ESNT on NYSE
Essent Group Ltd.
Surety insurance company based in Hamilton, Bermuda, listed on NYSE (ESNT)2
In its 2026 annual report the company says: “We serve the housing finance industry by providing private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers and investors to support homeownership. Our Mortgage Insurance segment offers private mortgage insurance for mortgages secured by residential properties located in the United States.”5
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Last updated Oct 21, 2026.
Overview
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- TickerESNT on NYSE2
- IndustrySurety Insurance2
- HeadquartersHamilton, Bermuda2
- Incorporated inBermuda3
- Business addressClarendon House, 2 Church Street, Hamilton, D0 Hm 113
- Filer categoryLarge accelerated filer3
- Legal formExempted Companies Limited by Shares2
- LEI254900QUO860OUT6ZF832
- StatusActive2
- LEI statusIssued and current2
- Registered addressC/O Charles G. Collis, HM 11 Hamilton, Bermuda2
- Registered withRegistrar of Companies (Ministry of Economic Development), 420852
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We serve the housing finance industry by providing private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers and investors to support homeownership. We conduct our operations through two primary business segments: Mortgage Insurance and Reinsurance.5 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Business segments
Mortgage Insurance brought in 92% of the revenue Essent Group Ltd. broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2023 | 2024 | 2025 |
|---|---|---|---|
| Mortgage Insurance | $955.0M | $1.0B | $1.1B |
| Reinsurance | $97.6M | $97.0M | $89.6M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs35¢$439.1M
- Income tax10¢$131.9M
- Profit55¢$690.0M
Out of $1.3B in revenue.6
Where each dollar of operating cash went, fiscal 2025
- Capital spending1¢$7.4M
- Dividends paid14¢$122.1M
- Share buybacks69¢$587.7M
- Kept or used elsewhere16¢$138.9M
Out of $856.1M of cash from operations.6
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net premiums written | $959.5M | $966.6M | $894.3M |
| Decrease in unearned premiums | $24.3M | $24.3M | $22.6M |
| Net premiums earned | $983.7M | $990.9M | $916.9M |
| Net investment income | $236.5M | $222.1M | $186.1M |
| Realized investment gains (losses), net | -$923.0K | -$2.4M | -$7.2M |
| Income from other invested assets | $17.6M | $7.4M | -$11.1M |
| Other income | $24.0M | $24.9M | $25.0M |
| Total revenues | $1.3B | $1.2B | $1.1B |
| Provision for losses and LAE | $149.3M | $81.2M | $31.5M |
| Other underwriting and operating expenses | $257.0M | $270.9M | $225.1M |
| Interest Expense, Operating | $32.7M | $35.3M | $30.1M |
| Total losses and expenses | $439.1M | $387.4M | $286.8M |
| Income (loss) before income taxes | $821.9M | $855.5M | $823.0M |
| Income tax expense | $131.9M | $126.1M | $126.6M |
| Net income | $690.0M | $729.4M | $696.4M |
| Basic (in dollars per share) | $6.97 | $6.92 | $6.56 |
| Diluted (in dollars per share) | $6.90 | $6.85 | $6.50 |
| Basic (in shares) | 99.0M shares | 105.4M shares | 106.2M shares |
| Diluted (in shares) | 100.0M shares | 106.5M shares | 107.1M shares |
| Change in unrealized appreciation (depreciation) of investments, net of tax expense (benefit) of $26,691 in 2025, $(7,818) in 2024 and $17,944 in 2023 | $152.0M | -$23.5M | $102.3M |
| Total other comprehensive income (loss) | $152.0M | -$23.5M | $102.3M |
| Comprehensive income | $842.0M | $705.9M | $798.7M |
| Change in unrealized (depreciation) appreciation of investments, tax (benefit) expense | $26.7M | -$7.8M | $17.9M |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Total investments available for sale | $6.1B | $5.9B | ||
| Other invested assets | $382.5M | $303.9M | ||
| Total investments | $6.5B | $6.2B | ||
| Cash | $123.0M | $131.5M | ||
| Accrued investment income | $47.4M | $43.7M | ||
| Accounts receivable | $51.3M | $55.6M | ||
| Deferred policy acquisition costs | $9.5M | $9.7M | ||
| Property, equipment and software (at cost, less accumulated depreciation of $71,466 in 2025 and $72,270 in 2024) | $49.2M | $41.9M | ||
| Prepaid federal income tax | $513.4M | $489.6M | ||
| Goodwill and acquired intangible assets, net | $78.2M | $79.6M | ||
| Other assets | $82.4M | $79.6M | ||
| Total assets | $7.4B | $7.1B | ||
| Reserve for losses and LAE | $446.8M | $328.9M | $260.1M | $216.5M |
| Unearned premium reserve | $91.7M | $116.0M | ||
| Net deferred tax liability | $465.4M | $392.4M | ||
| Senior notes due 2029, net | $495.3M | $494.0M | ||
