MercadoLibre, Inc.'s Stock Analysis

MercadoLibre Secures $800 Million Credit Facility Amendment

MercadoLibre, Inc. has entered into an amendment to its revolving credit agreement, allowing the company to request up to $400 million in additional commitments. This increases the total available credit commitments to $800 million, with the obligations remaining guaranteed on an unsecured basis by several affiliated entities.

The amendment affects the existing credit agreement dated September 27, 2024, but does not change other obligations of the company under this agreement. The lenders involved may also engage in various business dealings with MercadoLibre and its affiliates, potentially receiving customary fees for these services.

Sep 16, 2025 16:46:32

MercadoLibre Reports Q2 2025 Financial Results and Growth Metrics

MercadoLibre, Inc. reported net revenues and financial income of $6.79 billion for Q2 2025, marking a 34% increase year-over-year. The company achieved an income from operations of $825 million, resulting in a 12.2% margin, while net income reached $523 million with a 7.7% margin. Total Payment Volume (TPV) rose to $64.6 billion, up 39% year-over-year, and Gross Merchandise Volume (GMV) increased to $15.3 billion, reflecting a 21% year-over-year growth. The company's performance was particularly strong in Brazil, where GMV growth reached 29% year-over-year, and Argentina, which saw a 75% increase in GMV, indicating robust market expansion in these regions.

In addition to revenue growth, MercadoLibre's Fintech services also demonstrated significant progress, with monthly active users growing to 68 million, a 30% increase year-over-year. The company reported a total assets under management (AUM) of $13.8 billion, more than doubling year-over-year. The credit card portfolio grew 118% year-over-year to $4 billion, while the total credit portfolio saw a 91% increase. The company's strategic investments in logistics and marketing are aimed at enhancing customer engagement and expanding its market share across Latin America. Notably, S&P upgraded MercadoLibre to investment grade, reflecting its strong financial position.

Aug 04, 2025 16:01:19

MercadoLibre Approves Director Compensation and Share Repurchase Program

MercadoLibre's Board of Directors has approved a new compensation plan for independent directors, which includes an annual cash retainer of $90,000 and an equity award valued at $150,000. Additional cash retainers are designated for specific roles within the Board, with amounts varying based on the position held. Compensation will be prorated for directors who do not complete a full year of service, and equity awards will be granted under the company's existing equity incentive plan.

In addition, the Board has authorized a share repurchase program allowing for the repurchase of up to $4,050,000 in common stock. This program is set to expire on June 30, 2027, and will be executed in compliance with securities regulations. The timing of repurchases will depend on market conditions and the company's liquidity needs, among other factors, with repurchased shares intended for general corporate purposes, including funding the new compensation plan.

Aug 01, 2025 17:07:57

MercadoLibre Reports 37% Revenue Growth in Q1 2025

MercadoLibre, Inc. announced its financial results for the first quarter ending March 31, 2025, reporting net revenues and financial income of $5.9 billion, a 37% increase year-over-year. The company achieved an income from operations of $763 million, marking a 45% growth, with a notable net income of $494 million. The total payment volume reached $58.3 billion, up 43% year-over-year, while gross merchandise volume rose by 17% to $13.3 billion. The positive performance was driven by strong growth in Argentina, which saw a 126% increase in FX-neutral gross merchandise volume compared to the previous year, despite increased investments in Brazil and Mexico impacting margins slightly.

The company highlighted significant growth in unique active buyers, which increased by 25% year-over-year, and improvements in user experience contributed to higher brand preference scores across key markets. MercadoLibre's fintech services also showed strong performance, with digital account monthly active users growing to 64 million, a 31% increase year-over-year. The credit portfolio grew by 75% to $7.8 billion, reflecting the company's strategy to leverage its ecosystem for sustainable growth. Overall, MercadoLibre's results indicate robust momentum across its e-commerce and fintech operations.

