Is the ESNT Form 4 transaction related to a Rule 10b5-1 trading plan?

The filing indicates the Rule 10b5-1 checkbox is not affirmed for this transaction, and the footnotes do not describe it as made under a Rule 10b5-1 trading plan.

Essent director granted 13 dividend units

Q: What insider transaction did ESNT director April Joyce Galda report?

She reported an acquisition of 13 dividend equivalent units on September 10, 2026, as a grant or award tied to her existing unvested restricted stock and/or restricted stock unit awards.

Q: Was April Joyce Galda’s ESNT transaction a market purchase or sale?

No market trade is reported. The Form 4 describes a grant or award acquisition (code A) of 13 dividend equivalent units at a stated price of $0.0000 per unit, reflecting an equity-based award rather than an open-market transaction.

Essent Group Ltd. director received a small grant of dividend equivalent units tied to existing unvested equity awards.

Filing Impact

(Neutral)

Filing Sentiment

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Sentiment and the balance of points

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Form Type

Rhea-AI Filing Summary

Essent Group Ltd. (ESNT) director April Joyce Galda reported an acquisition of 13 dividend equivalent units on September 10, 2026. These units accrued on her unvested restricted stock and/or restricted stock unit awards and vest proportionately with those awards. After this grant, she holds 28 dividend equivalent units, each economically equivalent to one common share.

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 ^F1	13	$0.00	$0.00

Holdings After Transaction: Dividend equivalent units — 28 contracts (Direct)

Footnotes (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.

Key Figures

Dividend equivalent units acquired: 13 units Dividend equivalent units held after transaction: 28 units Stated transaction price per dividend equivalent unit: $0.0000 per unit +1 more

4 metrics

Dividend equivalent units acquired 13 units Grant or award acquisition on September 10, 2026

Dividend equivalent units held after transaction 28 units Total reported position following the September 10, 2026 award

Stated transaction price per dividend equivalent unit $0.0000 per unit Award of 13 dividend equivalent units

Underlying common shares for dividend equivalent units 28 common shares equivalent Each dividend equivalent unit is the economic equivalent of one common share

Key Terms

Dividend equivalent units, restricted stock unit award(s), economic equivalent

3 terms

Dividend equivalent units financial

"The dividend equivalent rights accrued on unvested restricted stock award(s)"

Dividend equivalent units are bookkeeping credits that mirror cash dividends paid on actual shares, granted to holders of stock-based awards such as restricted stock units or deferred compensation. They matter to investors because they increase a company’s reported employee compensation cost and can lead to issuance of more shares or cash payouts over time, similar to extra pay linked to ownership that affects shareholder dilution and corporate cash flow.

restricted stock unit award(s) financial

"rights accrued on unvested restricted stock award(s) and/or unvested restricted stock unit"

economic equivalent financial

"Each dividend equivalent unit is the economic equivalent of one common share"

FAQ

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

What insider transaction did ESNT director April Joyce Galda report?

She reported an acquisition of 13 dividend equivalent units on September 10, 2026, as a grant or award tied to her existing unvested restricted stock and/or restricted stock unit awards.

How many ESNT dividend equivalent units does April Joyce Galda hold after this Form 4?

Following the reported transaction, April Joyce Galda holds 28 dividend equivalent units, each described as the economic equivalent of one common share of Essent Group Ltd.

What are dividend equivalent units for ESNT in this filing?

The filing states that dividend equivalent rights accrue on unvested restricted stock and/or restricted stock unit awards and vest proportionately with those awards. Each dividend equivalent unit is the economic equivalent of one Essent Group Ltd. common share.

Was April Joyce Galda’s ESNT transaction a market purchase or sale?

No market trade is reported. The Form 4 describes a grant or award acquisition (code A) of 13 dividend equivalent units at a stated price of $0.0000 per unit, reflecting an equity-based award rather than an open-market transaction.

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

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Available on EDGAR 09/14/2026 - 05:17 PM EDT Accepted by SEC EDGAR 09/14/2026 - 05:15 PM EDT

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

HM11

(City)

(State)

(Zip)

BERMUDA

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/10/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Dividend equivalent units	⁽¹⁾	09/10/2026		A		13		⁽¹⁾	⁽¹⁾	Common shares, par value $0.015	28	$0	28	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	09/14/2026
	** 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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR