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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Inversiones La Construccion's annualized net income for the quarter that ended in Mar. 2026 was CLP356,574 Mil. Inversiones La Construccion's average shareholder tangible equity for the quarter that ended in Mar. 2026 was CLP1,162,777 Mil. Therefore, Inversiones La Construccion's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 30.67%.
The historical rank and industry rank for Inversiones La Construccion's Return-on-Tangible-Equity or its related term are showing as below:
XSGO:ILC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 12.04 Med: 17.5 Max: 67.68
Current: 30.02
During the past 13 years, Inversiones La Construccion's highest Return-on-Tangible-Equity was 67.68%. The lowest was 12.04%. And the median was 17.50%.
XSGO:ILC's Return-on-Tangible-Equity is ranked better than 83.7% of 497
companies
in the Insurance industry
Industry Median: 13.32
vs XSGO:ILC: 30.02
Inversiones La Construccion (XSGO:ILC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Inversiones La Construccion Return-on-Tangible-Equity Related Terms
Inversiones La Construccion Return-on-Tangible-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.
Inversiones La Construccion Return-on-Tangible-Equity Chart
XSGO:ILC vs AFL, MET, PRU: Return-on-Tangible-Equity Comparison
For the Insurance - Life subindustry, Inversiones La Construccion's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Inversiones La Construccion's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Inversiones La Construccion's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 30.67% mean?
Inversiones La Construccion (XSGO:ILC) has a Return-on-Tangible-Equity of 30.67% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Inversiones La Construccion and its competitors. This is 75% above median its historical median of 17.50. Over the past decade, Inversiones La Construccion's Return-on-Tangible-Equity has ranged from 12.04 to 67.68. According to the industry distribution chart, Inversiones La Construccion ranks #81 out of 497 companies in the Insurance industry, placing it in the top 16.3%.
Is Inversiones La Construccion's Return-on-Tangible-Equity too high?
Inversiones La Construccion's current Return-on-Tangible-Equity of 30.67% is 75% above median its 10-year median of 17.50. Over the past 10 years, this metric has ranged from a low of 12.04 to a high of 67.68. The Insurance industry median Return-on-Tangible-Equity is 13.32. Inversiones La Construccion's value of 30.67% is 130.3% above this industry median. Based on the distribution chart, Inversiones La Construccion ranks #81 out of 497 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Inversiones La Construccion has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Inversiones La Construccion's Return-on-Tangible-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, Inversiones La Construccion ranks #81 out of 497 companies for Return-on-Tangible-Equity. This places Inversiones La Construccion in the top 16% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.32. Inversiones La Construccion's value of 30.67% is 130.3% above this benchmark. Historically, Inversiones La Construccion's own Return-on-Tangible-Equity has ranged from 12.04 to 67.68 over the past decade. While the company's 10-year median is 17.50 vs. the industry median of 13.32, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inversiones La Construccion's current Return-on-Tangible-Equity of 30.67% is 130.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Inversiones La Construccion and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones La Construccion's current Return-on-Tangible-Equity is 30.67%, which is 75% above median its own 10-year median of 17.50. 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 CLP12,276.26, compared to a current price of CLP21,719.00 — trading 76.9% above its estimated fair value. The current Return-on-Tangible-Equity is 30.67%, which is 75% above median its 10-year median of 17.50 and 130.3% above the Insurance industry median of 13.32. Inversiones La Construccion's overall GF Score™ is 73/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Inversiones La Construccion (XSGO:ILC), the current Return-on-Tangible-Equity is 30.67% 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 CLP21,719.00 is trading 76.9% above its estimated GF Value™ of CLP12,276.26.
GuruFocus considers Inversiones La Construccion to be Significantly Overvalued.
Key valuation signals for XSGO:ILC:
Return-on-Tangible-Equity: 30.67% (75% above median its 10-year median of 17.50)
GF Value™: CLP12,276.26 vs. price of CLP21,719.00 (76.9% above fair value)
Industry Position: 130.3% above the Insurance median (#81 of 497)
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.
73GF Score
Get the complete analysis for XSGO:ILC
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