Essent Group Ltd. (ESNT) — SEC Filings
Essent Group Ltd. (ESNT) — 28 SEC filings. Latest: 4 (May 9, 2026). Includes 10 8-K, 6 10-Q, 4 4.
View Essent Group Ltd. on SEC EDGAR
Overview
Essent Group Ltd. (ESNT) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 7, 2025: Essent Group Ltd. reported a net income of $164.2 million for the three months ended September 30, 2025, a decrease from $176.2 million in the same period of 2024. For the nine months ended September 30, 2025, net income was $535.0 million, down from $561.5 million in 2024. Total revenues for the th
Sentiment Summary
Across 28 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 25 neutral, 1 mixed. The dominant filing sentiment for Essent Group Ltd. is neutral.
Filing Type Overview
Essent Group Ltd. (ESNT) has filed 4 4, 10 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 4 SC 13G/A with the SEC between Jan 2024 to May 2026.
Filings by Year
Recent SEC Filings (28)
Risk Profile
Risk Assessment: Of ESNT's 18 recent filings, 0 were flagged as high-risk, 8 as medium-risk, and 10 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $948.5M |
| Net Income | $535.0M |
| EPS | $1.69 |
| Debt-to-Equity | 0.28 |
| Cash Position | $91.4M |
| Operating Margin | N/A |
| Total Assets | $7.35B |
| Total Debt | $495.0M |
Key Executives
- Abigail P. Johnson
Industry Context
The mortgage insurance industry is sensitive to economic cycles, interest rate fluctuations, and regulatory changes. Companies like Essent provide insurance to lenders against borrower default, playing a crucial role in the housing market. Competition is present, and profitability is often driven by underwriting discipline, effective risk management, and investment income.
Top Tags
insurance (6) · 10-Q (4) · financial-reporting (4) · 8-K (4) · institutional-ownership (3) · amendment (3) · Mortgage Insurance (2) · Housing Market (2) · financials (2) · financial-condition (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $164.2M | Decreased from $176.2M in Q3 2024, indicating a 6.8% decline. |
| Net Income (9M 2025) | $535.0M | Decreased from $561.5M in 9M 2024, a 4.7% reduction. |
| Provision for Losses and LAE (Q3 2025) | $44.9M | Increased significantly from $30.7M in Q3 2024, a 46.2% rise. |
| Provision for Losses and LAE (9M 2025) | $93.3M | More than doubled from $40.2M in 9M 2024, a 132.1% increase. |
| Total Assets (Sept 30, 2025) | $7.35B | Increased from $7.11B at Dec 31, 2024, showing asset growth. |
| Total Stockholders' Equity (Sept 30, 2025) | $5.74B | Increased from $5.60B at Dec 31, 2024, reflecting capital strength. |
| Quota Share Ceding Percentage | 50% | Increased from 35% for NIW from January 1, 2025, impacting risk transfer. |
| Basic EPS (Q3 2025) | $1.69 | Slightly up from $1.67 in Q3 2024 despite lower net income, due to fewer shares outstanding. |
| Common Shares Outstanding | 96,665,101 | As of October 31, 2025, a reduction from 105,015,000 shares in 2024. |
| Net Income Q2 2025 | $165.2M | Increased from $150.1M in Q2 2024, showing 10% growth. |
| Total Revenues Q2 2025 | $260.5M | Up from $245.8M in Q2 2024, indicating consistent revenue growth. |
| Net Income YTD June 2025 | $325.8M | Increased from $298.7M in YTD June 2024, a 9.1% year-over-year growth. |
| Fixed Maturities Investment | $6.5B | Increased from $6.3B at year-end 2024, reflecting prudent capital deployment. |
| Retained Earnings | $3.5B | Grew from $3.2B at year-end 2024, strengthening shareholder equity. |
| Total Revenue | N/A | Specific revenue figures are not detailed in the provided header information. |
Forward-Looking Statements
- {"claim":"Essent Group Ltd. will release its full Q4 2023 earnings report shortly after this 8-K.","entity":"Essent Group Ltd.","targetDate":"2024-02-29","confidence":"medium"}
- {"claim":"Essent Group Ltd.'s stock price may experience short-term volatility due to the reduction in institutional ownership.","entity":"Essent Group Ltd.","targetDate":"3 months","confidence":"medium"}
- {"claim":"Other institutional investors might re-evaluate their positions in Essent Group Ltd. following Capital World Investors' move.","entity":"Essent Group Ltd.","targetDate":"6 months","confidence":"low"}
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Frequently Asked Questions
What are the latest SEC filings for Essent Group Ltd. (ESNT)?
Essent Group Ltd. has 28 recent SEC filings from Jan 2024 to May 2026, including 10 8-K, 6 10-Q, 4 4. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of ESNT filings?
Across 28 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 25 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Essent Group Ltd. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Essent Group Ltd. (ESNT) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Essent Group Ltd.?
Key financial highlights from Essent Group Ltd.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for ESNT?
The investment thesis for ESNT includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Essent Group Ltd.?
Key executives identified across Essent Group Ltd.'s filings include Abigail P. Johnson.
What are the main risk factors for Essent Group Ltd. stock?
Of ESNT's 18 assessed filings, 0 were flagged high-risk, 8 medium-risk, and 10 low-risk.
What are recent predictions and forward guidance from Essent Group Ltd.?
Recent forward-looking statements from Essent Group Ltd. include guidance on {"claim":"Essent Group Ltd. will release its full Q4 2023 earnings report shortly after this 8-K.","entity":"Essent Grou and 2 other predictions.