---
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"
generated_at: "2026-05-30T04:18:48.587330+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# MercadoLibre Q3 revenue $5.3B (+35% YoY); EBIT margin down 7.4ppts on credit & shipping investments

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001099590-24-000039
- JSON: https://secwatch.observer/filing/0001099590-24-000039.json
- Plain text: https://secwatch.observer/filing/0001099590-24-000039.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.