[Form 4] Essent Group Ltd. Insider Trading Activity

Rhea-AI Filing Summary

Essent Group Ltd. (ESNT) reporting person David C. Benson, a company director, recorded a transaction dated 09/10/2025 that added dividend equivalent units related to unvested restricted stock awards. The filing shows 13 dividend equivalent units were acquired, representing the economic equivalent of common shares, and after the transaction Mr. Benson beneficially owned 27 common shares directly.

The form clarifies these dividend equivalent rights accrue on unvested restricted stock or restricted stock units and vest proportionately with those awards. The Form 4 was signed on behalf of the reporting person by an attorney-in-fact, David B. Weinstock, on 09/12/2025.

Positive

• Director increased direct beneficial ownership via 13 dividend equivalent units, bringing total direct holdings to 27 common shares
• Clear disclosure of the nature of dividend equivalent units and attorney-in-fact signature indicates procedural compliance with Section 16 reporting

Negative

• None.

Insights

Financial Analyst

TL;DR: Small insider accrual increases director's direct stake by 13 dividend-equivalent units to 27 shares; immaterial to valuation.

The reported transaction is a routine accrual of 13 dividend equivalent units tied to unvested awards, increasing direct beneficial ownership to 27 common shares. This is a mechanical adjustment reflecting compensation vesting mechanics rather than an open-market purchase or sale. For investors, the size and nature of the transaction suggest no material change to ownership concentration or control.

Corporate Governance Expert

TL;DR: Director recorded dividend-equivalent accrual; disclosure complies with Section 16 reporting and contains standard vesting explanation.

The filing discloses a director-level insider receiving dividend equivalent units that vest with underlying awards. The statement includes the required explanation of the units' nature and the attorney-in-fact signature, indicating procedural compliance. There are no departures from typical Form 4 disclosure practices shown.

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
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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^*

Benson David C

(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)
09/10/2025

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

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)	09/10/2025		A		13		(1)	(1)	Common shares, par value $0.015	27	$0	27	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	09/12/2025
	** 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 did the Form 4 for Essent Group Ltd. (ESNT) report on 09/10/2025?

The Form 4 reports that reporting person David C. Benson acquired 13 dividend equivalent units on 09/10/2025, and beneficially owned 27 common shares following the transaction.

Who is the reporting person on this ESNT Form 4 filing?

The reporting person is David C. Benson, identified in the filing as a director of Essent Group Ltd.

What are the dividend equivalent units described in the ESNT filing?

The filing states each dividend equivalent unit is the economic equivalent of one common share and accrues on unvested restricted stock or restricted stock units, vesting proportionately with the awards.

How many shares did David C. Benson own after the reported transaction?

After the reported transaction, David C. Benson beneficially owned 27 common shares directly.

Who signed the Form 4 and when was it signed?

The Form 4 was signed by David B. Weinstock, as attorney-in-fact, on 09/12/2025.