd

FINANCIAL SERVICES · INSURANCE - REINSURANCE · USA

RenaissanceRe Holdings Ltd. provides insurance and reinsurance products in the United States and internationally. The company is headquartered in Pembroke, Bermuda.

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