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As of today (2026-07-15), Zurich Chile SegurosGenerales's weighted average cost of capital is 6.02%%. Zurich Chile SegurosGenerales's ROIC % is 0.00% (calculated using TTM income statement data).
Zurich Chile SegurosGenerales earns returns that do not match up to its cost of capital. It will destroy value as it grows.
For a comprehensive WACC calculation, please access the WACC Calculator.
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Zurich Chile SegurosGenerales's weighted average cost of capital is 6.02%%. Zurich Chile SegurosGenerales's ROIC % is 0.00% (calculated using TTM income statement data).
Zurich Chile SegurosGenerales earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest annual Interest Expense divided by the latest one-year annual average debt to get the simplified cost of debt.
Related Terms
Zurich Chile SegurosGenerales WACC % 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.
For the Insurance - Property & Casualty subindustry, Zurich Chile SegurosGenerales's WACC %, along with its competitors' market caps and WACC % 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 WACC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Chile SegurosGenerales's WACC % distribution charts can be found below:
* The bar in red indicates where Zurich Chile SegurosGenerales's WACC % falls into.
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, Zurich Chile SegurosGenerales's market capitalization (E) is CLP77057.050 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Dec. 2025, Zurich Chile SegurosGenerales's latest one-year annual average Book Value of Debt (D) is CLP10229.56 Mil.
a) weight of equity = E / (E + D) = 77057.050 / (77057.050 + 10229.56) = 0.8828
b) weight of debt = D / (E + D) = 10229.56 / (77057.050 + 10229.56) = 0.1172
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 5.4647%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. Zurich Chile SegurosGenerales's beta is 0.1797.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 5.4647% + 0.1797 * 6% = 6.5429%
3. Cost of Debt:
GuruFocus uses latest annual Interest Expense divided by the latest one-year annual average debt to get the simplified cost of debt.
As of Dec. 2025, Zurich Chile SegurosGenerales's interest expense (positive number) was CLP230.627 Mil. Its total Book Value of Debt (D) is CLP10229.56 Mil.
Cost of Debt = 230.627 / 10229.56 = 2.2545%.
4. Multiply by one minus annual Tax Rate:
GuruFocus uses the most recent annual Tax Expense divided by the most recent annual Pre-Tax Income to calculate the tax rate. The calculated annual tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated annual Tax Rate = 249.997 / 3373.723 = 7.41%.
* 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 (XSGO:CONSOGRAL) has a WACC % of 6.02% as of Jul. 15, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Zurich Chile SegurosGenerales and its competitors. This is near median its historical median of 5.68. Over the past decade, Zurich Chile SegurosGenerales' WACC % has ranged from 3.05 to 7.46. According to the industry distribution chart, Zurich Chile SegurosGenerales ranks #127 out of 517 companies in the Insurance industry, placing it in the top 24.6%.
Is Zurich Chile SegurosGenerales' WACC % too high?
Zurich Chile SegurosGenerales' current WACC % of 6.02% is near median its 10-year median of 5.68. Over the past 10 years, this metric has ranged from a low of 3.05 to a high of 7.46. The Insurance industry median WACC % is 9.09. Zurich Chile SegurosGenerales' value of 6.02% is 33.8% below this industry median. Based on the distribution chart, Zurich Chile SegurosGenerales ranks #127 out of 517 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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' WACC % compare to CB and PGR?
According to the Insurance industry distribution chart, Zurich Chile SegurosGenerales ranks #127 out of 517 companies for WACC %. This places Zurich Chile SegurosGenerales in the top 25% of its industry — outperforming the majority of peers. The industry median WACC % is 9.09. Zurich Chile SegurosGenerales' value of 6.02% is 33.8% below this benchmark. Historically, Zurich Chile SegurosGenerales' own WACC % has ranged from 3.05 to 7.46 over the past decade. While the company's 10-year median is 5.68 vs. the industry median of 9.09, Zurich Chile SegurosGenerales 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 WACC % for an Insurance company?
The median WACC % among Insurance companies is 9.09, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zurich Chile SegurosGenerales's current WACC % of 6.02% is 33.8% 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 WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Zurich Chile SegurosGenerales and its competitors. For the Insurance industry, the median WACC % is 9.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Chile SegurosGenerales's current WACC % is 6.02%, which is near median its own 10-year median of 5.68. 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 WACC % is 6.02%, which is near median its 10-year median of 5.68 and 33.8% below the Insurance industry median of 9.09. 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 WACC % calculated?
WACC % is calculated from a company's financial statements. For Zurich Chile SegurosGenerales (XSGO:CONSOGRAL), the current WACC % is 6.02% as of Jul. 15, 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 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:
WACC %: 6.02% (near median its 10-year median of 5.68)
GF Value™: CLP436.48 vs. price of CLP430.00 (1.5% below fair value)
Industry Position: 33.8% below the Insurance median (#127 of 517)
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
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
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