Essent Group director reports dividend equivalent unit award

Essent Group Ltd. director reported an insider equity transaction involving derivative securities.

Accepted by SEC EDGAR 12/15/2025 - 09:07 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Essent Group Ltd. director reported an insider equity transaction involving derivative securities. On 12/10/2025, the director acquired dividend equivalent units that accrue on unvested restricted stock and restricted stock unit awards.

The transaction added 13 dividend equivalent units, bringing total beneficial holdings in these derivatives to 40 units, each economically equivalent to one Essent Group common share. The units were acquired at a stated price of $0 and are held directly by the reporting person, vesting proportionately with the underlying awards.

Insider Trade Summary

Grant/Award: 13 shares

Grant/Award 1 txn

Insider Galda April Joyce

Role Director

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

Holdings After Transaction: Dividend equivalent units — 40 contracts (Direct)

Holdings Before and After: Dividend equivalent units, 27 to 40 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.

FAQ

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

What insider transaction did Essent Group Ltd. (ESNT) disclose in this filing?

The filing shows that a director of Essent Group Ltd. acquired dividend equivalent units linked to unvested restricted stock and restricted stock unit awards on 12/10/2025.

How many dividend equivalent units did the Essent Group (ESNT) director acquire?

The director acquired 13 dividend equivalent units in the reported transaction, increasing their total beneficial holdings in these derivatives.

How many Essent Group Ltd. (ESNT) shares do the derivative holdings relate to?

Following the transaction, the director beneficially owned 40 dividend equivalent units, each economically equivalent to one common share of Essent Group Ltd., for a total underlying amount of 40 common shares.

What was the price paid for the Essent Group (ESNT) dividend equivalent units?

The dividend equivalent units were acquired at a stated price of $0, reflecting their nature as rights accruing on unvested restricted stock and restricted stock unit awards.

How are the dividend equivalent units for Essent Group Ltd. (ESNT) structured?

The dividend equivalent rights accrue on unvested restricted stock and restricted stock unit awards and become vested proportionately with those awards. Each unit is the economic equivalent of one common share of Essent Group Ltd.

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

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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^*

Galda April Joyce

(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)
12/10/2025

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)	12/10/2025		A		13		(1)	(1)	Common shares, par value $0.015	40	$0	40	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	12/12/2025
	** 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.