Inversiones La Construcción S.A. (ILC.SN) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Inversiones La Construcción S.A. under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. ILC.SN files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 116.29% | 30.00% | Fail |
| Interest-bearing investments | 54.71% | 30.00% | Fail |
| Non-permissible income | 12.41% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 16.00% | 33.00% | Pass |
| Interest-bearing investments | 7.53% | 33.00% | Pass |
| Non-liquid assets | 89.36% | at least 20.00% | Pass |
| Non-permissible income | 12.41% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 16.00% | 33.33% | Pass |
| Cash + interest-bearing securities | 7.53% | 33.33% | Pass |
| Accounts receivable | 10.64% | 33.33% | Pass |
| Non-permissible income | 12.41% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 16.00% | 33.33% | Pass |
| Cash + interest-bearing securities | 7.53% | 33.33% | Pass |
| Accounts receivable | 10.64% | 50.00% | Pass |
| Non-permissible income | 12.41% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 203.23% | 33.00% | Fail |
| Cash + interest-bearing securities | 95.61% | 33.00% | Fail |
| Accounts receivable | 39.62% | 33.00% | Fail |
| Non-permissible income | 12.41% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 248.38% | 33.00% | Fail |
| Cash + interest-bearing securities | 116.85% | 49.00% | Fail |
| Accounts receivable | 48.42% | 49.00% | Pass |
| Non-permissible income | 12.41% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 248.38% | 33.33% | Fail |
| Cash + interest-bearing securities | 116.85% | 33.33% | Fail |
| Accounts receivable | 165.26% | 49.00% | Fail |
| Non-permissible income | 12.41% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 96.60 | SELL |
| Stochastic %K (14) | 100.00 | SELL |
| CCI (20) | 666.67 | SELL |
| Williams %R (14) | 0.00 | SELL |
| MACD (12,26,9) | 176.95 | BUY |
| ROC (10) | 12.53 | BUY |
| Momentum (10) | 2688.00 | BUY |
| EMA (10) | 21938.83 | BUY |
| SMA (10) | 21718.80 | BUY |
| EMA (20) | 21712.31 | BUY |
| SMA (20) | 21584.40 | BUY |
| EMA (30) | 21640.96 | BUY |
| SMA (30) | 21539.60 | BUY |
| EMA (50) | 21548.04 | BUY |
| SMA (50) | 21586.56 | BUY |
| EMA (100) | 21058.20 | BUY |
| SMA (100) | 21322.15 | BUY |
| EMA (200) | 19441.73 | BUY |
| SMA (200) | 20046.37 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Insurance - Life
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.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.