{"schema_version":"secwatch.filing_event.v1","accession":"0001448893-25-000030","form_type":"8-K","ticker":"ESNT","cik":"0001448893","company_name":"Essent Group Ltd.","filed_at":"2025-03-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.653388+00:00","generated_at":"2026-05-24T03:50:06.764764+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"Essent Group discloses 2024 quarterly segment data; MI combined ratio varied from 16.2% to 33.8%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001448893-25-000030","json":"https://secwatch.observer/filing/0001448893-25-000030.json","markdown":"https://secwatch.observer/filing/0001448893-25-000030.md","text":"https://secwatch.observer/filing/0001448893-25-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1448893/000144889325000030/0001448893-25-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1448893/000144889325000030/esnt-20250327.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T03:50:06.764764+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"}