| Other accrued liabilities | $185.1M | $176.8M | ||
| Total liabilities | $1.7B | $1.5B | ||
| Common shares, $0.015 par value: Authorized - 233,333; issued and outstanding - 95,456 shares in 2025 and 105,015 shares in 2024 | $1.4M | $1.6M | ||
| Additional paid-in capital | $649.9M | $1.2B | ||
| Accumulated other comprehensive income (loss) | -$152.0M | -$304.0M | ||
| Retained earnings | $5.3B | $4.7B | ||
| Total stockholders' equity | $5.8B | $5.6B | $5.1B | |
| Total liabilities and stockholders' equity | $7.4B | $7.1B | ||
| Amortized Cost | $6.3B | $6.2B | ||
| Accumulated depreciation | $71.5M | $72.3M | ||
| Common shares, par value (in dollars per share) | $0.01 | $0.01 | ||
| Common shares, authorized (in shares) | 233.3M shares | 233.3M shares | ||
| Common shares, issued (in shares) | 95.5M shares | 105.0M shares | ||
| Common shares, outstanding (in shares) | 95.5M shares | 105.0M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Total investments available for sale | $6.1B | $5.9B | ||
| Other invested assets | $382.5M | $303.9M | ||
| Total investments | $6.5B | $6.2B | ||
| Cash | $123.0M | $131.5M | ||
| Accrued investment income | $47.4M | $43.7M | ||
| Accounts receivable | $51.3M | $55.6M | ||
| Deferred policy acquisition costs | $9.5M | $9.7M | ||
| Property, equipment and software (at cost, less accumulated depreciation of $71,466 in 2025 and $72,270 in 2024) | $49.2M | $41.9M | ||
| Prepaid federal income tax | $513.4M | $489.6M | ||
| Goodwill and acquired intangible assets, net | $78.2M | $79.6M | ||
| Other assets | $82.4M | $79.6M | ||
| Total assets | $7.4B | $7.1B | ||
| Reserve for losses and LAE | $446.8M | $328.9M | $260.1M | $216.5M |
| Unearned premium reserve | $91.7M | $116.0M | ||
| Net deferred tax liability | $465.4M | $392.4M | ||
| Senior notes due 2029, net | $495.3M | $494.0M | ||
| Other accrued liabilities | $185.1M | $176.8M | ||
| Total liabilities | $1.7B | $1.5B | ||
| Common shares, $0.015 par value: Authorized - 233,333; issued and outstanding - 95,456 shares in 2025 and 105,015 shares in 2024 | $1.4M | $1.6M | ||
| Additional paid-in capital | $649.9M | $1.2B | ||
| Accumulated other comprehensive income (loss) | -$152.0M | -$304.0M | ||
| Retained earnings | $5.3B | $4.7B | ||
| Total stockholders' equity | $5.8B | $5.6B | $5.1B | |
| Total liabilities and stockholders' equity | $7.4B | $7.1B | ||
| Amortized Cost | $6.3B | $6.2B | ||
| Accumulated depreciation | $71.5M | $72.3M | ||
| Common shares, par value (in dollars per share) | $0.01 | $0.01 | ||
| Common shares, authorized (in shares) | 233.3M shares | 233.3M shares | ||
| Common shares, issued (in shares) | 95.5M shares | 105.0M shares | ||
| Common shares, outstanding (in shares) | 95.5M shares | 105.0M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $690.0M | $729.4M | $696.4M |
| Realized investment losses, net | $923.0K | $2.4M | $7.2M |
| (Income) loss from other invested assets | -$17.6M | -$7.4M | $11.1M |
| Distribution of income from other invested assets | $12.7M | $13.8M | $7.4M |
| Depreciation and amortization | $5.2M | $5.8M | $4.5M |
| Loss on disposal of property and equipment | $68.0K | $0 | $0 |
| Stock-based compensation expense | $20.8M | $24.8M | $18.4M |
| Amortization of premium on investment securities | $14.4M | $20.2M | $14.9M |
| Deferred income tax provision (benefit) | $48.6M | $32.2M | -$13.2M |
| Accrued investment income | -$3.6M | -$8.0M | -$2.5M |
| Accounts receivable | $4.4M | $7.5M | -$2.1M |
| Deferred policy acquisition costs | $106.0K | -$515.0K | $771.0K |
| Prepaid federal income tax | -$23.8M | -$19.0M | -$52.2M |
| Other assets | -$10.7M | -$18.7M | $63.0M |
| Reserve for losses and LAE | $118.0M | $68.8M | $29.0M |
| Unearned premium reserve | -$24.3M | -$24.3M | -$22.6M |
| Other accrued liabilities | $20.9M | $34.6M | $2.9M |
| Net cash provided by operating activities | $856.1M | $861.5M | $763.0M |
| Net change in short-term investments | $115.5M | $164.7M | -$655.6M |
| Purchase of investments available for sale | -$1.1B | -$1.6B | -$1.1B |
| Proceeds from maturities and paydowns of investments available for sale | $831.4M | $411.6M | $664.2M |
| Proceeds from sales of investments available for sale | $99.8M | $415.1M | $707.5M |
| Purchase of other invested assets | -$77.8M | -$39.1M | -$40.0M |
| Return of investment from other invested assets | $4.1M | $5.9M | $5.2M |
| Net cash paid in acquisition | $0 | $0 | -$86.8M |
| Purchase of intangible assets | $0 | -$10.0M | $0 |
| Purchases of property and equipment and capitalization of internal-use software | -$7.4M | -$6.8M | -$4.0M |
