Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Inversiones La Construccion SA stock PB Ratio (=1.59) is close to 10-year high of 1.75.
The historical rank and industry rank for Inversiones La Construccion's PB Ratio or its related term are showing as below:
XSGO:ILC'
s PB Ratio Range Over the Past 10 Years
Min: 0.3 Med: 0.85 Max: 1.75
Current: 1.59
During the past 13 years, Inversiones La Construccion's highest PB Ratio was 1.75. The lowest was 0.30. And the median was 0.85.
XSGO:ILC's PB Ratio is ranked worse than 55.82% of 498
companies
in the Insurance industry
Industry Median: 1.405
vs XSGO:ILC: 1.59
During the past 12 months, Inversiones La Construccion's average Book Value Per Share Growth Rate was 16.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Inversiones La Construccion was 14.40% per year. The lowest was -25.10% per year. And the median was 4.55% per year.
Back to Basics: PB Ratio
Inversiones La Construccion (XSGO:ILC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Inversiones La Construccion PB Ratio Related Terms
Inversiones La Construccion PB Ratio 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.
For the Insurance - Life subindustry, Inversiones La Construccion's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Inversiones La Construccion's PB Ratio distribution charts can be found below:
* The bar in red indicates where Inversiones La Construccion's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Inversiones La Construccion (XSGO:ILC) has a PB Ratio of 1.59 as of Jul. 20, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Inversiones La Construccion and its competitors. This is 87% above median its historical median of 0.85. Over the past decade, Inversiones La Construccion's PB Ratio has ranged from 0.30 to 1.75. According to the industry distribution chart, Inversiones La Construccion ranks #278 out of 498 companies in the Insurance industry, placing it in the top 55.8%.
Is Inversiones La Construccion's PB Ratio too high?
Inversiones La Construccion's current PB Ratio of 1.59 is 87% above median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 1.75. The Insurance industry median PB Ratio is 1.41. Inversiones La Construccion's value of 1.59 is 13.2% above this industry median. Based on the distribution chart, Inversiones La Construccion ranks #278 out of 498 companies in the Insurance industry, which is below the industry midpoint. Overall, Inversiones La Construccion has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Inversiones La Construccion's PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Inversiones La Construccion ranks #278 out of 498 companies for PB Ratio. This places Inversiones La Construccion in the lower half of its industry. The industry median PB Ratio is 1.41. Inversiones La Construccion's value of 1.59 is 13.2% above this benchmark. Historically, Inversiones La Construccion's own PB Ratio has ranged from 0.30 to 1.75 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.41, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.41, based on 498 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inversiones La Construccion's current PB Ratio of 1.59 is 13.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Inversiones La Construccion and its competitors. For the Insurance industry, the median PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones La Construccion's current PB Ratio is 1.59, which is 87% above median its own 10-year median of 0.85. 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 CLP12,301.13, compared to a current price of CLP21,450.00 — trading 74.4% above its estimated fair value. The current PB Ratio is 1.59, which is 87% above median its 10-year median of 0.85 and 13.2% above the Insurance industry median of 1.41. Inversiones La Construccion's overall GF Score™ is 69/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Inversiones La Construccion (XSGO:ILC), the current PB Ratio is 1.59 as of Jul. 20, 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 74.4% above its estimated GF Value™ of CLP12,301.13.
GuruFocus considers Inversiones La Construccion to be Significantly Overvalued.
Key valuation signals for XSGO:ILC:
PB Ratio: 1.59 (87% above median its 10-year median of 0.85)
GF Value™: CLP12,301.13 vs. price of CLP21,450.00 (74.4% above fair value)
Industry Position: 13.2% above the Insurance median (#278 of 498)
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.
69GF Score
Get the complete analysis for XSGO:ILC
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSGO:ILC has been successfully added to your 
