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<title>esnt-20210305</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:EntityCentralIndexKey" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY180L2ZyYWc6MmE4ZDllZjU2ZDMwNGRmYjkzZDU0MmQ2MDk5YTVjYzMvdGFibGU6ZmMxNjkyMGI5NGVlNDJjZWI1ODRhYWY5YTc4OGM1OGEvdGFibGVyYW5nZTpmYzE2OTIwYjk0ZWU0MmNlYjU4NGFhZjlhNzg4YzU4YV8wLTItMS0xLTA_a4d27570-8d2d-4d96-b595-72d16c88009c">0001448893</ix:nonNumeric><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:AmendmentFlag" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY180L2ZyYWc6MmE4ZDllZjU2ZDMwNGRmYjkzZDU0MmQ2MDk5YTVjYzMvdGFibGU6ZmMxNjkyMGI5NGVlNDJjZWI1ODRhYWY5YTc4OGM1OGEvdGFibGVyYW5nZTpmYzE2OTIwYjk0ZWU0MmNlYjU4NGFhZjlhNzg4YzU4YV8xLTItMS0xLTA_cf9695ba-45f9-4d25-be7b-b749750b4aac">false</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="esnt-20210305.xsd"></link:schemaRef></ix:references><ix:resources><xbrli:context id="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001448893</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2021-03-05</xbrli:startDate><xbrli:endDate>2021-03-05</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="i0d0e5a2ee9f74e1eb05742adb058990c_1"></div><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Washington, D.C. 20549</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">FORM <ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjYy_ea3f81f3-26a5-4c74-a72b-e5f028e027b0">8-K</ix:nonNumeric> </span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CURRENT REPORT</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Pursuant to Section&#160;13 or 15(d)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">of the Securities Exchange Act of 1934</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Date of report (Date of Earliest Event Reported): <ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8yMjk_7b0dfeeb-e149-42ca-9bf5-8367dce7533c">March 5, 2021</ix:nonNumeric> </span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:24pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:EntityRegistrantName" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjYz_93df823d-e2a2-40c2-939a-aa69480d13bd">ESSENT GROUP LTD.</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(Exact name of registrant as specified in its charter)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.081%"><tr><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.643%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.965%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" format="ixt-sec:edgarprovcountryen" name="dei:EntityIncorporationStateCountryCode" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGFibGU6MjAyYjQxNGU4MzJmNDk4NWI0NGZkOThkNjUwZTMzMWMvdGFibGVyYW5nZToyMDJiNDE0ZTgzMmY0OTg1YjQ0ZmQ5OGQ2NTBlMzMxY18xLTAtMS0xLTA_b069c4d2-8973-414d-b29d-f310524e8808">Bermuda</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:EntityFileNumber" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGFibGU6MjAyYjQxNGU4MzJmNDk4NWI0NGZkOThkNjUwZTMzMWMvdGFibGVyYW5nZToyMDJiNDE0ZTgzMmY0OTg1YjQ0ZmQ5OGQ2NTBlMzMxY18xLTItMS0xLTA_f881eaec-19f7-44a7-af31-9c48828d09a3">001-36157</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Not Applicable</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(State of Incorporation)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Commission File Number)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(I.R.S. Employer Identification No.)</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjU3_2b8d71dd-15ee-4e2d-85cd-a671629a6247">Clarendon House</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:EntityAddressAddressLine2" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjY0_18e7d64e-4cc9-4908-b6ea-d8a1f18a2ca3">2 Church Street</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjY1_2ce103ba-5ffb-45c9-8f69-953b553dafb8">Hamilton</ix:nonNumeric> <ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjY2_c83b5037-156d-4320-8e10-d752b8f9bb01">HM11</ix:nonNumeric>, <ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" format="ixt-sec:countrynameen" name="dei:EntityAddressCountry" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjU4_f0396543-0bc4-4b72-b9f4-5c6cc246e844">Bermuda</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Address of Principal Executive Offices and Zip Code)</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(<ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjYw_47eb9c1b-a9c3-4873-b639-1a2cfc8a1598">441</ix:nonNumeric>)&#160;<ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGV4dHJlZ2lvbjpkNTRkOTk0Y2MwNWY0YTNhYmFjYmViYjgyYmY1NDA4OV8xMjYx_91244f5a-b117-4542-b0f7-c562e4dafeff">297&#8209;9901</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Registrant&#8217;s telephone number, including