| Net cash used in investing activities | -$154.7M | -$706.9M | -$525.6M |
| Issuance of senior notes | $0 | $498.2M | $0 |
| Credit facility repayments | $0 | -$425.0M | $0 |
| Treasury stock acquired | -$587.7M | -$111.5M | -$70.7M |
| Payment of debt issuance costs | $0 | -$8.5M | $0 |
| Dividends paid | -$122.1M | -$118.0M | -$106.2M |
| Net cash used in financing activities | -$709.7M | -$164.9M | -$176.9M |
| Net (decrease) increase in cash | -$8.4M | -$10.3M | $60.5M |
| Income tax payments | -$91.2M | -$92.5M | -$139.7M |
| Interest payments | -$31.2M | -$17.2M | -$28.6M |
| Property, equipment, and capitalized internal-use software costs included in other liabilities | $3.6M | $0 | $0 |
| Operating lease liabilities arising from obtaining right-of-use assets | $4.9M | $2.1M | $23.7M |
No quarter-by-quarter statement was filed.
Corporate structure
Essent Group Ltd. sits at the top of its group. 28 entities, 3 countries on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Essent Group Ltd.
- FMR LLC Filed SCHEDULE 13G/A on Essent Group Ltd., latest Aug 6, 2026 (5 filings since Feb 9, 2022)
- VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on Essent Group Ltd., latest Apr 28, 2026
- VANGUARD PORTFOLIO MANAGEMENT LLC Filed SCHEDULE 13G on Essent Group Ltd., latest Apr 28, 2026
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on Essent Group Ltd., latest Mar 26, 2026 (6 filings since Feb 10, 2022)
- Capital World Investors Filed SCHEDULE 13G/A on Essent Group Ltd., latest Feb 13, 2026 (6 filings since Feb 11, 2022)
- BlackRock Filed SCHEDULE 13G/A on Essent Group Ltd., latest Apr 30, 2025 (7 filings since Jan 26, 2022)
- DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G on Essent Group Ltd., latest Apr 15, 2025
- Essent Group Ltd. Hamilton, Bermuda
- Agents National Title Holding Company Subsidiary · Missouri, United States
- BNT Escrow Services LLC Subsidiary · North Carolina, United States
- BNT of Alabama LLC Subsidiary · Alabama, United States
- BNT of Oklahoma LLC Subsidiary · North Carolina, United States
- BNT of Utah LLC Subsidiary · Utah, United States
- Boston National Holdings LLC Subsidiary · Delaware, United States
- Boston National Title Agency LLC Subsidiary · Florida, United States
- CUW Solutions, LLC Subsidiary · Delaware, United States
- Essent Agency (Bermuda) Ltd. Subsidiary · Bermuda
- Essent Escrow of Arizona, LLC Subsidiary · North Carolina, United States
- Essent Guaranty of PA, Inc. Subsidiary · Pennsylvania, United States
- Essent Guaranty, Inc. Subsidiary · Philadelphia, Pennsylvania, United States
- Essent Irish Intermediate Holdings Ltd. Subsidiary · Ireland
- Essent Reinsurance Ltd. Subsidiary · Hamilton, Bermuda
- Essent Solutions, LLC Subsidiary · Delaware, United States
- Essent Title Holdings, Inc. Subsidiary · Delaware, United States
- Essent Title Insurance, Inc. (7) Subsidiary · Pennsylvania, United States
- Essent Title of California, Inc. Subsidiary · California, United States
- Essent Title of Louisiana, LLC Subsidiary · Louisiana, United States
- Essent Title of New Mexico, LLC Subsidiary · North Carolina, United States
- Essent Title of Texas, LLC Subsidiary · Texas, United States
- Essent Treasury Services, LLC Subsidiary · Delaware, United States
- Essent US Holdings, Inc. Subsidiary · Delaware, United States
- EssentVentures, LLC Subsidiary · Delaware, United States
- ETI Escrow Services, LLC Subsidiary · Delaware, United States
- and 2 more
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Essent Group Ltd. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $90.7M6 Dec 31, 2025 | $84.1M6 Dec 31, 2024 | +7.8% |
| Accumulated depreciation | $71.5M6 Dec 31, 2025 | $72.3M6 Dec 31, 2024 | −1.1% |
| Operating-lease assets (leased space) | $29.9M6 Dec 31, 2025 | $30.0M6 Dec 31, 2024 | −0.3% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Debt securities available for sale | $6.1B6 Dec 31, 2025 | $5.9B6 Dec 31, 2024 | +3.9% |
| Stakes in other companies (equity method) | $382.5M6 Dec 31, 2025 | $303.9M6 Dec 31, 2024 | +25.9% |
Intangibles and goodwill
Properties, in its own words
We lease office facilities in Radnor, Pennsylvania for the headquarters of our mortgage insurance business and title and settlement services operations, with additional offices in North Carolina, Pennsylvania, Missouri, New York and Virginia for our U.S.-based operations, and we lease office facilities in Bermuda for our holding company headquarters and reinsurance company. We believe our current facilities are adequate for our current needs and that suitable additional space will be available as and when needed.