May 07, 2025 16:01:57

Mercado Libre Reports Q4 2024 Financial Metrics and Trends

Mercado Libre achieved significant milestones in Q4 2024, surpassing 100 million unique buyers and 60 million fintech monthly active users for the first time. The company reported record financial results, with net revenues and financial income reaching $6.1 billion, a 37% increase year-over-year, and a net income of $639 million, up 67% year-over-year. The growth was driven by strong performance in Brazil and Mexico, with notable improvements in user engagement, retention, and payment volumes. The company's logistics network and credit services also contributed to operational efficiency and customer satisfaction.

However, there were some challenges noted in the report. While the overall financial performance was strong, the increase in provisions for doubtful accounts was highlighted as a concern, attributed to the rapid growth of the credit business and a higher share of credit card transactions. Additionally, the average selling prices grew at a slower pace than inflation, particularly in Argentina, which may impact future purchasing behavior. Overall, while the company is well-positioned for growth, it faces ongoing challenges in managing credit risk and pricing dynamics in certain markets.

Feb 20, 2025 16:00:36

MercadoLibre Reports $5.3 Billion Revenue in Q3'24

MercadoLibre, Inc. announced a revenue of $5.3 billion for Q3'24, reflecting a 35% year-over-year increase. The company reported growth in key metrics, including unique buyers, fintech monthly active users, and total payment volume, which reached $50.7 billion, up 34% year-over-year. They also noted improvements in market share across major geographies, particularly in Brazil and Mexico, and the successful launch of new services aimed at enhancing user engagement and loyalty.

However, the company experienced a decline in its income from operations margin, which fell to 10.5%, down 9.5 percentage points year-over-year. This margin compression was attributed to strategic investments in logistics and credit services, as well as a shift in the credit portfolio mix towards lower-margin products. Additionally, the net income margin decreased to 7.5%, despite an 11% increase in net income, indicating challenges in maintaining profitability amidst significant growth initiatives.

Nov 06, 2024 16:01:40

MercadoLibre Secures $400 Million Credit Agreement Update

MercadoLibre, Inc. has successfully amended and restated a $400 million revolving credit agreement, which indicates strong financial backing and confidence from lenders. The agreement includes guarantees from several subsidiaries, ensuring a solid foundation for the company's financial obligations. Additionally, the interest rates are tied to the company's debt rating, which could potentially lower borrowing costs, providing further financial flexibility.

However, the agreement comes with strict covenants that limit the company's ability to make significant changes in its operations or asset management. It also requires maintaining a substantial cash reserve of $600 million, which may pose a challenge if the company faces liquidity issues. Overall, while the credit agreement presents opportunities for growth, it also imposes constraints that the company must navigate carefully.

Oct 01, 2024 16:30:31

MercadoLibre Reports Strong Growth and Financial Performance

MercadoLibre achieved impressive Q2'24 results, with revenue up 42% YoY and net income soaring 103% to $531 million. Unique buyer growth accelerated by 19%, and fintech users surpassed 52 million. The company continues to innovate, enhancing its e-commerce and fintech services, and opened a new fulfillment center in Texas. However, challenges remain in Argentina's economic environment. Overall, MercadoLibre is well-positioned for future growth in Latin America.

Aug 01, 2024 16:00:57

MercadoLibre Q1'24 Results: Strong Revenue Growth in Commerce and Fintech

MercadoLibre reports a successful Q1'24 with $4.3bn revenue, 71% YoY net income growth, and notable GMV and payment volume increases. The company highlights strong performance in Commerce operations, user experience improvements, and loyalty program success. Fintech services, particularly Mercado Pago, show growth in MAUs, AUM, and credit products profitability. Despite minor NPL increases, asset quality remains robust. Future plans include continued logistics network investments and focus on sustainable growth.

May 02, 2024 16:01:11

MercadoLibre's Strong Q4'23 Results and Strategic Investments

MercadoLibre reports record revenue and income in 2023, with significant growth in unique buyers and items sold. The company's strategic investments in technology are enhancing user experience and value proposition, leading to strong growth in key markets like Brazil, Argentina, and Mexico. The introduction of new programs like Meli+ and improvements in seller tools and logistics network are driving further growth and efficiency. Additionally, the company's advertising platform is showing consistent growth, contributing positively to overall revenues.

Feb 22, 2024 16:02:29