ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Inversiones La Construccion's annualizedNet Income for the quarter that ended in Mar. 2026 was CLP356,574 Mil.
Inversiones La Construccion's average Total Assets over the quarter that ended in Mar. 2026 was CLP18,514,911 Mil. Therefore, Inversiones La Construccion's annualized ROA % for the quarter that ended in Mar. 2026 was 1.93%.
The historical rank and industry rank for Inversiones La Construccion's ROA % or its related term are showing as below:
XSGO:ILC'
s ROA % Range Over the Past 10 Years
Min: 0.72 Med: 1.1 Max: 3.71
Current: 0.92
During the past 13 years, Inversiones La Construccion's highest ROA % was 3.71%. The lowest was 0.72%. And the median was 1.10%.
XSGO:ILC's ROA % is ranked worse than 74.56% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs XSGO:ILC: 0.92
Inversiones La Construccion (XSGO:ILC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Inversiones La Construccion's ROA % distribution charts can be found below:
* The bar in red indicates where Inversiones La Construccion's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Inversiones La Construccion (XSGO:ILC) has a ROA % of 1.93% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Inversiones La Construccion and its competitors. This is 75% above median its historical median of 1.10. Over the past decade, Inversiones La Construccion's ROA % has ranged from 0.72 to 3.71. According to the industry distribution chart, Inversiones La Construccion ranks #381 out of 511 companies in the Insurance industry, placing it in the top 74.6%.
Is Inversiones La Construccion's ROA % too high?
Inversiones La Construccion's current ROA % of 1.93% is 75% above median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 3.71. The Insurance industry median ROA % is 2.73. Inversiones La Construccion's value of 1.93% is 29.3% below this industry median. Based on the distribution chart, Inversiones La Construccion ranks #381 out of 511 companies in the Insurance industry, which is below the industry midpoint. Overall, Inversiones La Construccion has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Inversiones La Construccion's ROA % compare to AFL and MET?
According to the Insurance industry distribution chart, Inversiones La Construccion ranks #381 out of 511 companies for ROA %. This places Inversiones La Construccion in the lower half of its industry. The industry median ROA % is 2.73. Inversiones La Construccion's value of 1.93% is 29.3% below this benchmark. Historically, Inversiones La Construccion's own ROA % has ranged from 0.72 to 3.71 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 2.73, Inversiones La Construccion has consistently been below 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inversiones La Construccion's current ROA % of 1.93% is 29.3% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Inversiones La Construccion and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones La Construccion's current ROA % is 1.93%, which is 75% above median its own 10-year median of 1.10. 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 CLP12,228.44, compared to a current price of CLP21,996.00 — trading 79.9% above its estimated fair value. The current ROA % is 1.93%, which is 75% above median its 10-year median of 1.10 and 29.3% below the Insurance industry median of 2.73. Inversiones La Construccion's overall GF Score™ is 63/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Inversiones La Construccion (XSGO:ILC), the current ROA % is 1.93% 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 CLP21,996.00 is trading 79.9% above its estimated GF Value™ of CLP12,228.44.
GuruFocus considers Inversiones La Construccion to be Significantly Overvalued.
Key valuation signals for XSGO:ILC:
ROA %: 1.93% (75% above median its 10-year median of 1.10)
GF Value™: CLP12,228.44 vs. price of CLP21,996.00 (79.9% above fair value)
Industry Position: 29.3% below the Insurance median (#381 of 511)
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.
63GF Score
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