Inv La Constru (ILC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Inv La Constru CLP 26,432, price CLP 25,549, upside +3.5%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Inv La Constru
ILC · SNLow PriorityFair Value upside is limited and quality is weak.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 1,938 CLP – 25,598 CLP · fair‑value band 19,824 CLP – 33,040 CLP · the 25,549 CLP price screens below the 26,432 CLP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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 25,549 CLP, while our model-based Fair Value estimate is 26,432 CLP, implying the stock looks roughly 3.3% fairly valued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 26,112 CLP per share, and 2 of the 4 models we run sit above the 25,549 CLP price.
Bear case: the Asset-Based group reads lowest at 8,530 CLP, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 19,824 CLP (bear) to 33,040 CLP (bull), the price of 25,549 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 50/100 (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 2.5T CLP (≈ $2.5B) · P/E ratio 7.5 · P/S ratio 0.57 · EPS (TTM) 3,412 CLP · Net margin 7.5% · Return on equity 25.4% · Return on assets (EBIT) −1.1% · Operating margin 12.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 109% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 3%, ILC screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 86
Revenue & earnings trend
Growth Forecast
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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 · 95 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
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 |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.69 | ¥49.98 | +29% |
| Ping An Insurance (Group) Company 601318 | ¥54.46 | ¥68.44 | +26% |
| AIA Group 1299 | HK$76.25 | HK$43.07 | −44% |
| Manulife Financial Corporation MFC | $44.17 | $27.59 | −38% |
| Aflac Incorporated AFL | $114.60 | $67.96 | −41% |
| MetLife, Inc MET | $95.92 | $53.26 | −44% |
| Great-West Lifeco Inc GWO | C$92.75 | C$41.81 | −55% |
| Life Insurance Corporation LICI | ₹404.55 | ₹392.93 | −3% |
| China Pacific Insurance (Group) Co 601601 | ¥32.15 | ¥51.59 | +60% |
| Samsung Life Insurance Co 032830 | 294,500 KRW | 191,293 KRW | −35% |
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Key figures of Inv La Constru
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