Essent Group (NYSE: ESNT) director exercises awards, holds 28,877 shares

Rhea-AI Filing Summary

Essent Group Ltd. director William Spiegel reported compensation-related equity activity. On May 7, 2026, he exercised awards so that 2,625 restricted and dividend-equivalent units converted into the same number of common shares of Essent Group Ltd. at a stated price of $0.00 per share. Following these conversions, he directly holds 28,877 common shares. A day earlier, on May 6, 2026, he received a grant of 2,443 restricted share units, which remain outstanding after part of his RSUs vested and converted to common shares.

Insider Trade Summary

2,625 shares exercised/converted

Mixed 5 txns

Insider SPIEGEL WILLIAM

Role null

Type	Security	Shares	Price	Value
Exercise	Restricted share units	2,569	$0.00	--
Exercise	Dividend equivalent units	56	$0.00	--
Exercise	Common shares, par value $0.015	2,569	$0.00	--
Exercise	Common shares, par value $0.015	56	$0.00	--
Grant/Award	Restricted share units	2,443	$0.00	--

Holdings After Transaction: Restricted share units — 2,443 shares (Direct, null); Dividend equivalent units — 0 shares (Direct, null); Common shares, par value $0.015 — 28,821 shares (Direct, null)

Footnotes (1)

1. Restricted share units convert into common shares on a one-for-one basis. The dividend equivalent rights accrued on unvested restricted stock award(s) and/or unvested restricted stock unit award(s) and become vested proportionately with the award(s) to which they relate. Each dividend equivalent unit is the economic equivalent of one common share of Essent Group Ltd.

Key Figures

Common shares acquired via conversions: 2,625 shares Common shares held after transactions: 28,877 shares New restricted share units granted: 2,443 RSUs +2 more

5 metrics

Common shares acquired via conversions 2,625 shares Restricted and dividend-equivalent units converted on May 7, 2026

Common shares held after transactions 28,877 shares Direct ownership after May 7, 2026 activity

New restricted share units granted 2,443 RSUs Grant on May 6, 2026

Exercise or conversion price $0.00 per share Reported for unit conversions on May 7, 2026

Total derivative exercises 2,625 units Exercise shares in transaction summary

Key Terms

Restricted share units, Dividend equivalent units, derivative security, grant, award, or other acquisition

4 terms

Restricted share units financial

"Restricted share units convert into common shares on a one-for-one basis."

Restricted share units (RSUs) are a promise from a company to give an employee or service provider actual shares or cash equal to the shares after certain conditions are met, typically staying with the company for a set time or hitting performance targets. Think of them like a time-locked gift card that becomes usable only after you’ve earned it. For investors, RSUs matter because they align employee incentives with company performance and can increase the number of shares outstanding over time, diluting existing ownership and affecting earnings per share.

Dividend equivalent units financial

"The dividend equivalent rights accrued on unvested restricted stock award(s)..."

Dividend equivalent units are bookkeeping credits that mirror cash dividends paid on actual shares, granted to holders of stock-based awards such as restricted stock units or deferred compensation. They matter to investors because they increase a company’s reported employee compensation cost and can lead to issuance of more shares or cash payouts over time, similar to extra pay linked to ownership that affects shareholder dilution and corporate cash flow.

derivative security financial

"transaction_code_description: Exercise or conversion of derivative security"

A derivative security is a financial contract whose value comes from the price or performance of something else, such as a stock, bond, commodity, or market index. For investors it acts like an insurance policy or a wager: it can be used to protect against losses, lock in prices, or amplify gains and losses, so it can change a portfolio’s risk and potential return without owning the underlying asset directly.

grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

Form 4 Insider Transactions: What Each Field Means →

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 HM11

(City) (State) (Zip)

BERMUDA

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/06/2026

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

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

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

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	05/07/2026		M		2,569	A	(1)	28,821	D
Common shares, par value $0.015	05/07/2026		M		56	A	(2)	28,877	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
Restricted share units	$0(1)	05/06/2026		A		2,443		(1)	(1)	Common shares, par value $0.015	2,443	(1)	5,012	D
Restricted share units	$0(1)	05/07/2026		M			2,569	(1)	(1)	Common shares, par value $0.015	2,569	$0	2,443	D
Dividend equivalent units	(2)	05/07/2026		M			56	(2)	(2)	Common shares, par value $0.015	56	$0	0	D

Explanation of Responses:

1. Restricted share units convert into common shares on a one-for-one basis.

2. The dividend equivalent rights accrued on unvested restricted stock award(s) and/or unvested restricted stock unit award(s) and become vested proportionately with the award(s) to which they relate. Each dividend equivalent unit is the economic equivalent of one common share of Essent Group Ltd.

Remarks:

	/s/ David B. Weinstock, as attorney-in-fact	05/08/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What transactions did Essent Group (ESNT) director William Spiegel report on this Form 4?

William Spiegel reported equity compensation activity, not open-market trades. He exercised 2,625 restricted and dividend-equivalent units into common shares and received a grant of 2,443 new restricted share units, all held directly as part of his compensation package.

Did William Spiegel buy or sell Essent Group (ESNT) shares on the market?

No open-market buying or selling was reported. All transactions reflect exercises and grants of equity awards with a reported exercise or conversion price of $0.00, meaning they are compensation-related conversions and awards rather than discretionary market purchases or sales.

How many Essent Group (ESNT) common shares does William Spiegel hold after these transactions?

After the reported transactions, Spiegel directly holds 28,877 common shares. This figure reflects his position following the conversion of 2,625 restricted and dividend-equivalent units into common shares, as disclosed in the Form 4’s post-transaction share balances.

What restricted share units does William Spiegel still hold at Essent Group (ESNT)?

Spiegel continues to hold 2,443 restricted share units. The filing notes that restricted share units convert into common shares on a one-for-one basis, so these units represent potential future common shares as they vest according to their award terms.

What are dividend equivalent units in the Essent Group (ESNT) Form 4 filing?

Dividend equivalent units mirror the value of Essent common shares. The filing states each unit is the economic equivalent of one common share, accruing on unvested restricted stock or unit awards and vesting proportionately with those underlying awards.