ESNT at a glance
Essent Group Ltd. (ESNT, SEC CIK 1448893) filed its latest 10-K annual report on February 18, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 7, 2026 and Form 4 insider filings as recently as September 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Essent Group Ltd. (ESNT) reported revenue of $1.3 billion (up 1.5% from FY2024) and net income of $690.0 million. Diluted EPS was $6.90.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding Essent Group Ltd. (ESNT) shares worth $3.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by WEINSTOCK DAVID B on September 15, 2026 of 5,500 shares at $68.54 per share.
- In the last 90 days, ESNT insiders reported 0 open-market purchases ($0) and 12 open-market sales ($11.9M) on Form 4, a net sale of $11.9M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.3B
- +1.5% vs prior year
- Insiders · 90 days
- 0 buys · 12 sells
- Net −$11.9M
- 13F holders
- 32 funds
- $3.1B · +0 vs prior quarter
- Latest 8-K
- Aug 7, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the ESNT 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- No profitability or margin percentages provided
- Headwinds: GSE changes, competition, economic deterioration, interest-rate volatility, capital availability and reinsurance constraints
Risk Factors
- No risk-factors section provided in submitted text
- No newly added risk or 10-K comparison disclosed
- Share-repurchase authorization: $223.3 million remaining as of June 30, 2026
- Insider trading-plan disclosure: up to 2,337 shares sold through June 15, 2027
AI summary of the ESNT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Essent issued financial results for quarter ended June 30, 2026, on August 7, 2026
- Detailed results and management commentary contained in Exhibit 99.1 press release
Item 2.02: Results of Operations and Financial Condition
- Essent reported financial results for quarter ended March 31, 2026
- Full results and management commentary contained in furnished Exhibit 99.1
AI summaries of ESNT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ESNT
Don't miss the next ESNT filing
- Alerts as it files. A push when ESNT files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut ESNT, by share count.
- Ask anything. An AI agent that reads every ESNT filing and answers with sources.
ESNT alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| WEINSTOCK DAVID B | Sell | Sep 15, 2026 | 5,500 | $68.54 |
| KASMAR ROY JAMES | G | Sep 14, 2026 | 2,625 | - |
| KASMAR ROY JAMES | G | Sep 14, 2026 | 2,625 | - |
| KASMAR ROY JAMES | Sell | Sep 14, 2026 | 2,500 | $68.70 |
| KASMAR ROY JAMES | Sell | Sep 14, 2026 | 2,337 | $68.73 |
| Karna Anu | A | Sep 10, 2026 | 13 | - |
| Galda April Joyce | A | Sep 10, 2026 | 13 | - |
| Connor Martin P. | A | Sep 10, 2026 | 13 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.1B | $1.2B | $1.3B |
| Net Income | $696.4M | $729.4M | $690.0M |
| Net Margin | 62.8% | 58.7% | 54.7% |
| Balance Sheet | |||
| Total Assets | $6.4B | $7.1B | $7.4B |
| Equity | $5.1B | $5.6B | $5.8B |
| ROE | 13.6% | 13.0% | 12.0% |
| Per Share | |||
| EPS | - | $6.85 | $6.90 |
| Cash Flow | |||
| Operating CF | $763.0M | $861.5M | $856.1M |
| CapEx | $4.0M | $6.8M | $7.4M |
Source: XBRL data in Essent Group Ltd. (ESNT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ESNT share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $3.06B |
| Q1 2026 | 32 | $2.89B |
| Q4 2025 | 30 | $3.24B |
| Q3 2025 | 31 | $3.25B |
| Q2 2025 | 31 | $3.19B |
| Q1 2025 | 27 | $2.28B |
| Q4 2024 | 21 | $2.10B |
| Q3 2024 | 19 | $1.11B |
- BlackRock+472.4K (+4%)
- Vanguard Portfolio Management LLC+203.8K (+3%)
- Citadel Advisors LLC+170.9K (+139%)
- Ameriprise Financial+161.4K (+17%)
- D.E. Shaw & Co+114.3K (+35%)
- FMR LLC (Fidelity)−2.18M (-43%)
- Invesco Ltd−682.5K (-64%)
- Millennium Management−125.9K (-29%)
- Morgan Stanley−101.6K (-8%)
- JPMorgan Chase & Co−98.4K (-15%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 223 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ESNT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 8-K | Aug 7, 2026 | - | Analysis | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 20, 2026 | - | - | - |
| 4 | Jul 16, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
Related Financials companies
- MBI · MBIA INCSurety Insurance
- NMIH · NMI Holdings, Inc.Surety Insurance
- OSG · OCTAVE SPECIALTY GROUP INCSurety Insurance
- ORI · Old Republic International CorpSurety Insurance
- RDN · RADIAN GROUP INCSurety Insurance
- SRCE · 1ST SOURCE CORPState Commercial Banks
- ABX · Abacus Global Management, Inc.Investment Advice
- ACTG · ACACIA RESEARCH CORPPatent Owners & Lessors
ESNT SEC filings: frequently asked questions
Are ESNT insiders buying or selling?
In the last 90 days, Essent Group Ltd. (ESNT) officers, directors and 10% owners reported no open-market purchases and 12 open-market sales worth $11.9 million by 6 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold ESNT stock?
As of June 30, 2026, the largest Essent Group Ltd. (ESNT) holders among the 13F filers tracked by SignalX were BlackRock ($798.8 million), Vanguard Portfolio Management LLC ($487.2 million), Dimensional Fund Advisors ($348.1 million), Vanguard Capital Management LLC ($256.5 million), State Street Corp ($251.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ESNT's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Essent Group Ltd. (ESNT) reported revenue of $1.3 billion (up 1.5% from FY2024) and net income of $690.0 million. Diluted EPS was $6.90. The figures come from the XBRL data in the 10-K.
What are the main risks in ESNT's latest 10-K?
In the 10-K filed February 18, 2026, Essent Group Ltd. (ESNT) flagged: 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. (AI summary of the Risk Factors section.)
What did ESNT report in its latest 8-K?
Essent Group Ltd. (ESNT) filed an 8-K on August 7, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Essent issued financial results for quarter ended June 30, 2026, on August 7, 2026.
What are the latest ESNT SEC filings?
Essent Group Ltd. (ESNT) filed its latest 10-K annual report on February 18, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 7, 2026 and a Form 4 insider filing on September 17, 2026.
What is ESNT's SEC CIK number?
Essent Group Ltd. (ESNT)'s SEC Central Index Key (CIK) is 1448893. EDGAR lists every ESNT filing under that number.
Ask anything about ESNT
The research agent reads ESNT's filings, financials, insider trades and 13F holders, then answers with sources.