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Inversiones La ConstruccionXSGO:ILC 64 Debt-to-EBITDA is 5.33 as of Mar. 2026, which is 47% below its 10-year median of 9.99. GuruFocus rates XSGO:ILC with a GF Score™ of 64/100 and a GF Value™ of CLP12,481.43 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 320 Insurance companies, Inversiones La Construccion ranks worse than 91.88% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Inversiones La Construccion's Debt-to-EBITDA or its related term are showing as below:
XSGO:ILC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.01 Med: 9.99 Max: 13.44
Current: 5.79
During the past 13 years, the highest Debt-to-EBITDA Ratio of Inversiones La Construccion was 13.44. The lowest was 4.01. And the median was 9.99.
XSGO:ILC's Debt-to-EBITDA is ranked worse than 91.88% of 320
companies
in the Insurance industry
Industry Median: 1.23
vs XSGO:ILC: 5.79
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Inversiones La Construccion Debt-to-EBITDA Related Terms
Inversiones La Construccion Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XSGO:ILC vs AFL, MET, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Inversiones La Construccion's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Inversiones La Construccion Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Inversiones La Construccion's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Inversiones La Construccion's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Inversiones La Construccion (XSGO:ILC) has a Debt-to-EBITDA of 5.33 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Inversiones La Construccion. This is 47% below median its historical median of 9.99. Over the past decade, Inversiones La Construccion's Debt-to-EBITDA has ranged from 4.01 to 13.44. According to the industry distribution chart, Inversiones La Construccion ranks #294 out of 320 companies in the Insurance industry, placing it in the top 91.9%.
Is Inversiones La Construccion's Debt-to-EBITDA too high?
Inversiones La Construccion's current Debt-to-EBITDA of 5.33 is 47% below median its 10-year median of 9.99. Over the past 10 years, this metric has ranged from a low of 4.01 to a high of 13.44. The Insurance industry median Debt-to-EBITDA is 1.23. Inversiones La Construccion's value of 5.33 is 333.3% above this industry median. Based on the distribution chart, Inversiones La Construccion ranks #294 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Inversiones La Construccion has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Inversiones La Construccion's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, Inversiones La Construccion ranks #294 out of 320 companies for Debt-to-EBITDA. This places Inversiones La Construccion in the lower half of its industry. The industry median Debt-to-EBITDA is 1.23. Inversiones La Construccion's value of 5.33 is 333.3% above this benchmark. Historically, Inversiones La Construccion's own Debt-to-EBITDA has ranged from 4.01 to 13.44 over the past decade. While the company's 10-year median is 9.99 vs. the industry median of 1.23, Inversiones La Construccion has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.23, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inversiones La Construccion's current Debt-to-EBITDA of 5.33 is 333.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Inversiones La Construccion. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones La Construccion's current Debt-to-EBITDA is 5.33, which is 47% below median its own 10-year median of 9.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Inversiones La Construccion stock overvalued right now?
Based on GuruFocus' analysis, Inversiones La Construccion (XSGO:ILC) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP12,481.43, compared to a current price of CLP21,450.00 — trading 71.9% above its estimated fair value. The current Debt-to-EBITDA is 5.33, which is 47% below median its 10-year median of 9.99 and 333.3% above the Insurance industry median of 1.23. Inversiones La Construccion's overall GF Score™ is 64/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Inversiones La Construccion (XSGO:ILC), the current Debt-to-EBITDA is 5.33 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Inversiones La Construccion (XSGO:ILC) Overvalued in 2026?
Based on GuruFocus' analysis, Inversiones La Construccion stock appears to be overvalued.
The current stock price of CLP21,450.00 is trading 71.9% above its estimated GF Value™ of CLP12,481.43.
GuruFocus considers Inversiones La Construccion to be Significantly Overvalued.
Key valuation signals for XSGO:ILC:
Debt-to-EBITDA: 5.33 (47% below median its 10-year median of 9.99)
GF Value™: CLP12,481.43 vs. price of CLP21,450.00 (71.9% above fair value)
Industry Position: 333.3% above the Insurance median (#294 of 320)
No single metric tells the full story. See the XSGO:ILC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Inversiones La Construccion SA is a Chile-based holding company with its presence in Chile and Peru. Along with its subsidiaries, the company operates in the following business segments: AFP, ISAPRE, Insurance, Health, Banking, and Others. The majority of the group's revenue is generated from the Insurance segment, which provides individual, group, disability, and survivorship insurance, and life annuity products. The AFP segment includes the administration of pension funds; the ISAPRE segment includes the administration of health contributions; the Health segment provides health benefits and benefits, either directly or through the financing of these related or complementary activities; and the Bank segment represents results from the group's banking business.
64GF Score
Get the complete analysis for XSGO:ILC
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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