{"schema_version":"secwatch.filing_event.v1","accession":"0001448893-21-000085","form_type":"8-K","ticker":"ESNT","cik":"0001448893","company_name":"Essent Group Ltd.","filed_at":"2021-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:04:18.141741+00:00","generated_at":"2026-06-29T20:18:15.776269+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Essent Q2 net income $159.8M ($1.42 EPS); raises quarterly dividend to $0.18","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001448893-21-000085","json":"https://secwatch.observer/filing/0001448893-21-000085.json","markdown":"https://secwatch.observer/filing/0001448893-21-000085.md","text":"https://secwatch.observer/filing/0001448893-21-000085.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1448893/000144889321000085/0001448893-21-000085-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1448893/000144889321000085/esnt-20210806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-29T20:18:15.776269+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}