Inv La Constru (ILC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Inv La Constru stock CLP 23,677, price CLP 23,185, upside +2.1%, quality 54 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Inv La Constru
ILC · SNThe stock costs about what our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 1,857 CLP – 25,598 CLP · fair‑value band 17,191 CLP – 33,303 CLP · the 23,185 CLP price screens below the 23,677 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Inversiones La Construcción S.A. operates in the financial and health sectors in Chile, Peru, and Colombia. It operates through six segments: AFP, Ispare, Insurance, Health, Banking, and Other segments.
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The company is involved in the management of products related to savings and retirement, including mandatory individual retirement savings; individual and group voluntary retirement savings; voluntary individual savings; management and payment of pensions under scheduled or temporary withdrawal programs through a network of branches and digital platforms, such as websites, call centers, and mobile applications; and provision of health insurance solutions, plans, and supplementary products and collective credit life insurance for mortgages, as well as educational and information technology services.
It also provides savings and retirement products, such as annuities, individual life insurance, consumer loans for pensioners, and credit life insurance; and corporate and retail banking products comprising checking accounts, lines of credit, insurance, financing, state guarantees, foreign trade, leasing, factoring, investments, cash management, treasury, mortgages, investments, and online time deposits.
In addition, the company operates inpatient, outpatient, and dental networks; and manages financial and real estate assets. Inversiones La Construcción S.A. was founded in 1980 and is based in Santiago, Chile.
Inversiones La Construcción S.A. operates as a subsidiary of Cámara Chilena de La Construcción A.G., Endowment Arm.
Stock analysis
Inv La Constru (ILC) currently trades at 23,185 CLP, while our model-based Fair Value estimate is 23,677 CLP, so the stock looks roughly fairly valued today (gap 2.1%).
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Valuation
Bull case: the Multiples group reads highest at a median of 24,126 CLP per share, and 2 of the 6 models we run sit above the 23,185 CLP price.
Bear case: the Asset-Based group reads lowest at 7,752 CLP, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 17,191 CLP (bear) to 33,303 CLP (bull), the price of 23,185 CLP sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Inv La Constru reported revenue of 3.7T CLP in FY2025 versus 2.1T CLP in FY2021, a compound +15.0%/yr. Reported net income was 280B CLP in FY2025, compounding +33.4%/yr from FY2021.
Key figures
Market cap 2.3T CLP (≈ $2.3B) Mid · P/E ratio 28.0 · P/S ratio 2.11 · EPS (TTM) 828.43 CLP · Dividend yield 3.7% · Net margin 7.5% · Return on equity 25.3% · Return on assets (EBIT) −1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 61% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 2%, ILC screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch ILC, get fair value alerts →
Compare Inv La Constru with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- PEG screener for stocks with fair value
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Ping An Insurance (Group) Company 601318 | ¥54.50 | ¥66.91 | +23% | vs ILC |
| China Life Insurance Company 601628 | ¥35.51 | ¥40.47 | +14% | vs ILC |
| Life Insurance Corporation LICI | ₹394.00 | ₹299.42 | −24% | vs ILC |
| Cathay Financial Holding 2882 | 106.00 TWD | 71.53 TWD | −33% | vs ILC |
| Manulife Financial Corporation MFC | $43.24 | $26.70 | −38% | vs ILC |
| Fubon Financial Holding 2881 | 155.50 TWD | 86.48 TWD | −44% | vs ILC |
| Aflac Incorporated AFL | $124.06 | $67.30 | −46% | vs ILC |
| AIA Group 1299 | HK$78.45 | HK$41.63 | −47% | vs ILC |
| MetLife, Inc MET | $98.27 | $48.73 | −50% | vs ILC |
| Great-West Lifeco Inc GWO | C$90.17 | C$41.90 | −54% | vs ILC |
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Frequently asked questions
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Key figures of Inv La Constru
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