ESNT Essent Group Ltd.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Private mortgage insurance and reinsurance services supporting U.S. housing finance, with key segments Mortgage Insurance and newly separate Reinsurance
• • New segment report: Reinsurance split out from Mortgage Insurance starting Q4 2025, reflecting entry into Lloyd's market for property and casualty reinsurance in 2026
• • Title insurance emphasis: Expanded through acquisitions of Agents National Title Insurance and Boston National Title in 2023, integrated as Corporate and Other segment
• • Quantitative highlight: Mortgage insurance in force $248.4B as of Dec 31, 2025, with NIW approx. $46.6B in 2025, up from $45.6B in 2024
• • Noteworthy fact: Portfolio credit quality stable with 2.5% default rate on 807K policies in force as of 2025, despite 2024 natural disasters impacting some regions

Risk Factors

• • Consumer Financial Protection Bureau ("CFPB") QM rule may reduce origination market, incentivizing use of government mortgage insurance programs over private insurers
• • Top ten customers generated 59.3% of NIW in 2025, up from 50.2% in 2024, increasing dependency on key customers
• • Increased FHFA GSE credit risk sharing and direct mortgage insurance placements may reduce traditional private mortgage insurance opportunities
• • Intense competition from six approved private mortgage insurers with possible entry of new competitors and FHA government programs eroding market share
• • Investment portfolio vulnerable to rising interest rates, causing market value declines and potentially impeding liquidity and operating results

Management Discussion & Analysis

• • Total revenue $1.15B in 2025 vs $1.14B in 2024, Mortgage Insurance net premiums earned $867M up 1.3% YoY ($855.8M in 2024)
• • Operating income before tax $768.3M in 2025 vs $804.9M in 2024, combined ratio 32.9% in 2025 vs 26.3% in 2024 (worsened margin)
• • Best segment: Mortgage Insurance income $768.3M; Worst segment: Corporate & Other loss $24.1M in 2025
• • Cash flow operations $856.1M in 2025 stable vs $861.5M in 2024; share repurchases $709.7M vs $164.9M; dividends paid from subsidiaries $495M in 2025; investing cash outflow $154.7M
• • Management expects sufficient liquidity for next 12 months but notes potential capital needs for regulatory changes and business growth risks

What are the latest ESNT SEC filings in 2026?

Essent Group Ltd. (ESNT) has filed a 10-K annual report on February 18, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on May 8, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did ESNT file its most recent 10-K annual report?

Essent Group Ltd. (ESNT) filed its most recent 10-K annual report on February 18, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view ESNT 10-Q quarterly reports?

Essent Group Ltd. (ESNT)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every ESNT 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has ESNT filed recently?

Essent Group Ltd. (ESNT)'s most recent 8-K was filed on May 8, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find ESNT insider trading activity (Form 4)?

SignalX aggregates every ESNT Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does ESNT file with the SEC?

Essent Group Ltd. (ESNT) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new ESNT filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Essent Group Ltd. (ESNT).

What is ESNT's SEC CIK number?

Essent Group Ltd. (ESNT)'s SEC CIK (Central Index Key) number is 1448893. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1448893 to look up all ESNT filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find ESNT return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Essent Group Ltd. (ESNT) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.