Item 2 of the 10-K filed Feb 18, 2026.5
Leadership
Who has led Essent Group Ltd., and when. Pick a name to see everywhere that person has worked.
Chief executive
Chair
President
Chief financial officer
201520202025
- Chief executive officerMark Casale Oct 30, 2013 to now14
- ChairMark Casale Feb 19, 2014 to now15
- PresidentMark Casale Oct 30, 2013 to now14
- Chief financial officerDavid B. Weinstock Sep 14, 2022 to now16
- Chief financial officerLawrence E. McAlee Jr. Oct 30, 2013 to Jun 15, 202217
Board members and other officers (23)
- SVP, Corporate DevelopmentChristopher G. Curran Feb 20, 2019 to now18
- SVP & Chief Business OfficerJeff Cashmer May 5, 2016 to Sep 14, 202119
- Senior Vice PresidentJoseph Hissong May 5, 2016 to Mar 23, 202120
- Executive Vice PresidentAdolfo Marzol Oct 30, 2013 to Mar 3, 201521
- VP & Chief Accounting OfficerDavid B. Weinstock Oct 30, 2013 to Jun 15, 202222
- Sr. VP & Chief Risk OfficerVijay Bhasin Oct 30, 2013 to now23
- Board memberMartin P. Connor Feb 17, 2026 to now24
- Board memberDavid Benson May 9, 2025 to now25
- Board memberApril Joyce Galda Aug 14, 2025 to now26
- Board memberAnu Karna Aug 10, 2022 to now27
- Board memberAngela L. Heise May 14, 2018 to now28
- Board memberJane Chwick May 14, 2018 to Dec 14, 202129
- Board memberAdolfo Marzol May 5, 2016 to May 5, 201630
- Board memberAditya Dutt Oct 30, 2013 to now31
- Board memberAllan Levine Oct 30, 2013 to now32
- Board memberAndrew Turnbull Oct 30, 2013 to May 4, 201833
- Board memberMark Casale Oct 30, 2013 to Nov 5, 201314
- Board memberRobert Glanville Oct 30, 2013 to now34
- Board memberRoy James Kasmar Oct 30, 2013 to now35
- Board memberVipul Tandon Oct 30, 2013 to May 11, 201536
- Board memberWilliam Spiegel Oct 30, 2013 to now37
- Board memberDouglas J. Pauls Dec 10, 2013 to now38
- General counselMary Lourdes Gibbons Oct 30, 2013 to now39
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- Agents National Title Holding Company Missouri4
- BNT Escrow Services LLC North Carolina4
- BNT of Alabama LLC Alabama4
- BNT of Oklahoma LLC North Carolina4
- BNT of Utah LLC Utah4
- Boston National Holdings LLC Delaware4
- Boston National Title Agency LLC Florida4
- CUW Solutions, LLC Delaware4
- ETI Escrow Services, LLC Delaware4
- Essent Agency (Bermuda) Ltd. Bermuda4
- Essent Escrow of Arizona, LLC North Carolina4
- Essent Guaranty of PA, Inc. Pennsylvania4
- Essent Guaranty, Inc. Pennsylvania4
- Essent Irish Intermediate Holdings Ltd. Republic of Ireland4
- Essent Reinsurance Ltd. Bermuda4
- Essent Solutions, LLC Delaware4
- Essent Title Holdings, Inc. Delaware4
- Essent Title Insurance, Inc. (7) Pennsylvania4
- Essent Title of California, Inc. California4
- Essent Title of Louisiana, LLC Louisiana4
- Essent Title of New Mexico, LLC North Carolina4
- Essent Title of Texas, LLC Texas4
- Essent Treasury Services, LLC Delaware4
- Essent US Holdings, Inc. Delaware4
All 27 listed subsidiaries
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Aug 7, 20268-K Results of operations40
- May 8, 20268-K Results of operations41
- Feb 13, 20268-K Results of operations42
- Nov 7, 20258-K Results of operations43
- Aug 8, 20258-K Results of operations44
- May 9, 20258-K Results of operations45
- Mar 27, 20258-K Results of operations; Regulation FD disclosure46
- Feb 14, 20258-K Results of operations47
- Nov 1, 20248-K Results of operations48
- Aug 2, 20248-K Results of operations49
- Jul 1, 20248-K Other events50
- Jun 26, 20248-K Entered a material agreement; New debt or obligation51
- Oct 30, 2013New chief executive Mark Casale becomes CEO14
- Jul 1, 2008Founded Essent Group Ltd. is founded2
Calendar
Coming up
- Nov 6, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $1.67 a share, on Nov 7, 2025.52
When it reported results
- Aug 7, 2026Reported quarterly or annual results40
