Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) ROE % Adjusted to Book Value: 3.96% (As of Dec. 2025)

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XSGO:CONSOGRAL Zurich Chile SegurosGenerales SA XSGO:CONSOGRAL
57 GF Score
Price CLP430.00
GF Value CLP436.48
Valuation Fairly Valued
! 7 Warning Signs
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What is Zurich Chile SegurosGenerales ROE % Adjusted to Book Value?

Zurich Chile SegurosGenerales XSGO:CONSOGRAL 57 ROE % Adjusted to Book Value is 3.96% as of Dec. 2025. GuruFocus rates XSGO:CONSOGRAL with a GF Score™ of 57/100 and a GF Value™ of CLP436.48 (Fairly Valued). The stock has 7 warning signs investors should review.

Zurich Chile SegurosGenerales's ROE % for the quarter that ended in Dec. 2025 was 5.66%. Zurich Chile SegurosGenerales's PB Ratio for the quarter that ended in Dec. 2025 was 1.43. Zurich Chile SegurosGenerales's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 3.96%.


Zurich Chile SegurosGenerales ROE % Adjusted to Book Value Related Terms


Zurich Chile SegurosGenerales ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Zurich Chile SegurosGenerales's ROE % Adjusted to Book Value can be seen below:

* 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.

Zurich Chile SegurosGenerales ROE % Adjusted to Book Value Chart

Zurich Chile SegurosGenerales Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -11.93 -4.77 13.72 17.59 3.96

Zurich Chile SegurosGenerales Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -11.93 -4.77 13.72 17.59 3.96

XSGO:CONSOGRAL vs CB, PGR, TRV: ROE % Adjusted to Book Value Comparison

For the Insurance - Property & Casualty subindustry, Zurich Chile SegurosGenerales's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


Zurich Chile SegurosGenerales ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Zurich Chile SegurosGenerales's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Zurich Chile SegurosGenerales's ROE % Adjusted to Book Value falls into.


XSGO:CONSOGRAL
57GF Score
Zurich Chile SegurosGenerales SA XSGO:CONSOGRAL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Zurich Chile SegurosGenerales ROE % Adjusted to Book Value Calculation

Zurich Chile SegurosGenerales's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.66% / 1.43
=3.96%

Zurich Chile SegurosGenerales's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.66% / 1.43
=3.96%

* 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.

What does a ROE % Adjusted to Book Value of 3.96% mean?
Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) has a ROE % Adjusted to Book Value of 3.96% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Zurich Chile SegurosGenerales and its competitors.
Is Zurich Chile SegurosGenerales' ROE % Adjusted to Book Value too high?
Zurich Chile SegurosGenerales' current ROE % Adjusted to Book Value is 3.96%. Overall, Zurich Chile SegurosGenerales has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zurich Chile SegurosGenerales' ROE % Adjusted to Book Value compare to CB and PGR?
Zurich Chile SegurosGenerales' ROE % Adjusted to Book Value of 3.96% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Zurich Chile SegurosGenerales and its competitors. Zurich Chile SegurosGenerales's current ROE % Adjusted to Book Value is 3.96%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zurich Chile SegurosGenerales stock overvalued right now?
Based on GuruFocus' analysis, Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) is currently considered Fairly Valued. The stock's GF Value™ is CLP436.48, compared to a current price of CLP430.00 — trading 1.5% below its estimated fair value. The current ROE % Adjusted to Book Value is 3.96%. Zurich Chile SegurosGenerales' overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Zurich Chile SegurosGenerales (XSGO:CONSOGRAL), the current ROE % Adjusted to Book Value is 3.96% as of Dec. 2025. 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 Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) Overvalued in 2026?

Based on GuruFocus' analysis, Zurich Chile SegurosGenerales stock appears to be undervalued. The current stock price of CLP430.00 is trading 1.5% below its estimated GF Value™ of CLP436.48. GuruFocus considers Zurich Chile SegurosGenerales to be Fairly Valued.

Key valuation signals for XSGO:CONSOGRAL:

  • ROE % Adjusted to Book Value: 3.96%
  • GF Value™: CLP436.48 vs. price of CLP430.00 (1.5% below fair value)
  • GF Score™: 57/100 with 7 warning signs

No single metric tells the full story. See the XSGO:CONSOGRAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Zurich Chile SegurosGenerales Business Description

Address Avenida Apoquindo 5550, 19th floor, Las Condes, Santiago, CHL
Zurich Chile SegurosGenerales SA is engaged in the business of insurance and reinsurance operations. The company provides auto insurance, life and health insurance, life insurance with savings, insurance for business and SME's, and savings and investments.
57GF Score

Get the complete analysis for XSGO:CONSOGRAL

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CLP430.00
Price
CLP436.48
GF Value