area code)</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.783%"><tr><td style="width:1.0%"></td><td style="width:2.072%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:95.728%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGFibGU6MjBiNzViZjc3OWJjNDYyOGFmZTg3YTcxNzFkYTJkOWYvdGFibGVyYW5nZToyMGI3NWJmNzc5YmM0NjI4YWZlODdhNzE3MWRhMmQ5Zl8wLTAtMS0xLTA_6c9cc4b0-2221-43d8-a596-c7bc68cc2e1e">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial Unicode MS',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGFibGU6MjBiNzViZjc3OWJjNDYyOGFmZTg3YTcxNzFkYTJkOWYvdGFibGVyYW5nZToyMGI3NWJmNzc5YmM0NjI4YWZlODdhNzE3MWRhMmQ5Zl8xLTAtMS0xLTA_0c5467bc-bea7-459c-9da3-dbf04a5b8468">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 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style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="padding-left:216pt;text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#168;</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Securities registered pursuant to Section&#160;12(b) of the Act:</span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"></td><td style="width:43.687%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.857%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:43.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Title of each class</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Trading<br/>Symbol(s)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGFibGU6NzhiYTI0MDZhNmIxNGEwOWE4NDM3N2YwMzMyODg5ZDQvdGFibGVyYW5nZTo3OGJhMjQwNmE2YjE0YTA5YTg0Mzc3ZjAzMzI4ODlkNF8xLTAtMS0xLTA_20f2eddb-d38c-4b45-ae71-28fb46453355">Common Shares, $0.015 par value</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGFibGU6NzhiYTI0MDZhNmIxNGEwOWE4NDM3N2YwMzMyODg5ZDQvdGFibGVyYW5nZTo3OGJhMjQwNmE2YjE0YTA5YTg0Mzc3ZjAzMzI4ODlkNF8xLTItMS0xLTA_f0f43b00-1a78-4685-8770-40c088ca395b">ESNT</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i0ec4c2fb38454e90928c1e18484cdbb1_D20210305-20210305" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName" id="id3VybDovL2RvY3MudjEvZG9jOjBkMGU1YTJlZTlmNzRlMWViMDU3NDJhZGIwNTg5OTBjL3NlYzowZDBlNWEyZWU5Zjc0ZTFlYjA1NzQyYWRiMDU4OTkwY18xL2ZyYWc6ZDU0ZDk5NGNjMDVmNGEzYWJhY2JlYmI4MmJmNTQwODkvdGFibGU6NzhiYTI0MDZhNmIxNGEwOWE4NDM3N2YwMzMyODg5ZDQvdGFibGVyYW5nZTo3OGJhMjQwNmE2YjE0YTA5YTg0Mzc3ZjAzMzI4ODlkNF8xLTQtMS0xLTA_f6eff1d7-e72c-4c5f-bc47-18de6e4d1991">New York Stock Exchange</ix:nonNumeric></span></td></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div><span><br/></span></div><div id="i0d0e5a2ee9f74e1eb05742adb058990c_7"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 7.01.&#160;&#160;&#160;&#160;Regulation FD Disclosure</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below sets forth, as of the date and for the period indicated, the following operating statistics of Essent Guaranty, Inc. (&#8220;Essent Guaranty&#8221;), the primary US mortgage insurance subsidiary of Essent Group Ltd. (the &#8220;Company&#8221;): (i)&#160;insurance in force, and (ii) the number and percentage of mortgage loans insured that were reported to have missed at least two consecutive payments of principal and interest, including forbearance-related delinquencies as a result of COVID-19. &#160;&#160;The information regarding new delinquencies and cures is reported to Essent Guaranty from loan servicers. Default reporting, particularly on a monthly basis, may be affected by several factors, including the date on which the report is generated and transmitted to Essent Guaranty, updated information submitted by servicers and by the timing of servicing transfers.</span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:65.350%"><tr><td style="width:1.0%"></td><td style="width:76.528%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.484%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.588%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Insurance in Force as of February 28, 2021 ($ in millions)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">196,987&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Rollforward of Insured Loans in Default (count)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance, January 31, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,895&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Plus: new defaults</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,701&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Less: cures</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,928)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Less: claims paid</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Less: rescissions and denials, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance, February 28, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,645&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of Loans in Default as of February 28, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.89&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information set forth in this Item 7.01 of this Current Report&#160;on Form&#160;8-K&#160;shall not be deemed &#8220;filed&#8221; for purposes of Section&#160;18 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), or otherwise subject to the liabilities of that section. The information in this Item 7.01 of this Current Report&#160;on Form&#160;8-K&#160;shall not be deemed to be incorporated by reference in any filing under the&#160;Securities Act of 1933, as amended, or the&#160;Exchange Act, except as expressly set forth by specific reference in such filing.</span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:36pt"><span><br/></span></div><div><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:36pt"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">SIGNATURE</span></div><div style="margin-top:13.2pt;text-align:justify;text-indent:47.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div><span><br/></span></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Date: March 5, 2021</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">               </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">       </span></div><div style="padding-left:18pt;text-indent:198pt"><span><br/></span></div><div style="padding-left:18pt;text-indent:198pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ESSENT GROUP LTD.</span></div><div style="padding-left:18pt;text-indent:198pt"><span><br/></span></div><div style="padding-left:18pt;text-indent:-18pt"><span><br/></span></div><div style="padding-left:234pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By:&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">/s/ Lawrence E. McAlee</span></div><div style="padding-left:234pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Name: Lawrence E. McAlee</span></div><div style="padding-left:234pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Title:  Senior Vice President and Chief Financial Officer</span></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div></body></html>
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esnt-20210305
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM
8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
Date of report (Date of Earliest Event Reported):
March 5, 2021
ESSENT GROUP LTD.
(Exact name of registrant as specified in its charter)
Bermuda
001-36157
Not Applicable
(State of Incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
Clarendon House
2 Church Street
Hamilton
HM11
,
Bermuda
(Address of Principal Executive Offices and Zip Code)
(
441
)
297‑9901
(Registrant's telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition
period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
¨
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common Shares, $0.015 par value
ESNT
New York Stock Exchange
Item 7.01.    Regulation FD Disclosure
The table below sets forth, as of the date and for the period indicated, the following operating statistics of Essent Guaranty, Inc. ("Essent Guaranty"), the primary US mortgage insurance subsidiary of Essent Group Ltd. (the "Company"): (i) insurance in force, and (ii) the number and percentage of mortgage loans insured that were reported to have missed at least two consecutive payments of principal and interest, including forbearance-related delinquencies as a result of COVID-19.   The information regarding new delinquencies and cures is reported to Essent Guaranty from loan servicers. Default reporting, particularly on a monthly basis, may be affected by several factors, including the date on which the report is generated and transmitted to Essent Guaranty, updated information submitted by servicers and by the timing of servicing transfers.
Insurance in Force as of February 28, 2021 ($ in millions)
$
196,987
Rollforward of Insured Loans in Default (count)
Balance, January 31, 2021
30,895
Plus: new defaults
2,701
Less: cures
(2,928)
Less: claims paid
(17)
Less: rescissions and denials, net
(6)
Balance, February 28, 2021
30,645
Percentage of Loans in Default as of February 28, 2021
3.89
%
The information set forth in this Item 7.01 of this Current Report on Form 8-K shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section. The information in this Item 7.01 of this Current Report on Form 8-K shall not be deemed to be incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such filing.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: March 5, 2021
ESSENT GROUP LTD.
By:
/s/ Lawrence E. McAlee
Name: Lawrence E. McAlee
Title:  Senior Vice President and Chief Financial Officer