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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Inversiones La Construccion's 3-Year RORE % for the quarter that ended in Mar. 2026 was 28.21%.
XSGO:ILC's 3-Year RORE % is ranked better than 71.34% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs XSGO:ILC: 28.21
Inversiones La Construccion (XSGO:ILC) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Inversiones La Construccion 3-Year RORE % Related Terms
Inversiones La Construccion 3-Year RORE % 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.
XSGO:ILC vs AFL, MET, PRU: 3-Year RORE % Comparison
For the Insurance - Life subindustry, Inversiones La Construccion's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Inversiones La Construccion's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Inversiones La Construccion's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Inversiones La Construccion (XSGO:ILC) has a 3-Year RORE % of 28.21 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Inversiones La Construccion and its competitors. According to the industry distribution chart, Inversiones La Construccion ranks #135 out of 471 companies in the Insurance industry, placing it in the top 28.7%.
Is Inversiones La Construccion's 3-Year RORE % too high?
Inversiones La Construccion's current 3-Year RORE % is 28.21. The Insurance industry median 3-Year RORE % is 11.68. Inversiones La Construccion's value of 28.21 is 141.5% above this industry median. Based on the distribution chart, Inversiones La Construccion ranks #135 out of 471 companies in the Insurance industry, which is above the industry midpoint. 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 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Inversiones La Construccion ranks #135 out of 471 companies for 3-Year RORE %. This puts Inversiones La Construccion in the upper half of its industry. The industry median 3-Year RORE % is 11.68. Inversiones La Construccion's value of 28.21 is 141.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.68, based on 471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Inversiones La Construccion's current 3-Year RORE % of 28.21 is 141.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Inversiones La Construccion and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones La Construccion's current 3-Year RORE % is 28.21. 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 CLP12,319.78, compared to a current price of CLP21,450.00 — trading 74.1% above its estimated fair value. The current 3-Year RORE % is 28.21 and 141.5% above the Insurance industry median of 11.68. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Inversiones La Construccion (XSGO:ILC), the current 3-Year RORE % is 28.21 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 CLP21,450.00 is trading 74.1% above its estimated GF Value™ of CLP12,319.78.
GuruFocus considers Inversiones La Construccion to be Significantly Overvalued.
Key valuation signals for XSGO:ILC:
3-Year RORE %: 28.21
GF Value™: CLP12,319.78 vs. price of CLP21,450.00 (74.1% above fair value)
Industry Position: 141.5% above the Insurance median (#135 of 471)
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
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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