- May 8, 2026Reported quarterly or annual results41
- Feb 13, 2026Reported quarterly or annual results42
- Nov 7, 2025Reported quarterly or annual results43
- Aug 8, 2025Reported quarterly or annual results44
- May 9, 2025Reported quarterly or annual results45
- Mar 27, 2025Reported quarterly or annual results46
- Feb 14, 2025Reported quarterly or annual results47
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
558 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 29 major events, 431 insider forms, 27 large holders, 51 other. The latest 20:
- Sep 17, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 2026144 EDGAR
- Sep 14, 2026144 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 14, 20264 EDGAR
- Sep 8, 20264 EDGAR
- Aug 25, 20264 EDGAR
- Aug 24, 2026144 EDGAR
The 558 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
64 open-market trades by officers, directors and large owners since October 2021: 2 buys and 62 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 15, 2026 | WEINSTOCK DAVID BSVP and CFO | Sale | 5,500 | $68.54 | $377.0K | Form 4 |
| Sep 14, 2026 | KASMAR ROY JAMESDirector | Sale | 4,837 | $68.71 | $332.4K | Form 4 |
| Sep 3, 2026 | CASALE MARKChairman, CEO and President | Sale | 798 | $70.01 | $55.9K | Form 4 |
| Aug 24, 2026 | PAULS DOUGLAS JDirector | Sale | 2,500 | $69.70 | $174.2K | Form 4 |
| Aug 19, 2026 | CASALE MARKChairman, CEO and President | Sale | 21,607 | $70.07 | $1.5M | Form 4 |
| Aug 18, 2026 | Bhasin VijaySVP and Chief Risk Officer | Sale | 14,175 | $70.00 | $992.2K | Form 4 |
| Aug 18, 2026 | CASALE MARKChairman, CEO and President | Sale | 20,246 | $70.18 | $1.4M | Form 4 |
| Aug 7, 2026 | Bhasin VijaySVP and Chief Risk Officer | Sale | 483 | $70.00 | $33.8K | Form 4 |
| Jul 17, 2026 | Gibbons Mary LourdesSVP and Chief Legal Officer | Sale | 4,678 | $67.04 | $313.6K | Form 4 |
| Jul 14, 2026 | CASALE MARKChairman, CEO and President | Sale | 78,699 | $65.23 | $5.1M | Form 4 |
| Jul 13, 2026 | CASALE MARKChairman, CEO and President | Sale | 23,900 | $65.07 | $1.6M | Form 4 |
| Jul 7, 2026 | CASALE MARKChairman, CEO and President | Sale | 29,329 | $65.35 | $1.9M | Form 4 |
| Jul 6, 2026 | CASALE MARKChairman, CEO and President | Sale | 1,245 | $65.08 | $81.0K | Form 4 |
| Jun 30, 2026 | CASALE MARKChairman, CEO and President | Sale | 3,763 | $65.01 | $244.6K | Form 4 |
| Jun 26, 2026 | WEINSTOCK DAVID BSVP and CFO | Sale | 5,500 | $63.51 | $349.3K | Form 4 |
| Apr 28, 2026 | Gibbons Mary LourdesSVP and Chief Legal Officer | Sale | 4,250 | $65.01 | $276.3K | Form 4 |
| Apr 28, 2026 | CASALE MARKChairman, CEO and President | Sale | 13,064 | $65.05 | $849.8K | Form 4 |
| Apr 20, 2026 | Gibbons Mary LourdesSVP and Chief Legal Officer | Sale | 7,628 | $63.01 | $480.6K | Form 4 |
| Apr 17, 2026 | Gibbons Mary LourdesSVP and Chief Legal Officer | Sale | 872 | $63.00 | $54.9K | Form 4 |
| Dec 18, 2025 | Gibbons Mary LourdesSVP and Chief Legal Officer | Sale | 4,352 | $67.00 | $291.6K | Form 4 |
All 64 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- FMR LLCSCHEDULE 13G/A, 5 filings Feb 9, 2022 to Aug 6, 202653
- VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 28, 202654
- VANGUARD PORTFOLIO MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 28, 202655
- VANGUARD GROUP INCSCHEDULE 13G/A, 6 filings Feb 10, 2022 to Mar 26, 202656
- Capital World InvestorsSCHEDULE 13G/A, 6 filings Feb 11, 2022 to Feb 13, 202657
- BlackRockSCHEDULE 13G/A, 7 filings Jan 26, 2022 to Apr 30, 202558
- DIMENSIONAL FUND ADVISORS LPSCHEDULE 13G, 1 filing Apr 15, 202559
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Mark A. CasaleChairman of the Board of Directors, President and Chief Executive Officer | 61 | $1.0M | $10.0M60 |
| 2025 | Christopher G. CurranPresident, Essent Guaranty, Inc. | $650.0K | $3.0M60 | |
