Company: OXBRW
Filing Date: 2025-03-26
Form Type: 10-K
Source: 0001641172-25-000736
Chunk: 405

Company: OXBRIDGE RE HOLDINGS Ltd
Filing Date: 2025-03-26
Form: 10-K
Item: Item 1A
Chunk 405
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Risks
Relating to Our Business

We
will need additional capital in the future in order to grow and operate our business. Such capital may not be available to us or may
not be available to us on favorable terms. Furthermore, our raising additional capital could dilute your ownership interest in our company.

We
expect that we will need to raise additional capital in the future through public or private equity or debt offerings or otherwise in
order to:

    ●
    further capitalize our
    reinsurance subsidiaries and implement our growth strategy;

    ●
    fund liquidity needs caused
    by underwriting or investment losses;

    ●
    replace capital lost in
    the event of significant reinsurance losses or adverse reserve developments;

    ●
    meet applicable statutory
    jurisdiction requirements;

    ●
    fund our business activities
    relating to our new tokenization business operations; and/or

    ●
    respond to competitive
    pressures.

Additional
capital may not be available on terms favorable to us, 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.
According