A.F.P. Habitat is a Chilean pension fund administrator, managing mandatory retirement savings accounts for a large share of the country's workforce and earning fees on the balances it runs. The moat is structural: the business is licensed, scale-driven, and carries an 82.9% gross margin and 73.3% operating margin, which are unusually high even for asset management. Revenue growth of 13.4% is the number to test, since it depends on contributions and assets under management rather than on any single product launch, so the question for a deeper look is how durable that compounding is as the Chilean pension system evolves. At a trailing P/E of 8.1 and a 47.0% ROE, the stock prices in a good deal of skepticism about regulatory and policy risk in Chile, and that is the debate the full work should resolve.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 20 Oct 2026, 02:20 CEST | ACCE price target | CLP 1519 | first publication | CLP 1367 |
Answered from A.F.P. Habitat fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| HABITAT.SN A.F.P. Habitat | CLP 1313.50 | - | - | 7.8x | 47.0% | 100 | 75 |
| CUPRUM.SN Cuprum | CLP 94.00 | - | - | 21.3x | 16.8% | 90 | 65 |
| PROVIDA.SN A.F.P. Provida | CLP 4920.00 | - | - | 18.8x | 13.4% | 90 | 69 |
| KINV-A.ST Kinnevik AB | kr 70.00 | - | - | - | -22.9% | 64 | 32 |
| PFCORFICOL.CL Corficolombiana preferred | COP 18120.00 | - | - | 12.1x | 7.0% | 45 | 68 |
| BURE.ST Bure Equity AB (publ) | kr 290.40 | kr 301 | 4% below | 4.3x | 21.8% | 95 | 85 |
| CORFICOLCF.CL Corficolombiana ordinary | COP 20700.00 | - | - | 13.1x | 7.0% | 45 | 70 |
Where HABITAT.SN ranks against its sector peers on each metric.