[Form 4] Essent Group Ltd. Insider Trading Activity

Rhea-AI Filing Summary

Essent Group Ltd. (ESNT) director April Joyce Galda received 13 dividend equivalent units tied to unvested restricted stock awards on 09/10/2025, which vest proportionately with those awards. Each dividend equivalent unit represents the economic equivalent of one common share. Following the transaction, Ms. Galda directly beneficially owned 27 common shares. The report shows a price of $0 for the units and was filed via attorney-in-fact David B. Weinstock on 09/12/2025.

Positive

• Increase in direct ownership: 13 dividend equivalent units added, raising direct beneficial ownership to 27 shares.
• Administrative clarity: Form 4 discloses the nature of the units and confirms they vest with the underlying awards.

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director received dividend equivalent units that increase her direct ownership modestly, tied to existing unvested equity awards.

The Form 4 documents a routine accrual and vesting of dividend equivalent rights on unvested restricted stock awards for a director. These units are administrative adjustments that mirror dividends on unvested awards and do not reflect an open-market purchase or sale. The increase to 27 directly owned shares is small in absolute terms and consistent with typical equity compensation mechanics for insiders.

Securities Analyst

TL;DR: Transaction is non-cash, administrative; it marginally raises insider holdings but is not materially market-moving.

The reported acquisition of 13 dividend equivalent units (price $0) simply consolidates economic equivalents of dividends into vested units. As the report indicates direct ownership of 27 shares post-transaction, the change is immaterial relative to typical outstanding share counts. No option exercise, open-market trade, or cash consideration is recorded here.

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)
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 April Joyce Galda report on the Form 4 for ESNT?

She reported the acquisition of 13 dividend equivalent units related to unvested restricted stock awards on 09/10/2025.

How many ESSNT shares does the reporting person beneficially own after the transaction?

The Form 4 shows 27 common shares beneficially owned following the reported transaction.

Was cash paid for the dividend equivalent units reported on the Form 4?

No cash was reported; the Form 4 lists a price of $0 for the dividend equivalent units.

What are dividend equivalent units as described in the filing?

The filing states each dividend equivalent unit is the economic equivalent of one common share and vests proportionately with the related awards.

Who filed the Form 4 and when was it signed?

The Form 4 was filed via attorney-in-fact David B. Weinstock and signed on 09/12/2025.