| 2025 | Mary L. GibbonsSenior Vice President, Chief Legal Officer and Assistant Secretary | $500.0K | $2.4M60 | |
| 2025 | Vijay BhasinSenior Vice President and Chief Risk Officer | $450.0K | $1.9M60 | |
| 2025 | David B. WeinstockSenior Vice President and Chief Financial Officer | $400.0K | $1.7M60 | |
| 2024 | Mark A. CasaleChairman of the Board of Directors, President and Chief Executive Officer | 61 | $1.0M | $9.8M60 |
| 2024 | Christopher G. CurranPresident, Essent Guaranty, Inc. | $650.0K | $3.0M60 | |
| 2024 | Mary L. GibbonsSenior Vice President, Chief Legal Officer and Assistant Secretary | $500.0K | $2.4M60 | |
| 2024 | Vijay BhasinSenior Vice President and Chief Risk Officer | $450.0K | $2.0M60 | |
| 2024 | David B. WeinstockSenior Vice President and Chief Financial Officer | $400.0K | $1.6M60 | |
| 2023 | Mark A. CasaleChairman of the Board of Directors, President and Chief Executive Officer | 61 | $1.0M | $8.9M60 |
| 2023 | Christopher G. CurranPresident, Essent Guaranty, Inc. | $650.0K | $2.9M60 | |
| 2023 | David B. WeinstockSenior Vice President and Chief Financial Officer | $354.4K | $2.6M60 | |
| 2023 | Mary L. GibbonsSenior Vice President, Chief Legal Officer and Assistant Secretary | $500.0K | $2.3M60 | |
| 2023 | Vijay BhasinSenior Vice President and Chief Risk Officer | $450.0K | $2.0M60 |
Members of Congress who traded it
4 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.
| Date | Member | Trade | Amount | Vs S&P since | Filing |
|---|---|---|---|---|---|
| Jun 17, 2025 | Lisa C. McClainRepublican, House | Sale | $1,001 - $15,000 | +17.5% | Report |
| Jun 11, 2025 | Lisa C. McClainRepublican, House | Buy | $1,001 - $15,000 | −17.8% | Report |
| Apr 16, 2019 | Donna Shalala, House | Sale | $1,001 - $15,000 | +124.4% | Report |
| Mar 6, 2019 | Donna Shalala, House | Buy | $1,001 - $15,000 | −130.0% | Report |
Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).
SEC filer profile
How Essent Group Ltd. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGAREssent Group Ltd.1
- CIK0001448893
- Employer ID (EIN)98-06736561
- Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
- Incorporated inBermuda5
- Fiscal year endsDecember 311
- Industry code (SIC)6351 Surety Insurance1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business addressClarendon House, 2 Church Street, Hamilton, D0 HM 111
- Phone441-297-99011
- Shares outstanding89,876,493 as of Jul 31, 202612
- Public float$5.4B as of Jun 30, 20255
- AuditorPricewaterhouseCoopers LLP, Philadelphia, Pennsylvania PCAOB ID 238; it also attests to the company’s internal control over financial reporting5
- On EDGAR sinceOct 27, 20081
- Filings1,286 in all: 4 (894), 8-K (95), SC 13G/A (50), 10-Q (38), 144 (36), 3 (28), 5 (28), SC 13G (15)1
All 36 form types
10-K (13), DEF 14A (13), 424B5 (8), SC 13D/A (8), SCHEDULE 13G/A (8), CORRESP (7), ARS (6), S-3ASR (5), UPLOAD (5), SCHEDULE 13G (4), DEFA14A (3), S-1/A (3), D/A (2), DRSLTR (2), REGDEX (2), 305B2 (1), 4/A (1), 424B3 (1), 424B4 (1), 8-A12B (1), CERTNYS (1), DRS (1), DRS/A (1), EFFECT (1), FWP (1), S-1 (1), S-8 (1), SC 13D (1)
- Latest filingsAnnual report (10-K) Feb 18, 2026
Quarterly report (10-Q) Aug 7, 2026
Proxy statement (DEF 14A) Mar 26, 2026
Latest 8-K (8-K) Aug 7, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Shares, $0.015 par value | ESNT | New York Stock Exchange |
From the cover page of the 10-K filed Feb 18, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks Essent Group Ltd. names in Item 1A of its 10-K filed Feb 18, 2026: 58 risks under these headings, as written.5
- Risks Relating to the Operation of Our Businesses
- Intense competition within the private mortgage insurance industry could result in the loss of customers, lower premiums, wider credit guidelines and other changes which could lower our revenues or raise our costs.
