Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 306

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1
Chunk 306
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, or at all. Further, any additional capital raised through the sale of equity could
dilute your ownership interest in our Company and may cause the market price of our ordinary shares and warrants to decline. Additional
capital raised through the issuance of debt may result in creditors having rights, preferences and privileges senior or otherwise superior
to those of our ordinary shares and warrants.

Our
results of operations will fluctuate from period to period and may not be indicative of our long-term prospects.

We
anticipate that the performance of our reinsurance operations and our investment portfolio will fluctuate from period to period. Fluctuations
will result from a variety of factors, including:

    ●
    reinsurance contract pricing;

    ●
    our assessment of the quality
    of available reinsurance opportunities;

    ●
    the volume and mix of reinsurance
    products we underwrite;

    ●
    loss experienced on our
    reinsurance liabilities;

    ●
    our ability to assess and
    integrate our risk management strategy properly; and

    ●
    the performance of our
    investment portfolio.

In
particular, we plan to underwrite products and make investments to achieve favorable return on equity over the long term. In addition,
our opportunistic nature and focus on long-term growth in book value will result in fluctuations in total premiums written from period
to period as we concentrate on underwriting contracts that we believe will generate better long-term, rather than short-term, results.
Accordingly, our short-term results of operations may not be indicative of our long-term prospects.

Our
tokenization business operations are at an early stage of development and have a limited operating history, and our strategy of developing
a Web3-focused RWA tokenization business may not be successful.

Our
Web3-focused RWA tokenization business is still in the development stage, and our operating history in such business has been
limited to the development and issuance of a token for participation in reinsurance contracts underwritten by our Oxbridge Re NS
subsidiary. We have not yet announced any revenue-producing activities for tokenization of RWAs that are held by or being acquired
by third parties, and we may not be able to successfully complete the development of any products or services relating to
tokenization of third-party RWAs. Accordingly, we have only a very limited operating history and limited experience in this business
and have not earned any revenues to date in this business (other than limited management fees from the issuance of the