ESNT Essent Group Ltd.companySEC Filings & Insider Trading Activity 2026
Latest Essent Group Ltd. (ESNT) SEC EDGAR filings in 2026 — including the most recent 10-K annual report filed on February 18, 2026, a 10-Q quarterly report filed on November 7, 2025, an 8-K current report filed on February 13, 2026. SignalX aggregates every new 10-K annual report, 10-Q quarterly report, 8-K current report, and Form 4 insider transaction for Essent Group Ltd. (ESNT) (SEC CIK 1448893), with AI-powered section-by-section summaries updated daily.
Latest 2026 SEC Filing Dates
AI 10-K Annual Report AnalysisLatest 10-K (2025-12-31)
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
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
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)
AI 10-Q Quarterly Report AnalysisLatest 10-Q (2025-09-30)
Management Discussion & Analysis
- • Revenue $311.8M Q3 2025, down 1.5% YoY from $316.6M Q3 2024; nine months $948.5M up 2.2% YoY from $927.9M
- • Net income $164.2M Q3 2025, down 6.8% YoY from $176.2M; operating margin approx. 52.7% vs 55.6% Q3 2024 (income before tax/net premiums earned)
Risk Factors
- • New title insurance risk from acquisitions of Agents National Title and Boston National Title effective July 1, 2023 and January 1, 2025, expanding operations
- • Most materially updated market risk: mortgage interest rates remain elevated, lowering NIW to $12.2B Q3 2025 vs $12.5B Q3 2024, reducing mortgage originations
Annual Reports Archive10-K
AI-powered analysis of Essent Group Ltd. (ESNT) 10-K annual reports filed with SEC EDGAR.
Quarterly Reports Archive10-Q
AI-powered analysis of Essent Group Ltd. (ESNT) 10-Q quarterly reports filed with SEC EDGAR.
Financial SummaryXBRL
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Profitability | |||||
| Revenue | $1.0B | $1.0B | $1.1B | $1.2B | $1.3B |
| Net Income | $681.8M | $831.4M | $696.4M | $729.4M | $690.0M |
| Net Margin | 66.3% | 83.1% | 62.8% | 58.7% | 54.7% |
| Balance Sheet | |||||
| Total Assets | $5.7B | $5.7B | $6.4B | $7.1B | $7.4B |
| Equity | $4.2B | $4.5B | $5.1B | $5.6B | $5.8B |
| ROE | 16.1% | 18.6% | 13.6% | 13.0% | 12.0% |
Source: XBRL financial data from Essent Group Ltd. (ESNT) 10-K filings on SEC EDGAR. All figures in USD. Key metrics include revenue, net income, gross profit, gross profit margin, operating income, EPS (diluted), total assets, stockholders' equity, return on equity (ROE), operating cash flow, and capital expenditure.
Latest 2026 SEC Filings — 10-K, 10-Q, 8-K & Form 4
| Form | Filing Date | Period | Analysis | SEC |
|---|---|---|---|---|
10-K | Feb 18, 2026 | Dec 31, 2025 | Analysis | |
8-K | Feb 13, 2026 | — | — | |
10-Q | Nov 7, 2025 | Sep 30, 2025 | Analysis | |
10-Q | Aug 8, 2025 | Jun 30, 2025 | — | |
10-Q | May 9, 2025 | Mar 31, 2025 | — | |
10-K | Feb 19, 2025 | Dec 31, 2024 | — | |
10-Q | Nov 5, 2024 | Sep 30, 2024 | — | |
10-Q | Aug 6, 2024 | Jun 30, 2024 | — | |
10-Q | May 7, 2024 | Mar 31, 2024 | — | |
10-K | Feb 16, 2024 | Dec 31, 2023 | — | |
10-Q | Nov 7, 2023 | Sep 30, 2023 | — | |
10-Q | Aug 8, 2023 | Jun 30, 2023 | — | |
10-Q | May 10, 2023 | Mar 31, 2023 | — | |
10-K | Feb 17, 2023 | Dec 31, 2022 | — | |
10-Q | Nov 8, 2022 | Sep 30, 2022 | — | |
10-Q | Aug 8, 2022 | Jun 30, 2022 | — | |
10-Q | May 6, 2022 | Mar 31, 2022 | — | |
10-K | Feb 16, 2022 | Dec 31, 2021 | — | |
10-Q | Nov 8, 2021 | Sep 30, 2021 | — | |
10-Q | Aug 6, 2021 | Jun 30, 2021 | — | |
10-Q | May 7, 2021 | Mar 31, 2021 | — | |
10-K | Feb 26, 2021 | Dec 31, 2020 | — | |
10-Q | Nov 6, 2020 | Sep 30, 2020 | — | |
10-Q | Aug 10, 2020 | Jun 30, 2020 | — | |
10-Q | May 8, 2020 | Mar 31, 2020 | — |
Frequently Asked Questions
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 November 7, 2025, an 8-K current report on February 13, 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 November 7, 2025. 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 February 13, 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.
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