{"filings":[{"id":2114956,"accession_number":"0001448893-26-000022","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2026-08-07T10:51:27+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q2 net income $189.7M ($2.08/sh) vs $195.3M ($1.93/sh) prior year","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Declared quarterly dividend of $0.35/share, payable Sept 10, 2026 to holders of record Aug 31, 2026.","Mortgage new insurance written Q2 2026 $14.1B vs $12.5B Q2 2025; insurance in force $249.7B vs $246.8B.","Reinsurance net premiums written H1 2026 $248.8M vs $30.6M H1 2025; net investment income $120.9M vs $117.5M.","Repurchased 5.8M common shares for $348M YTD through July 31, 2026; CEO cites strong capital position."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92924,"accession_number":"0001448893-26-000013","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2026-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q1 net income $171.8M ($1.82 EPS) vs $175.4M ($1.69) YoY; 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declares $0.31 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2025 net income $164.2M vs $176.2M in Q3 2024; diluted EPS rose to $1.67 from $1.65.","Quarterly dividend $0.31/share payable Dec 10, 2025 to holders of record Dec 1.","Insurance in force $248.8B at Sep 30, up from $243.0B a year ago.","YTD through Oct 31 repurchased 8.7M shares for $501M; new $500M buyback authorization approved.","Moody's upgraded Essent Guaranty IFS rating to A2 from A3, outlook stable."],"consensus_eps_estimate":null,"consensus_eps_actual":5.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":948531000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137008,"accession_number":"0001448893-25-000078","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2025-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q2 net income $195M ($1.93/diluted); declares $0.31 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $195.3M versus $203.6M in Q2 2024; diluted EPS $1.93, up from $1.91.","New insurance written $12.5B, flat YoY; insurance in force $246.8B, up 2.5% YoY.","Quarterly cash dividend $0.31 payable Sept 10, 2025 to holders of record Aug 29.","Moody’s upgraded Essent Guaranty IFS rating to A2 and senior unsecured to Baa2; outlook stable.","YTD through July repurchased 6.8M shares for $387M; $260M remaining under $500M buyback."],"consensus_eps_estimate":null,"consensus_eps_actual":3.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":636701000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154286,"accession_number":"0001448893-25-000041","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2025-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q1 net income $175.4M ($1.69 EPS); declares $0.31 dividend, $218M in buybacks YTD","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $175.4M ($1.69 diluted EPS) vs $181.7M ($1.70) a year ago; slight decline.","New insurance written $9.9B in Q1 2025, up from $8.3B in Q1 2024 but down from $12.2B in Q4 2024.","Net investment income $58.2M, up 12% YoY.","Board declared $0.31 quarterly dividend, payable June 10, 2025 to holders of record May 30, 2025.","Year-to-date through April 30, repurchased 3.9M shares for ~$218M; $429M remains under $500M buyback plan."],"consensus_eps_estimate":null,"consensus_eps_actual":1.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":317558000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172874,"accession_number":"0001448893-25-000030","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2025-03-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Essent Group discloses 2024 quarterly segment data; MI combined ratio varied from 16.2% to 33.8%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Mortgage Insurance net premiums earned $227.9M-$235.3M per quarter; combined ratio ranged 16.2% (Q2) to 33.8% (Q4).","Q2 2024 MI had negative loss provision (-$1.2M) leading to a -0.5% loss ratio.","Corporate & Other segment pre-tax loss of $8.6M-$9.9M each quarter from title ops and corporate expenses.","Consolidated pre-tax income fell from $239.2M (Q2) to $194.9M (Q4 2024) as loss provisions increased."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172873,"accession_number":"0001448893-25-000003","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2025-02-14T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Essent Group Q4 net income $167.9M ($1.58 EPS); 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declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q3 2024: $176.2M ($1.65 diluted EPS), vs $178.0M ($1.66) in Q3 2023.","New insurance written $12.5B, consistent; insurance in force $243.0B, up from $240.7B in Q2 2024.","Net investment income for 9 months $165.5M, up 22% YoY.","Closed Radnor Re 2024-1, $363M collateralized reinsurance coverage.","Declared $0.28 quarterly dividend, payable Dec 11, 2024 to holders of record Dec 2."],"consensus_eps_estimate":null,"consensus_eps_actual":5.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":927877000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206391,"accession_number":"0001448893-24-000060","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2024-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Group Q2 net income $203.6M ($1.91 EPS) beats prior year; declares $0.28 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $203.6M ($1.91 diluted EPS) vs $172.2M ($1.61) in Q2 2023, a 18% increase.","New insurance written $12.5B in Q2 2024, down from $13.5B in Q2 2023 but up from $8.3B in Q1 2024.","Insurance in force $240.7B as of June 30, 2024, up from $235.6B a year ago and $238.5B at March 31, 2024.","Net investment income for H1 2024 was $108.2M, up 22% from H1 2023.","Entered excess-of-loss reinsurance covering 15% of eligible 2024 policies and closed $1B debt capacity ($500M notes + $500M revolver) on July 1."],"consensus_eps_estimate":null,"consensus_eps_actual":3.