- Our revenues, profitability and returns would decline if we lose a significant customer.
- The amount of insurance we may be able to write could be adversely affected if lenders and investors select alternatives to private mortgage insurance.
- If the volume of low down payment home mortgage originations declines, the amount of mortgage insurance that we write could decline, which would reduce our revenues.
- We expect our claims to increase as our portfolio matures.
- Because we establish loss reserves only upon a loan default rather than based on estimates of our ultimate losses on risk in force, losses may have a disproportionate adverse effect on our earnings in certain periods.
- A downturn in the U.S. economy, a decline in the value of borrowers' homes from their value at the time their loans close and natural disasters, acts of terrorism or other catastrophic events may result in more homeowners defaulting and could increase our losses.
- If interest rates decline, house prices appreciate or mortgage insurance cancellation requirements change, the length of time that our policies remain in force could decline and cause a decline in our revenue.
- The premiums we charge may not be adequate to compensate us for our liabilities for losses and, as a result, any inadequacy could materially affect our financial condition and results of operations.
- Competition in the title insurance and settlement services industry may adversely affect our business, financial condition, and results of operations.
- Our success depends, in part, on our ability to manage risks in our investment portfolio.
The other 47 risks
- Because loss reserve estimates are subject to uncertainties and are based on assumptions that may be volatile, ultimate losses may be substantially different than our loss reserves.
- Our results could be adversely affected by catastrophic events.
- Underwriting risks and reserving for losses in our non-mortgage reinsurance business are based on actuarially determined methods and assumptions, which are subject to inherent uncertainties.
- A downgrade in our financial strength ratings may adversely affect the amount of business that we write.
- If servicers fail to adhere to appropriate servicing standards or experience disruptions to their businesses, our losses could unexpectedly increase.
- Our delegated underwriting program may subject our mortgage insurance business to unanticipated claims.
- We face risks associated with our contract underwriting business.
- Our information technology systems may become outmoded, be temporarily interrupted or fail thereby causing us to fail to meet our customers' demands.
- The security of our information technology systems may be compromised and confidential information, including non-public personal information that we maintain, could be improperly disclosed.
- We are exposed to risks associated with our title insurance and settlement services business that could negatively affect our results of operations and financial condition.
- We may not be able to collect all amounts due to us from reinsurers and reinsurance coverage may not be available to us in the future at commercially reasonable rates or at all.
- Risks Relating to Regulation and Litigation
- Legislative or regulatory actions or decisions to change the role of the GSEs in the U.S. housing market generally, or changes to the charters of the GSEs with regard to the use of credit enhancements generally and private mortgage insurance specifically, could reduce our revenues or adversely affect our profitability and returns.
- Changes in the business practices of the GSEs, including actions or decisions to decrease or discontinue the use of mortgage insurance or changes in the GSEs' eligibility requirements for mortgage insurers, could reduce our revenues or adversely affect our profitability and returns.
- Our business prospects and operating results could be adversely impacted if, and to the extent that, the Consumer Financial Protection Bureau's ("CFPB") rule defining a qualified mortgage ("QM") reduces the size of the origination market or creates incentives to use government mortgage insurance programs.
- The amount of insurance we write could be adversely affected by the Dodd-Frank Act's risk retention requirements and the definition of Qualified Residential Mortgage ("QRM").
- The implementation of the Basel rules may discourage the use of mortgage insurance.
- Our operating insurance and reinsurance subsidiaries are subject to regulation in various jurisdictions, and material changes in the regulation of their operations could adversely affect us.
- State regulation of the rates we charge for title insurance could adversely affect our results of operations.
- If our principal Bermuda operating subsidiary becomes subject to insurance statutes and regulations in jurisdictions other than Bermuda or if there is a change in Bermuda law or regulations or the application of Bermuda law or regulations, there could be a significant and negative impact on our business.
