{"schema_version":"secwatch.filing_event.v1","accession":"0001099590-24-000039","form_type":"8-K","ticker":"MELI","cik":"0001099590","company_name":"MERCADOLIBRE INC","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.667221+00:00","generated_at":"2026-05-30T04:18:48.587330+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"MercadoLibre Q3 revenue $5.3B (+35% YoY); EBIT margin down 7.4ppts on credit & shipping investments","bullets":["Net revenues $5.3B (+35% YoY, +103% FX-neutral); income from ops $557M (10.5% margin).","Net income $397M (7.5% margin); Net income margin down only 1.1ppt YoY despite EBIT compression.","Total Payment Volume $50.7B (+34% YoY, +73% FX-neutral); GMV $12.9B (+14% YoY, +71% FX-neutral).","Credit portfolio $6.0B (+77% YoY); NIMAL spread 24% (down 13ppts due to credit card mix shift).","Fitch upgraded MELI to Investment Grade (BBB-) in October 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001099590-24-000039","json":"https://secwatch.observer/filing/0001099590-24-000039.json","markdown":"https://secwatch.observer/filing/0001099590-24-000039.md","text":"https://secwatch.observer/filing/0001099590-24-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1099590/000109959024000039/0001099590-24-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1099590/000109959024000039/meli-20241106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:18:48.587330+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}