---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-22-000324"
form_type: "8-K"
ticker: "MELI"
cik: "0001099590"
company_name: "MERCADOLIBRE INC"
filed_at: "2022-08-03T23:59:59+00:00"
generated_at: "2026-06-24T04:51:02.568104+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# MercadoLibre Q2 net revenues $2.6B, +56.5% FX-neutral; op income $250M, 9.6% margin

## Summary
- Net income $123M (4.7% margin); fintech revenues exceeded $1B for first time.
- Total payment volume $30.2B (+83.9% FX-neutral); GMV $8.6B (+26.2% FX-neutral).
- Credit portfolio $2.7B (+230% YoY); non-performing loans 31.4% (90+ days well provisioned).
- Brazil revenue +53% USD, Argentina +62%, Mexico +65%; unique active buyers 40.8M.
- Operating expenses 39.8% of revenue (provisions for doubtful accounts); FX losses $60M.

## SEC filing metadata
- accession: 0001562762-22-000324
- form_type: 8-K
- ticker: MELI
- cik: 0001099590
- company_name: MERCADOLIBRE INC
- filed_at: 2022-08-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1099590/000156276222000324/0001562762-22-000324-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1099590/000156276222000324/meli-20220803x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-22-000324
- JSON: https://secwatch.observer/filing/0001562762-22-000324.json
- Plain text: https://secwatch.observer/filing/0001562762-22-000324.txt

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