- The mortgage insurance industry is, and as a participant in that industry we are, subject to litigation and regulatory risk generally.
- Risks Relating to Taxes and Our Corporate Structure
- We and our non-U.S. subsidiaries may become subject to U.S. Federal income and branch profits taxation.
- Holders of 10% or more of our common shares may be subject to U.S. income taxation under the "controlled foreign corporation" ("CFC") rules.
- U.S. Persons who hold our shares may be subject to U.S. income taxation at ordinary income rates on their proportionate share of our "related party insurance income" ("RPII").
- U.S. Persons who dispose of our shares may be subject to U.S. Federal income taxation at the rates applicable to dividends on a portion of such disposition.
- U.S. Persons who hold our shares will be subject to adverse tax consequences if we are considered to be a passive foreign investment company ("PFIC") for U.S. Federal income tax purposes.
- Our tax liabilities and effective tax rate in the future could be adversely affected by changes in tax laws in countries in which we operate pursuant to ongoing efforts by the Organization for Economic Co-operation and Development (“OECD”), the U.S. Congress, Ireland Revenue, or the Government of Bermuda.
- U.S. tax-exempt organizations who own our shares may recognize unrelated business taxable income.
- There is the potential foreign bank account reporting and reporting of "Specified Foreign Financial Assets."
- Reduced tax rates for qualified dividend income may not be available in the future.
- Proposed U.S. tax legislation could have an adverse impact on us or holders of our common shares.
- Existing U.S. tax law could have an adverse impact on us or holders of our common shares if future changes to the business causes the Company to exceed certain thresholds.
- Our holding company structure and certain regulatory and other constraints, including adverse business performance, could negatively impact our liquidity and potentially require us to raise more capital.
- Our ability to pay dividends is dependent on our receipt of dividends and other funds from our subsidiaries.
- Holders of our shares may have difficulty effecting service of process on us or enforcing judgments against us in the United States.
- We may repurchase a shareholder's common shares without the shareholder's consent.
- Provisions in our bye-laws may reduce or increase the voting rights of our shares.
- There are regulatory limitations on the ownership and transfer of our common shares.
- U.S. persons who own our shares may have more difficulty in protecting their interests than U.S. persons who are shareholders of a U.S. corporation.
- Business Combinations with Large Shareholders or Affiliates.
- General Risk Factors
- We may face difficulties, unforeseen liabilities or rating actions from acquisitions or the integration of such acquired businesses.
- We rely on our senior management team and our business could be harmed if we are unable to retain qualified personnel.
- We may need additional capital to fund our operations or expand our business, and if we are unable to obtain sufficient financing or such financing is obtained on adverse terms, we may not be able to operate or expand our business as planned, which could negatively affect our results of operations and future growth.
- Our success will depend on our ability to maintain and enhance effective operating procedures and internal controls.
- Our share price may be volatile or may decline regardless of operating performance.
- Future sales of shares by existing shareholders could cause our share price to decline.
- If securities or industry analysts do not publish research or publish misleading or unfavorable research about our business, our share price and trading volume could decline.
- Future offerings of debt or equity securities, which may rank senior to our common shares, may restrict our operating flexibility and adversely affect the market price of our common shares.
Legal proceedings
We are not currently subject to any material legal proceedings.
The opening of Item 3, Legal Proceedings.5
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
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- 13
- 14SEC EDGARMark Casale, Chief executive officer
- 15SEC EDGARMark Casale, Chair
- 16
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- 18
- 19
- 20
- 21
- 22
- 23
- 24SEC EDGARMartin P. Connor, Board member
- 25SEC EDGARDavid Benson, Board member
- 26SEC EDGARApril Joyce Galda, Board member
- 27SEC EDGARAnu Karna, Board member
- 28SEC EDGARAngela L. Heise, Board member
- 29SEC EDGARJane Chwick, Board member
- 30SEC EDGARAdolfo Marzol, Board member
- 31SEC EDGARAditya Dutt, Board member
- 32SEC EDGARAllan Levine, Board member
- 33SEC EDGARAndrew Turnbull, Board member
- 34SEC EDGARRobert Glanville, Board member
- 35SEC EDGARRoy James Kasmar, Board member
- 36SEC EDGARVipul Tandon, Board member
- 37SEC EDGARWilliam Spiegel, Board member
- 38SEC EDGARDouglas J. Pauls, Board member
- 39
- 40SEC EDGARResults of operations
- 41SEC EDGARResults of operations
- 42SEC EDGARResults of operations
- 43SEC EDGARResults of operations
- 44SEC EDGARResults of operations
- 45SEC EDGARResults of operations
- 46
- 47SEC EDGARResults of operations
- 48SEC EDGARResults of operations
- 49SEC EDGARResults of operations
- 50SEC EDGAROther events
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- 52NasdaqNasdaq calendar
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