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Inversiones la Construccion SA
SGO:ILC

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Inversiones la Construccion SA
SGO:ILC
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Price: 19 093 CLP 1.02% Market Closed
Market Cap: 1.9T CLP

Inversiones la Construccion SA
Investor Relations

Inversiones La Construccion SA engages in the provision of retirement, insurance and health care services. The company is headquartered in Las Condes, Santiago. The company went IPO on 2011-07-12. The firm's activities are divided into six segments: Fund management (AFP), which administrates pension funds through AFP Habitat; Private health insurance (Isapre), which administrates health insurance contributions through Isapre Consalud; Insurance, which offers individual and collective life insurance policies through Confuturo and Corpseguros, among others; Healthcare, which manages a network of private hospitals and clinics through Red Salud; Bank, which provides financial services for retail and commercial consumers through Banco Internacional, and Other, which includes operation of private schools, as well as provision of information technology (IT) outsourcing services, among others. The firm is a subsidiary of Camara Chilena de la Construccion Asociacion Gremial.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Nov 26, 2025
AI Summary
Q3 2025

Profit Growth: ILC reported a Q3 2025 profit of CLP 72.4 billion, up 25% from CLP 57.8 billion in Q3 2024, with recurring profit for the first 9 months reaching CLP 186.4 billion, up 68% year-on-year.

Strong Stock Performance: Year-to-date, ILC shares delivered a 101% return, more than doubling the IPSA, supported by reentry into the IPSA Index and strong financial results.

Subsidiary Highlights: Confuturo and Habitat benefited from strong financial markets, with Confuturo contributing CLP 37.1 billion and Habitat CLP 21.8 billion to profits; Red Salud achieved CLP 4.6 billion profit, while Consalud posted a loss due to an accounting adjustment.

Banking Growth: Banco Internacional's loan portfolio grew 11.5% year-over-year, outpacing industry growth, though net income declined to CLP 9.9 billion.

Health Segment Recovery: Red Salud revenues rose 15.2% to CLP 214.4 billion; Consalud’s loss ratio improved to 81.7%, reflecting regulatory stability.

Credit Rating Upgrade: Fitch Ratings upgraded ILC’s international credit rating to BBB+, citing strong financial discipline, diversified business, and robust risk management.

Key Financials
Profit (Q3 2025)
CLP 72.4 billion
Recurring Profit (First 9 Months 2025)
CLP 186.4 billion
Return on Average Equity (ROAE)
19.2%
ILC Share Return (YTD as of Nov 21)
101%
Banco Internacional Loan Portfolio Growth
11.5% year-over-year
Banco Internacional Net Income (Q3 2025)
CLP 9.9 billion
Banco Internacional Efficiency Ratio
59.5%
Banco Internacional NPL Ratio
2.6% as of September 2025
Banco Internacional Solvency Ratio
16.4% as of September 2025
Confuturo Net Income (Q3 2025)
CLP 40.2 billion
Confuturo ROAE (as of September 2025)
15.1%
Confuturo Market Share (Annuities, Q3 2025)
8%
Habitat Revenues (Q3 2025)
CLP 65.7 million
Habitat Profit (Q3 2025)
CLP 38 billion
AAISA Profit (Q3 2025)
CLP 13.6 billion
Red Salud Revenue (Q3 2025)
CLP 214.4 billion
Red Salud EBITDA (Q3 2025)
CLP 23.8 billion
Red Salud EBITDA Margin (Q3 2025)
11.1%
Consalud Loss Ratio (Q3 2025)
81.7%
Vida Cámara Beneficiaries
654,000
Vida Cámara Individual Insurance Growth
55.5% year-over-year
ILC Net Financial Debt (as of September 2025)
CLP 392.3 billion
Net Financial Debt-to-Equity Ratio
0.32x
Liquidity (as of September 2025)
CLP 184.6 billion
Other Earnings Calls

Management

Mr. Pablo Gonzalez Figari
GM & CEO
No Bio Available
Mr. Juan Pablo Undurraga Costa
CFO & Management Control Manager
No Bio Available
Gustavo Maturana V.
Investor Relations Manager & Sustainability
No Bio Available
Ms. Rosario Letelier L.
Chief Corporate Development Officer & Investor Relations
No Bio Available
Mr. Pablo Andrés Viviani Montalva
Head of Management Control
No Bio Available
Ms. Trinidad Valdés Monge
Chief Sustainability Officer
No Bio Available
Fredy Arcila
Chief accountant
No Bio Available
Ms. Lorena Mardones Jara
Treasurer
No Bio Available
Mr. Andrés Gallo Poblete
Controller Manager
No Bio Available
Maria de los Angeles Arce
Senior Financial Analyst, Investor Relations
No Bio Available

Contacts

Address
SANTIAGO
LAS CONDES
Avenida Apoquindo 6750, Piso 20
Contacts