Mercado Pago credit
Credit portfolio passed $16 billion in Q2 2026, up 75%.
The numbers
What it is
Consumer and merchant lending run through Mercado Pago, including the Mercado Pago credit card and working-capital loans for sellers. Lending is a major reason Fintech is growing faster than payments volume.↗ source
Why it matters to the stock. Credit is the biggest swing factor for margins. The company is growing the book quickly, so funding costs and loss provisions have a direct effect on operating income.
News
MercadoLibre Q2 2026: revenue up 50% to $10.17 billion, but operating margin falls to 6.7%
MercadoLibre reported second-quarter 2026 results on August 5.
Quarterly provisions for doubtful accounts nearly double to $1.28 billion
MercadoLibre's quarterly report for the period ended June 30, 2026 shows the provision for doubtful accounts rose to $1,276 million from $690 million a year earlier.
MercadoLibre Q1 2026 revenue up 49% to $8.8 billion, but net income falls 16% on credit-card provisions
MercadoLibre reported first-quarter 2026 revenue of $8.85 billion, up 49%, above the roughly $8.3 billion analysts expected.
MercadoLibre plans record R$57 billion investment in Brazil for 2026, up 50%
MercadoLibre announced it will invest R$57 billion in Brazil in 2026, about 50% more than the R$38 billion it invested in 2025, or roughly US$10.9 billion by press conversion.
MercadoLibre Q4 2025 revenue rises 45% to $8.8 billion; operating margin squeezed by investment
MercadoLibre reported fourth-quarter 2025 revenue of $8.76 billion, up 45%, with diluted EPS of $11.03 against $12.61 a year earlier.