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":611299000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206390,"accession_number":"0001104659-24-076922","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Essent Group completes $500M 6.250% senior notes offering and new $500M revolver","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Closed $500M 6.250% Senior Notes due 2029; net proceeds ~$495.3M.","Net proceeds used to repay term loan borrowings under existing secured credit facility.","New $500M unsecured revolving credit facility replaces existing secured facility; 5-year maturity.","Revolver includes option for up to $250M in uncommitted incremental revolving credit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223518,"accession_number":"0001104659-24-075004","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2024-06-26T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Essent Group enters $500M unsecured revolving credit facility, replacing $400M secured facility","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Five-year unsecured revolving credit facility of $500 million, replacing $400M secured facility.","Also provides up to $250 million in uncommitted incremental revolving credit at company's option.","Closing conditioned on an underwritten public offering of senior notes and repayment of existing term loans.","Covenants include max debt-to-capitalization ratio of 30%, compliance with PMIERs, minimum net worth.","Borrowings used for working capital and general corporate purposes; interest at floating rate plus margin."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223517,"accession_number":"0001448893-24-000034","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2024-05-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q1 net income $181.7M ($1.70 EPS) up 6% YoY; declares $0.28 quarterly dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $1.70 vs $1.59 in Q1 2023; net income $181.7M up from $170.8M.","New insurance written $8.3B, down from $12.9B YoY; insurance in force $238.5B.","Net investment income $52.1M, up 20% YoY; entered 15% quota share reinsurance for 2024.","Quarterly dividend $0.28 per share, payable June 10, 2024 to holders of record May 31.","S&P raised Essent Guaranty/Reinsurance to 'A-' from 'BBB+'; Moody's affirmed A3 with positive outlook."],"consensus_eps_estimate":null,"consensus_eps_actual":1.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":298357000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242959,"accession_number":"0001448893-24-000014","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2024-02-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Essent Group Q4 net income $175.4M ($1.64 EPS); dividend raised to $0.28","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2023 net income $175.4M ($1.64 diluted EPS) vs $147.4M ($1.37) a year ago.","Full-year 2023 net income $696.4M ($6.50 EPS) vs $831.4M ($7.72) in 2022.","New insurance written Q4 $8.8B; insurance in force $239.1B as of Dec. 31, 2023.","Quarterly dividend raised to $0.28 per share, payable March 22 to holders of record March 13.","S&P upgraded Essent Guaranty and Essent Reinsurance to 'A-' from 'BBB+', stable outlook."],"consensus_eps_estimate":null,"consensus_eps_actual":6.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":1109759000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242958,"accession_number":"0001448893-24-000002","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2024-01-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"S&P upgrades Essent's subsidiary ratings to A- from BBB+ with stable outlook","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["S&P raised ratings on Essent Guaranty and Essent Reinsurance to A- from BBB+, stable outlook.","Upgrade reflects improved capital adequacy under revised S&P methodology and strong underwriting earnings.","CEO Mark Casale says upgrade shows balance sheet strength and benefits of post-GFC risk pricing and reinsurance.","Essent now holds A- or higher financial strength ratings from all rating agencies for both operating subsidiaries."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":260325,"accession_number":"0001448893-23-000085","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Group Q3 net income flat at $178M; 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declares $0.25 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $172.2M ($1.61 diluted EPS) vs $231.8M ($2.16) in Q2 2022.","New insurance written $13.5B, down 33% YoY from $20.1B; insurance in force $235.6B.","Combined ratio 20.4% vs negative 16.2% in prior year quarter.","Completed acquisition of Agents National Title/Boston National for $92.6M on July 1.","Board declared $0.25 quarterly dividend payable Sept 11 to holders of record Sept 1."],"consensus_eps_estimate":null,"consensus_eps_actual":3.