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.
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.