[Form 4] Essent Group Ltd. Insider Trading Activity

Rhea-AI Filing Summary

Essent Group Ltd. (ESNT) director Anu Karna acquired 27 common shares on 09/10/2025 through dividend equivalent units tied to unvested restricted stock or restricted stock units. The filing states these dividend equivalent rights accrue on unvested awards and vest proportionately with the underlying awards; each unit equals one common share. Ownership after the transaction is reported as 27 shares, held directly. The form was signed on behalf of the reporting person by an attorney-in-fact.

Positive

• Director received 27 common shares via dividend equivalent units, reflecting routine equity compensation
• Disclosure names reporting person as a director and explains the nature of the dividend equivalent rights

Negative

• None.

Insights

Financial Analyst

TL;DR Minor insider acquisition of 27 shares via dividend equivalents; immaterial to company valuation.

The Form 4 documents a small, routine issuance of dividend equivalent units converting into 27 common shares for a director. This reflects compensation mechanics for unvested equity rather than an open-market purchase or sale. The amount reported is negligible relative to typical public-company float and does not indicate a change in insider conviction or liquidity events. No price was paid; the units mirror dividends on unvested awards and vest with the underlying awards.

Corporate Governance Expert

TL;DR Administrative equity accrual recorded; governance disclosure appears complete and timely.

The disclosure explains that dividend equivalent rights on unvested restricted stock/RSU awards vested proportionately and converted to 27 shares, held directly. The Form 4 lists the reporting person as a director and indicates the transaction date and filing signature by an attorney-in-fact. This is a standard equity compensation disclosure with no indications of atypical governance concerns or related-party transactions beyond normal director compensation arrangements.

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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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^*

Karna Anu

(Last) (First) (Middle)

C/O ESSENT GROUP LTD.

CLARENDON HOUSE, 2 CHURCH STREET

(Street)

HAMILTON D0 HM 11

(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 transaction did Essent (ESNT) director Anu Karna report on Form 4?

The director reported acquisition of 27 common shares on 09/10/2025 through dividend equivalent units tied to unvested restricted stock/RSU awards.

Were any shares purchased for cash in the reported transaction?

No. The filing shows dividend equivalent units converted to shares; the Price field is reported as $0 indicating no cash purchase.

How are the dividend equivalent units described in the filing?

They are described as accruing on unvested restricted stock or RSU awards and vesting proportionately with the underlying awards; each unit equals one common share.

What is the reported ownership after the transaction?

The filing reports 27 shares beneficially owned following the transaction, held in a direct ownership form.

Who signed the Form 4 for the reporting person?

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