Strong Q3 Earnings and Fintech Momentum Might Change the Case for Investing in MercadoLibre (MELI)

• In the past week, MercadoLibre, Inc. reported third-quarter 2025 earnings, revealing revenue of US$7.41 billion and net income of US$421 million, both increasing from the prior year.

• This performance, combined with ongoing fintech momentum and the launch of seller-focused digital tools, attracted renewed analyst confidence in MercadoLibre’s growth outlook.

• We’ll now explore how the company’s robust quarterly earnings and fintech expansion may influence its investment narrative and future expectations.

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To be a MercadoLibre shareholder, you typically need conviction in Latin America’s transition to e-commerce and digital payments, with MercadoLibre positioned as a central enabler. The company’s robust third-quarter earnings reinforce its strong revenue trajectory, but short-term margin pressure from free-shipping policy changes, now in sharper focus after recent analyst commentary, remains the most important near-term catalyst and risk; nothing in recent results appears to materially shift that immediate calculus.

The October launch of MercadoLibre’s new seller-focused podcast episode stands out for showcasing expanded digital tools. While adjacent to quarterly financial results, these tools may support ongoing user engagement and marketplace growth, themes closely linked to the company’s commercial catalysts.

Yet, against these tailwinds, investors should be especially aware of how shifts in shipping policy could…

Read the full narrative on MercadoLibre (it’s free!)

MercadoLibre’s narrative projects $46.9 billion revenue and $5.1 billion earnings by 2028. This requires 24.8% yearly revenue growth and a $3.0 billion earnings increase from $2.1 billion today.

Uncover how MercadoLibre’s forecasts yield a $2894 fair value, a 24% upside to its current price.

Twenty-five Simply Wall St Community members see fair value for MercadoLibre between US$2,316 and US$3,406. While many highlight upside from user growth and digital payments, margin risks tied to logistics and shipping costs continue to weigh on sentiment. Explore several viewpoints to see how your own thinking compares.

Explore 25 other fair value estimates on MercadoLibre – why the stock might be worth just $2316!

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Companies discussed in this article include MELI.

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