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":516374000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295606,"accession_number":"0001448893-23-000046","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2023-05-08T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Essent Group shareholders elect all three Class III director nominees and approve all proposals at 2023 AGM","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Three directors elected: Casale (98.9M for), Pauls (98.7M), Spiegel (83.9M) to serve through 2026.","Ratified PwC as auditor for FY2023: 101.3M for, 600K against, 41K abstain.","Advisory vote on executive compensation approved: 98.3M for, 2.0M against, 353K abstain.","Approval of amended 2013 LTIP: 93.1M for, 7.5M against, 52K abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295605,"accession_number":"0001448893-23-000037","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2023-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Group Q1 net income falls 38% to $1.59 EPS; declares $0.25 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $170.8M ($1.59 diluted EPS) vs $274.2M ($2.52) in Q1 2022.","New insurance written $12.9B, flat YoY. Insurance in force $231.5B, up 12% YoY.","Combined ratio 22.7% vs (30.7)% in Q1 2022; favorable credit performance cited.","Quarterly cash dividend of $0.25 per share declared, payable June 12 to holders of record June 1."],"consensus_eps_estimate":null,"consensus_eps_actual":1.59,"consensus_revenue_estimate":null,"consensus_revenue_actual":256246000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":316132,"accession_number":"0001448893-23-000021","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2023-03-15T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Essent Group promotes David B. Weinstock to CFO with $375k salary and RSU grant","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Weinstock promoted to SVP and CFO effective March 14, 2023; previously interim CFO since June 2022.","Annual base salary of $375,000; annual cash bonus target of 100% of base salary.","Target annual equity award of 100% of base salary (50% performance/time, 50% time-base vesting).","Grant of 25,000 restricted share units vesting in three equal installments starting April 1, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":316131,"accession_number":"0001448893-23-000010","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2023-02-10T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Group Q4 net income $147.4M ($1.37 EPS); dividend raised to $0.25; acquires title ops for $100M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $147.4M ($1.37 diluted EPS) vs $181.0M ($1.64) in Q4 2021; full year 2022 net income $831.4M ($7.72) vs $681.8M ($6.11) in 2021.","New insurance written in Q4 2022 $13.0B, down from $17.1B in Q3 2022 and $16.4B in Q4 2021.","Combined ratio for Q4 2022 was 24.6%, up from 22.3% in Q3 2022 and 17.4% in Q4 2021.","Board increased quarterly cash dividend to $0.25 per share, payable March 20, 2023 to holders of record March 10, 2023.","Essent US Holdings agreed to acquire title insurance operations from Finance of America Companies for $100 million."],"consensus_eps_estimate":null,"consensus_eps_actual":7.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":1000824000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":334447,"accession_number":"0001448893-22-000084","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2022-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q3 net income $178.1M ($1.66 EPS); dividend raised to $0.23","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $178.1M ($1.66 diluted EPS) vs $205.4M ($1.84) in Q3 2021.","Quarterly dividend increased to $0.23 per share, payable Dec 12, record Dec 1.","New insurance written $17.1B, down from $23.6B in Q3 2021.","Insurance in force $222.5B as of Sep 30, 2022, up from $208.2B a year ago.","Combined ratio 22.3% vs 15.9% in Q3 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":6.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":770787000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":351867,"accession_number":"0001448893-22-000065","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2022-08-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q2 net income $231.8M ($2.16 EPS), dividend raised to $0.22","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $231.8M ($2.16 diluted EPS) vs $159.8M ($1.42) in Q2 2021.","Quarterly dividend increased to $0.22 per share, payable Sept 12, 2022.","New insurance written $20.1B; insurance in force reached $215.9B.","Combined ratio negative (16.2%) including $62.9M benefit from COVID-19 claim rate change.","Entered forward excess of loss reinsurance covering 20% of eligible policies through Dec 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":4.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":509020000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":369303,"accession_number":"0001448893-22-000063","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2022-06-29T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Essent Group CFO Lawrence McAlee steps down; David Weinstock named interim CFO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lawrence McAlee ceased as CFO effective June 28, 2022, will serve as Special Advisor to CEO through Dec 31, 2022.","McAlee receives $30,000 monthly base salary during transition and a one-time cash bonus of $1,500,000.","David Weinstock, VP and Chief Accounting Officer since 2009, appointed Interim CFO with a monthly cash bonus of $25,000.","Departure not related to any financial disclosure issues or disagreements with the Company.","McAlee eligible for severance and equity vesting consistent with termination without cause after Separation Date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":369302,"accession_number":"0001448893-22-000045","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2022-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q1 net income $274.2M ($2.52 EPS); increases dividend to $0.21, authorizes $250M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $274.2M ($2.52 diluted EPS) vs $135.6M ($1.21) in Q1 2021.","Quarterly dividend increased to $0.21 per share, payable June 10 to holders of record June 1.","Board authorized $250M share repurchase plan through Dec 31, 2023.","Provision for losses benefit $106.9M including $101.2M from COVID-19 assumption change.","Insurance in force $206.8B, new insurance written $12.8B, default rate 1.93%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":264611000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":388495,"accession_number":"0001448893-22-000012","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2022-02-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent reports Q4 net income $181M ($1.64 EPS), full year $681.8M; dividend raised to $0.20","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $181.0M ($1.64 diluted EPS) vs $123.6M ($1.10) in Q4 2020.","Full year 2021 net income $681.8M ($6.11 diluted EPS) vs $413.0M ($3.88) in 2020.","Insurance in force $207.2B as of Dec 31, 2021; loans in default improved to 2.16% from 3.93% year ago.","Board declared quarterly dividend of $0.20/share, payable March 21, 2022, reflecting an increase.","Amended credit facility increased committed capacity to $825M, maturing Dec 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":6.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":1028510000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":406426,"accession_number":"0001448893-21-000112","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2021-12-14T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Essent Group amends credit agreement to $825M; revolver increased to $400M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Committed capacity increased to $825M from $625M; $100M new term loan added.","Revolving credit facility raised from $300M to $400M; maturity December 10, 2026.","Interest rate at closing ~1.79% based on 1M Term SOFR plus applicable margin.","Up to $175M uncommitted incremental term loan/revolving facility available.","Obligations secured by certain assets excluding insurance subsidiaries."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":406425,"accession_number":"0001448893-21-000111","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2021-12-06T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Essent promotes Christopher Curran to President of Essent Guaranty effective Jan 1, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Curran, formerly SVP Corporate Development, becomes President of the MI operating subsidiary.","Annual base salary increased from $500,000 to $650,000 effective January 1, 2022.","CEO Mark Casale remains Chairman, CEO of Essent Group Ltd. and Chairman and CEO of Guaranty.","Curran will oversee business development, IT, operations, public policy, and risk functions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":406424,"accession_number":"0001448893-21-000107","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2021-11-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q3 net income $205.4M, EPS $1.84; dividend raised to $0.19/quarterly","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $205.4M ($1.84 diluted EPS) vs $124.5M ($1.11) in Q3 2020.","Quarterly dividend increased to $0.19/share; payable Dec 10, 2021 to holders of record Dec 1.","Insurance in force $208.2B at Sep 30, 2021, up from $203.6B at Jun 30 and $190.8B a year ago.","Default rate improved to 2.47% from 2.96% in prior quarter and 4.54% a year ago.","Provision for losses was a benefit of $7.5M vs expense of $55.3M in Q3 2020."],"consensus_eps_estimate":null,"consensus_eps_actual":4.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":771594000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":425445,"accession_number":"0001448893-21-000105","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2021-09-17T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Jane Chwick to resign Dec 31, 2021; Chief Business Officer Jeff Cashmer leaves Oct 8","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jane Chwick, chair of technology/innovation/operations committee, resigns effective Dec 31, 2021; no disagreement with management.","Jeff R. Cashmer, SVP and Chief Business Officer of Essent Guaranty, will leave Oct 8, 2021 to pursue other opportunities.","Cashmer enters separation agreement receiving severance and equity vesting consistent with termination without cause.","Cashmer subject to 18-month restrictive covenants per his employment agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":425444,"accession_number":"0001448893-21-000085","cik":1448893,"company_name":"Essent Group Ltd.","ticker":"ESNT","form_type":"8-K","filed_at":"2021-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Essent Q2 net income $159.8M ($1.42 EPS); raises quarterly dividend to $0.18","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $159.8M vs. $15.4M in Q2 2020; diluted EPS $1.42 vs. $0.15.","Insurance in force $203.6B, up from $174.6B a year ago.","Provision for losses & LAE fell to $9.7M from $175.9M in Q2 2020; default rate declined to 2.96% from 5.19%.","Quarterly dividend increased to $0.18 per share; payable Sept 10, 2021 to holders of record Sept 1.","Combined ratio improved to 23.3% from 101.5% in prior-year quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":2.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":488058000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5436097431.682254,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}