Inversiones La Construcción S.A. (SNSE:ILC)

Financials in millions CLP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	1,332,141	1,130,910	915,226	704,391	457,957	363,632
Total Interest & Dividend Income	727,233	753,602	709,417	591,391	85,978	259,558
Gain (Loss) on Sale of Investments	46,096	76,665	76,925	-65,221	67,284	28,645
Non-Insurance Activities Revenue	1,463,603	1,403,741	1,433,530	1,340,178	1,181,108	993,439
Other Revenue	115,707	86,927	71,323	68,370	131,649	50,964
Total Revenue	3,685,197	3,452,534	3,207,006	2,639,735	2,179,888	1,884,067
Revenue Growth (YoY)	17.14%	7.66%	21.49%	21.09%	15.70%	-1.61%
Policy Benefits	1,528,217	1,399,973	1,175,780	786,231	675,350	527,341
Policy Acquisition & Underwriting Costs	-	-	-	-	-	5,982
Depreciation & Amortization	23,432	22,260	17,560	16,687	13,090	11,719
Selling, General & Administrative	268,856	259,155	232,334	216,078	191,794	180,301
Non-Insurance Activities Expense	1,221,945	1,186,663	1,181,826	1,157,906	1,093,368	846,692
Other Operating Expenses	34,947	36,626	40,993	24,190	3,277	10,319
Total Operating Expenses	3,203,803	3,024,815	2,760,873	2,293,811	2,052,545	1,676,464
Operating Income	481,394	427,718	446,132	345,924	127,343	207,603
Interest Expense	-235,067	-235,152	-266,324	-165,198	-32,157	-102,753
Earnings From Equity Investments	62,201	69,839	63,823	50,839	52,850	50,156
Currency Exchange Gain (Loss)	-23,479	4,208	29,373	-2,804	-16,393	-390.82
Other Non Operating Income (Expenses)	-105,369	-66,403	-40,092	-77,917	-35,877	-34,230
EBT Excluding Unusual Items	179,680	200,210	232,912	150,843	95,767	120,385
Gain (Loss) on Sale of Assets	-2,479	-2,633	-405.85	1,364	-2,544	688.61
Asset Writedown	2,957	11,197	-5,609	-4,041	8,068	-20,926
Legal Settlements	-44,347	-44,347	-	-	-	-
Pretax Income	135,812	164,426	226,897	148,166	101,292	100,148
Income Tax Expense	-13,482	-5,682	24,635	-16,519	-2,852	5,051
Earnings From Continuing Ops.	149,294	170,108	202,262	164,685	104,144	95,097
Earnings From Discontinued Ops.	-	-	-	40.25	-	-
Net Income to Company	149,294	170,108	202,262	164,725	104,144	95,097
Minority Interest in Earnings	-20,742	-21,864	-19,644	-18,191	-15,725	-8,560
Net Income	128,552	148,244	182,618	146,534	88,419	86,537
Net Income to Common	128,552	148,244	182,618	146,534	88,419	86,537
Net Income Growth	-37.90%	-18.82%	24.63%	65.73%	2.17%	-4.92%
Shares Outstanding (Basic)	99	99	100	100	100	100
Shares Outstanding (Diluted)	99	99	100	100	100	100
Shares Change (YoY)	-0.78%	-0.58%	-0.01%	0.00%	-0.02%	0.03%
EPS (Basic)	1296.26	1491.00	1826.00	1465.00	884.00	865.00
EPS (Diluted)	1296.26	1491.00	1826.00	1465.00	884.00	865.00
EPS Growth	-37.41%	-18.35%	24.64%	65.72%	2.20%	-4.95%
Free Cash Flow	-114,208	-333,394	291,513	-260,566	137,104	-440,877
Free Cash Flow Per Share	-1151.62	-3353.19	2914.84	-2605.05	1370.75	-4406.90
Dividend Per Share	600.000	600.000	557.673	500.000	265.256	259.610
Dividend Growth	7.59%	7.59%	11.54%	88.50%	2.17%	-4.92%
Operating Margin	13.06%	12.39%	13.91%	13.10%	5.84%	11.02%
Profit Margin	3.49%	4.29%	5.69%	5.55%	4.06%	4.59%
Free Cash Flow Margin	-3.10%	-9.66%	9.09%	-9.87%	6.29%	-23.40%
EBITDA	519,562	465,035	478,425	376,699	157,939	239,250
EBITDA Margin	14.10%	13.47%	14.92%	14.27%	7.25%	12.70%
D&A For EBITDA	38,168	37,316	32,293	30,775	30,596	31,647
EBIT	481,394	427,718	446,132	345,924	127,343	207,603
EBIT Margin	13.06%	12.39%	13.91%	13.10%	5.84%	11.02%
Effective Tax Rate	-	-	10.86%	-	-	5.04%

Updated Nov 14, 2024. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.