[Form 4] Essent Group Ltd. Insider Trading Activity

Rhea-AI Filing Summary

Christopher G. Curran, President of Essent Guaranty, Inc. and an officer of Essent Group Ltd. (ESNT), reported an acquisition on 09/10/2025. The Form 4 shows he received 511 dividend equivalent units on unvested restricted stock/unit awards, which are the economic equivalent of common shares and vest proportionately with the underlying awards. After the reported transaction, he beneficially owns 3,725 common shares. The units were recorded at a $0 price in this filing and are direct ownership.

Positive

• Increased insider alignment: Reporting person acquired 511 dividend equivalent units, raising direct beneficial ownership to 3,725 shares.
• Clear disclosure: Explanation states dividend equivalents vest proportionately with the underlying restricted awards, providing transparency on the nature of the accrual.

Negative

• None.

Insights

Financial Analyst

TL;DR: A routine insider acquisition of dividend equivalents increased direct holdings to 3,725 shares; no cash consideration reported.

The Form 4 documents a non-derivative acquisition of 511 dividend equivalent units tied to unvested restricted awards. These units represent the economic equivalent of common shares and vest with the underlying awards, so the transaction reflects compensation-related accrual rather than an open-market purchase. The filing reports direct beneficial ownership of 3,725 shares after the transaction and a reported price of $0, consistent with dividend-equivalent accounting treatment.

Corporate Governance Expert

TL;DR: Governance-normal disclosure of dividend-equivalent accruals; no change to control or significant ownership stake.

This disclosure is standard for officers receiving dividend equivalent rights on restricted stock or RSUs. The explanation clarifies that dividend equivalents vest proportionately with the awards. The direct ownership figure post-transaction is modest and the filing was executed via attorney-in-fact, which is common for timely reporting. There are no indications here of accelerated vesting, related-party transfers, or other governance red flags.

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^*

Curran Christopher G

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Pres., Essent Guaranty, Inc.

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		511		(1)	(1)	Common shares, par value $0.015	3,725	$0	3,725	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 Christopher G. Curran report on the Form 4 for ESNT?

He reported the acquisition of 511 dividend equivalent units on 09/10/2025, resulting in 3,725 shares beneficially owned following the transaction.

Do the dividend equivalent units reported by ESNT have a purchase price?

The filing records a $0 price for the dividend equivalent units, consistent with their treatment as accrued rights tied to restricted awards.

Are the dividend equivalents exercisable immediately?

The Form 4 explains the dividend equivalents vest proportionately with the underlying restricted stock/RSU awards; no separate immediate exercisability is stated.

What is Christopher G. Curran's role at Essent Group Ltd.?

The filing lists him as a Director and an Officer (President, Essent Guaranty, Inc.).

Was this Form 4 filed jointly or by one reporting person?

The filing indicates it was filed by one reporting person.