Essent director granted 13 dividend equivalent units

Essent Group Ltd. director William Spiegel reported a routine compensation-related grant of dividend equivalent units that increase his derivative-based holdings.

Rhea-AI Filing Summary

Essent Group Ltd. (ESNT) director William Spiegel received an award of 13 dividend equivalent units on September 10, 2026, tied to his unvested restricted stock or restricted stock unit awards. After this grant, he holds 28 dividend equivalent units, each economically equivalent to one common share of Essent Group Ltd.

The award was a compensation-related acquisition at a stated price of $0.00 per unit and will vest proportionately with the underlying awards. No transactions were reported under a Rule 10b5-1 trading plan.

Insider Trade Summary

Grant/Award: 13 shares

Grant/Award 1 txn

Insider SPIEGEL WILLIAM

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Dividend equivalent units F1	13	$0.00	$0.00

Holdings After Transaction: Dividend equivalent units — 28 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: 13 units Dividend equivalent units held after transaction: 28 units Reported grant price per dividend equivalent unit: $0.00 per unit +2 more

5 metrics

Dividend equivalent units granted 13 units Grant to director William Spiegel on September 10, 2026

Dividend equivalent units held after transaction 28 units Total derivative-based holdings in dividend equivalent units after the grant

Reported grant price per dividend equivalent unit $0.00 per unit Compensation-related award, not an open-market transaction

Underlying common shares equivalent 28 common shares equivalent Each dividend equivalent unit is the economic equivalent of one common share

Rule 10b5-1 plan status No Rule 10b5-1 plan reported Affirmation checkbox for Rule 10b5-1 is not marked true

Key Terms

Dividend equivalent units, restricted stock unit, 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 financial

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

A restricted stock unit is a promise from a company to give an employee shares of stock after certain conditions are met, like staying with the company for a set amount of time. It’s like earning a bonus that turns into company stock once you’ve proven your commitment, making it a way to motivate and reward employees.

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 ESNT director William Spiegel report on this Form 4?

He reported a grant of 13 dividend equivalent units on September 10, 2026, as a compensation-related acquisition linked to his unvested restricted stock or restricted stock unit awards.

How many Essent Group Ltd. (ESNT) dividend equivalent units does William Spiegel hold after this transaction?

After the reported grant, William Spiegel holds 28 dividend equivalent units, each described as the economic equivalent of one common share of Essent Group Ltd.

Was William Spiegel’s ESNT Form 4 transaction a purchase or sale in the open market?

No. The filing describes the transaction as a grant or award acquisition of 13 dividend equivalent units, with a reported price of $0.00 per unit, rather than an open-market purchase or sale.

Are William Spiegel’s ESNT dividend equivalent units tied to other equity awards?

Yes. A footnote states the dividend equivalent rights accrued on unvested restricted stock awards and/or unvested restricted stock unit awards and become vested proportionately with those underlying awards.

Did William Spiegel’s ESNT Form 4 indicate use of a Rule 10b5-1 trading plan?

No. The filing’s Rule 10b5-1 checkbox is not marked as affirming a plan, and there is no footnote indicating that this grant was made pursuant to a Rule 10b5-1 trading plan.

What is the economic value relationship between ESNT dividend equivalent units and common shares?

According to the footnote, each dividend equivalent unit is the economic equivalent of one common share of Essent Group Ltd., and it vests proportionately with the related restricted stock or restricted stock unit awards.

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

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Available on EDGAR 09/14/2026 - 05:15 PM Accepted by SEC EDGAR 09/14/2026 - 05:14 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^*

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)
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		13		(1)	(1)	Common shares, par value $0.015	28	$0	28	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)