Essent legal chief granted 359 dividend units

Essent Group’s chief legal officer received 359 dividend equivalent units tied to unvested equity awards, bringing her total to 2,556 units.

Rhea-AI Filing Summary

Essent Group Ltd. (ESNT) reported that Mary Lourdes Gibbons, its SVP and Chief Legal Officer, acquired 359 dividend equivalent units on September 10, 2026 as a grant-type derivative award. These units accrue on unvested restricted stock and restricted stock unit awards and vest proportionately with those underlying awards.

Following this transaction, she holds a total of 2,556 dividend equivalent units, each economically equivalent to one common share of Essent Group Ltd. The award was recorded at a per-unit price of $0.00, reflecting its nature as a compensation-related equity accrual rather than a market purchase.

Insider Trade Summary

Grant/Award: 359 shares

Grant/Award 1 txn

Insider Gibbons Mary Lourdes

Role SVP and Chief Legal Officer

Type	Security	Shares	Price	Value
Grant/Award	Dividend equivalent units F1	359	$0.00	$0.00

Holdings After Transaction: Dividend equivalent units — 2,556 contracts (Direct)

Footnotes (1)

1. F1. 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

Dividend equivalent units granted: 359 units Dividend equivalent units held after transaction: 2,556 units Transaction price per dividend equivalent unit: $0.00 per unit +1 more

4 metrics

Dividend equivalent units granted 359 units Grant on September 10, 2026

Dividend equivalent units held after transaction 2,556 units Total holdings of dividend equivalent units after the grant

Transaction price per dividend equivalent unit $0.00 per unit Reported price for the September 10, 2026 grant

Underlying common shares economically mirrored 2,556 shares Each dividend equivalent unit equals one common share economically

Key Terms

Dividend equivalent units, restricted stock unit award(s), economic equivalent

3 terms

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.

restricted stock unit award(s) financial

"accrued on unvested restricted stock award(s) and/or unvested restricted stock unit award(s)"

economic equivalent financial

"Each dividend equivalent unit is the economic equivalent of one common share"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Essent Group Ltd. (ESNT) report for Mary Lourdes Gibbons?

Essent Group Ltd. reported that SVP and Chief Legal Officer Mary Lourdes Gibbons received a grant of 359 dividend equivalent units on September 10, 2026, increasing her total holdings of these units to 2,556.

What are the dividend equivalent units reported in the ESNT Form 4?

The filing states that the dividend equivalent rights accrued on unvested restricted stock and/or restricted stock unit awards and vest proportionately with those awards. Each dividend equivalent unit is the economic equivalent of one common share of Essent Group Ltd.

How many Essent Group (ESNT) dividend equivalent units does Mary Lourdes Gibbons hold after the transaction?

After the September 10, 2026 grant of 359 dividend equivalent units, Mary Lourdes Gibbons holds a total of 2,556 dividend equivalent units, each economically equivalent to one common share of Essent Group Ltd.

Was cash paid for the Essent Group (ESNT) dividend equivalent units granted to the officer?

No. The Form 4 reports a transaction price per unit of $0.00 for the 359 dividend equivalent units, indicating they were a compensation-related accrual tied to existing unvested equity awards rather than a market purchase for cash.

Do the ESNT dividend equivalent units vest immediately for Mary Lourdes Gibbons?

No. The footnote explains that the dividend equivalent rights become vested proportionately with the unvested restricted stock and/or restricted stock unit awards to which they relate, so vesting follows the schedule of those underlying awards.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/14/2026 - 05:16 PM Accepted by SEC EDGAR 09/14/2026 - 05:15 PM Learn about SEC filing dates

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^*

Gibbons Mary Lourdes

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP and Chief Legal Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/10/2026

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

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
Dividend equivalent units	(1)	09/10/2026		A		359		(1)	(1)	Common shares, par value $0.015	2,556	$0	2,556	D

Explanation of Responses:

1. 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	09/14/2026
	** 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)