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Inversiones La ConstruccionXSGO:ILC 68 Debt-to-Equity is 2.18 as of Jun. 2026, which is 13% below its 10-year median of 2.51. GuruFocus rates XSGO:ILC with a GF Score™ of 68/100 and a GF Value™ of CLP13,399.77 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 395 Insurance companies, Inversiones La Construccion ranks worse than 97.72% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Inversiones La Construccion's Debt-to-Equity or its related term are showing as below:
XSGO:ILC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.05 Med: 2.51 Max: 3.28
Current: 2.18
During the past 13 years, the highest Debt-to-Equity Ratio of Inversiones La Construccion was 3.28. The lowest was 1.05. And the median was 2.51.
XSGO:ILC's Debt-to-Equity is ranked worse than 97.72% of 395
companies
in the Insurance industry
Industry Median: 0.21
vs XSGO:ILC: 2.18
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Inversiones La Construccion Debt-to-Equity Related Terms
Inversiones La Construccion Debt-to-Equity 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 MET, AFL, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, Inversiones La Construccion's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Inversiones La Construccion's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Inversiones La Construccion's Debt-to-Equity 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.
Inversiones La Construccion (XSGO:ILC) has a Debt-to-Equity of 2.18 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Inversiones La Construccion and its competitors. This is 13% below median its historical median of 2.51. Over the past decade, Inversiones La Construccion's Debt-to-Equity has ranged from 1.05 to 3.28. According to the industry distribution chart, Inversiones La Construccion ranks #386 out of 395 companies in the Insurance industry, placing it in the top 97.7%.
Is Inversiones La Construccion's Debt-to-Equity too high?
Inversiones La Construccion's current Debt-to-Equity of 2.18 is 13% below median its 10-year median of 2.51. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 3.28. The Insurance industry median Debt-to-Equity is 0.21. Inversiones La Construccion's value of 2.18 is 938.1% above this industry median. Based on the distribution chart, Inversiones La Construccion ranks #386 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Inversiones La Construccion has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Inversiones La Construccion's Debt-to-Equity compare to MET and AFL?
According to the Insurance industry distribution chart, Inversiones La Construccion ranks #386 out of 395 companies for Debt-to-Equity. This places Inversiones La Construccion in the lower half of its industry. The industry median Debt-to-Equity is 0.21. Inversiones La Construccion's value of 2.18 is 938.1% above this benchmark. Historically, Inversiones La Construccion's own Debt-to-Equity has ranged from 1.05 to 3.28 over the past decade. While the company's 10-year median is 2.51 vs. the industry median of 0.21, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inversiones La Construccion's current Debt-to-Equity of 2.18 is 938.1% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Inversiones La Construccion and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones La Construccion's current Debt-to-Equity is 2.18, which is 13% below median its own 10-year median of 2.51. 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 CLP13,399.77, compared to a current price of CLP21,450.00 — trading 60.1% above its estimated fair value. The current Debt-to-Equity is 2.18, which is 13% below median its 10-year median of 2.51 and 938.1% above the Insurance industry median of 0.21. Inversiones La Construccion's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Inversiones La Construccion (XSGO:ILC), the current Debt-to-Equity is 2.18 as of Jun. 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 60.1% above its estimated GF Value™ of CLP13,399.77.
GuruFocus considers Inversiones La Construccion to be Significantly Overvalued.
Key valuation signals for XSGO:ILC:
Debt-to-Equity: 2.18 (13% below median its 10-year median of 2.51)
GF Value™: CLP13,399.77 vs. price of CLP21,450.00 (60.1% above fair value)
Industry Position: 938.1% above the Insurance median (#386 of 395)
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.
68GF Score
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