---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-22-000426"
form_type: "8-K"
ticker: "MELI"
cik: "0001099590"
company_name: "MERCADOLIBRE INC"
filed_at: "2022-11-03T23:59:59+00:00"
generated_at: "2026-06-22T07:54:03.277105+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# MercadoLibre Q3 2022 net revenue $2.7B (+60.6% FX-neutral), operating income $296M (11.0% margin)

## Summary
- Net revenues $2.7B, up 60.6% YoY FX-neutral; income from operations $296M (11.0% margin), a quarterly record.
- Total Payment Volume $32.2B (+76.4% FX-neutral); Digital Account TPV up 138% FX-neutral to $10.6B.
- Gross Merchandise Volume $8.6B (+31.5% FX-neutral); unique buyers up ~10% YoY; Brazil GMV +20% FX-neutral.
- Mercado Credito portfolio $2.8B; NPL ratio rose to 37.0% (sequential rise from over-90 bucket); deliberate slowdown in originations.
- Net income $129M (4.8% margin); foreign currency loss of $71M from Argentine share repurchases; cash from operations $724M.

## SEC filing metadata
- accession: 0001562762-22-000426
- form_type: 8-K
- ticker: MELI
- cik: 0001099590
- company_name: MERCADOLIBRE INC
- filed_at: 2022-11-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1099590/000156276222000426/0001562762-22-000426-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1099590/000156276222000426/meli-20221103x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-22-000426
- JSON: https://secwatch.observer/filing/0001562762-22-000426.json
- Plain text: https://secwatch.observer/filing/0001562762-22-000426.txt

## Key facts
- Earnings Releases
  MERCADOLIBRE INC reported the quarter ended September 30, 2022 results: revenue $2.7 billion.
  - Period: the quarter ended September 30, 2022
  - Revenue: $2.7 billion
  - Result: reported results
  source text: MercadoLibre, Inc. Third Quarter 2022 Letter to Shareholders  Net Revenues of $2.7 billion, up 60.6% year-over-year on an FX neutral basis Income from operations of $296 million, with a 11.0% margin $32.2 billion Total Payment Volume, up 76.4% year -over-year on an FX neutral basis
  evidence_url: https://www.sec.gov/Archives/edgar/data/1099590/000156276222000426/0001562762-22-000426-index.htm

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