WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Renaissancere Holdings Ltd generates 530712% more annual revenue ($12.86B vs $2.42M). RNR leads profitability with a 20.8% profit margin vs -109.7%. RNR earns a higher WallStSmart Score of 74/100 (B).

OXBR

Avoid

31

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 5.8
Piotroski: 4/9Altman Z: -5.33

RNR

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 1.06
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for OXBR.

RNRUndervalued (+19.8%)

Margin of Safety

+19.8%

Fair Value

$379.85

Current Price

$293.24

$86.61 discount

UndervaluedFair: $379.85Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OXBR2 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

RNR5 strengths · Avg: 9.4/10
P/E RatioValuation
5.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

Profit MarginProfitability
20.8%9/10

Keeps 21 of every $100 in revenue as profit

Revenue GrowthGrowth
27.6%8/10

Revenue surging 27.6% year-over-year

Areas to Watch

OXBR4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
2.1%4/10

2.1% revenue growth

Market CapQuality
$7.08M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-56.3%2/10

ROE of -56.3% — below average capital efficiency

EPS GrowthGrowth
-56.5%2/10

Earnings declined 56.5%

RNR3 concerns · Avg: 2.0/10
PEG RatioValuation
3.622/10

Expensive relative to growth rate

EPS GrowthGrowth
-14.2%2/10

Earnings declined 14.2%

Altman Z-ScoreHealth
1.062/10

Distress zone — elevated risk

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, Operating Margin. Profitability is solid with margins at 20.8% and operating margin at 43.7%. Revenue growth of 27.6% demonstrates continued momentum.

Bear Case : OXBR

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

Bear Case : RNR

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

Key Dynamics to Monitor

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

OXBR carries more volatility with a beta of 2.34 — expect wider price swings.

RNR is growing revenue faster at 27.6% — sustainability is the question.

RNR generates stronger free cash flow (483M), providing more financial flexibility.

Bottom Line

RNR scores higher overall (74/100 vs 31/100), backed by strong 20.8% margins and 27.6% revenue growth. 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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