[Form 4] Essent Group LTD Insider Trading Activity

Rhea-AI Filing Summary

Essent Group Ltd. insider sale by Director William Spiegel. The filing reports that on 08/13/2025 Mr. Spiegel sold 6,451 common shares of Essent (ticker ESNT) in multiple transactions at a weighted-average price of $62.74 per share (individual trade prices ranged from $62.67 to $62.78). After the sale he beneficially owned 26,252 shares. The sale was reported on a Form 4 filed under Section 16, and the form was signed by an attorney-in-fact on 08/14/2025. The filer checked the box indicating they are a Director of the issuer.

Positive

• Timely and complete disclosure of the insider transaction, including weighted-average price and range of trade prices
• Reporting person identified as a Director, and remaining beneficial ownership is clearly stated (26,252 shares)

Negative

• Insider sale of 6,451 shares which reduces the director's stake, potentially interpreted negatively if part of a broader selling pattern

Insights

Securities Analyst

TL;DR: An insider director executed an open-market sale of a modest stake; this is a routine Section 16 disclosure rather than a corporate event.

The filing documents a single open-market disposition of 6,451 shares at a weighted-average price of $62.74, leaving the reporting person with 26,252 shares. The transaction appears to be a standard sale rather than part of a disclosed 10b5-1 plan (no plan box checked). For investors, such director sales are common and do not by themselves indicate material change to company fundamentals. The disclosure is timely and complies with Section 16 reporting requirements.

Corporate Governance Expert

TL;DR: Director sale reported; documentation is complete and compliant but warrants monitoring for pattern changes.

The Form 4 cleanly reports the sale details including price range and remaining beneficial ownership. The explanatory note clarifies the weighted-average price and offers to provide per-trade breakdowns on request, which supports transparency. While single sales by directors are routine, governance observers should track if this sale is part of a recurring pattern or followed by additional insider dispositions.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

SPIEGEL WILLIAM

(Last) (First) (Middle)

C/O ESSENT GROUP LTD.

CLARENDON HOUSE, 2 CHURCH STREET

(Street)

HAMILTON D0 HM11

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Essent Group Ltd. [ ESNT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/13/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common shares, par value $0.015	08/13/2025		S		6,451	D	$62.74(1)	26,252	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $62.67 to $62.78, inclusive. The reporting person undertakes to provide to Essent Group Ltd., any security holder of Essent Group Ltd., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth above.

Remarks:

	/s/ David B. Weinstock, as attorney-in-fact	08/14/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Essent Group Ltd. (ESNT) disclose on this Form 4?

The Form 4 reports that Director William Spiegel sold 6,451 common shares on 08/13/2025 at a weighted-average price of $62.74 per share.

How many shares does the reporting person still beneficially own after the sale?

After the reported sale the reporting person beneficially owned 26,252 shares of Essent Group Ltd.

Was the sale executed under a 10b5-1 trading plan?

No box indicating a transaction pursuant to a 10b5-1 plan is checked in the provided Form 4.

What price range did the shares trade in for the reported sale?

The explanatory note states the shares sold in multiple transactions at prices ranging from $62.67 to $62.78.

Who signed the Form 4 filing and when was it filed?

The Form 4 was signed by David B. Weinstock as attorney-in-fact on 08/14/2025.