{"schema_version":"secwatch.filing_event.v1","accession":"0001448893-26-000003","form_type":"8-K","ticker":"ESNT","cik":"0001448893","company_name":"Essent Group Ltd.","filed_at":"2026-02-13T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.106585+00:00","generated_at":"2026-05-16T02:45:46.927828+00:00","sec_items":["8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Essent Q4 net income $155M ($1.60 EPS); increases quarterly dividend to $0.35","bullets":["Q4 2025 net income $155.0M ($1.60 diluted EPS) vs $167.9M ($1.58) in Q4 2024.","Full year 2025 net income $690.0M ($6.90 EPS) vs $729.4M ($6.85) in 2024; EPS up on buybacks.","Quarterly dividend raised to $0.35/share, payable March 23, 2026; record March 13, 2026.","In 2025, repurchased 9.9M shares for $576M, returning nearly $700M to shareholders.","MI in force $248.4B at Dec 31, 2025; entered quota share reinsurance covering 20% of eligible 2027 policies."],"urls":{"canonical":"https://secwatch.observer/filing/0001448893-26-000003","json":"https://secwatch.observer/filing/0001448893-26-000003.json","markdown":"https://secwatch.observer/filing/0001448893-26-000003.md","text":"https://secwatch.observer/filing/0001448893-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1448893/000144889326000003/0001448893-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1448893/000144889326000003/esnt-20260213.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T02:45:46.927828+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"}