The historical rank and industry rank for Inversiones La Construccion's ROE % or its related term are showing as below:
XSGO:ILC'
s ROE % Range Over the Past 10 Years
Min: 10.63 Med: 15.53 Max: 49.61
Current: 13.38
During the past 13 years, Inversiones La Construccion's highest ROE % was 49.61%. The lowest was 10.63%. And the median was 15.53%.
XSGO:ILC's ROE % is ranked better than 57.99% of 507
companies
in the Insurance industry
Industry Median: 11.69
vs XSGO:ILC: 13.38
Inversiones La Construccion (XSGO:ILC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Inversiones La Construccion's ROE % distribution charts can be found below:
* The bar in red indicates where Inversiones La Construccion's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Inversiones La Construccion (XSGO:ILC) has a ROE % of 27.60% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Inversiones La Construccion and its competitors. This is 78% above median its historical median of 15.53. Over the past decade, Inversiones La Construccion's ROE % has ranged from 10.63 to 49.61. According to the industry distribution chart, Inversiones La Construccion ranks #213 out of 507 companies in the Insurance industry, placing it in the top 42%.
Is Inversiones La Construccion's ROE % too high?
Inversiones La Construccion's current ROE % of 27.60% is 78% above median its 10-year median of 15.53. Over the past 10 years, this metric has ranged from a low of 10.63 to a high of 49.61. The Insurance industry median ROE % is 11.69. Inversiones La Construccion's value of 27.60% is 136.1% above this industry median. Based on the distribution chart, Inversiones La Construccion ranks #213 out of 507 companies in the Insurance industry, which is above 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 ROE % compare to AFL and MET?
According to the Insurance industry distribution chart, Inversiones La Construccion ranks #213 out of 507 companies for ROE %. This puts Inversiones La Construccion in the upper half of its industry. The industry median ROE % is 11.69. Inversiones La Construccion's value of 27.60% is 136.1% above this benchmark. Historically, Inversiones La Construccion's own ROE % has ranged from 10.63 to 49.61 over the past decade. While the company's 10-year median is 15.53 vs. the industry median of 11.69, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.69, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inversiones La Construccion's current ROE % of 27.60% is 136.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Inversiones La Construccion and its competitors. For the Insurance industry, the median ROE % is 11.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones La Construccion's current ROE % is 27.60%, which is 78% above median its own 10-year median of 15.53. 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 ROE % is 27.60%, which is 78% above median its 10-year median of 15.53 and 136.1% above the Insurance industry median of 11.69. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Inversiones La Construccion (XSGO:ILC), the current ROE % is 27.60% 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:
ROE %: 27.60% (78% above median its 10-year median of 15.53)
GF Value™: CLP12,228.44 vs. price of CLP21,996.00 (79.9% above fair value)
Industry Position: 136.1% above the Insurance median (#213 of 507)
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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