Inversiones la Construccion SA
SGO:ILC
Inversiones la Construccion SA
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.
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.
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.
