{"schema_version":"secwatch.filing_event.v1","accession":"0001448893-23-000010","form_type":"8-K","ticker":"ESNT","cik":"0001448893","company_name":"Essent Group Ltd.","filed_at":"2023-02-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.049593+00:00","generated_at":"2026-06-19T17:52:13.666390+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 Group Q4 net income $147.4M ($1.37 EPS); dividend raised to $0.25; acquires title ops for $100M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001448893-23-000010","json":"https://secwatch.observer/filing/0001448893-23-000010.json","markdown":"https://secwatch.observer/filing/0001448893-23-000010.md","text":"https://secwatch.observer/filing/0001448893-23-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/0001448893-23-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/esnt-20230210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T17:52:13.666390+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":[{"claim_id":"d741b02927276fe64a4bc54f5b711185ba915ac7","claim":"Essent Group Ltd. reported the year ended December 31, 2022 results: net income $831.4 million, EPS $7.72 per diluted share.","evidence_excerpt":"For the full year 2022, net income was $831.4 million or $7.72 per diluted share, compared to $681.8 million or $6.11 per diluted share for 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/0001448893-23-000010-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$831.4 million"},{"label":"EPS","value":"$7.72 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f74050d3114a0ca82207513b3010adbe0d2be21a","claim":"Essent Group Ltd. reported the quarter ended December 31, 2022 results: net income $147.4 million, EPS $1.37 per diluted share.","evidence_excerpt":"Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended December 31, 2022 of $147.4 million or $1.37 per diluted share, compared to $181.0 million or $1.64 per diluted share for the quarter ended December 31, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1448893/000144889323000010/0001448893-23-000010-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$147.4 million"},{"label":"EPS","value":"$1.37 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}