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Analyst
Marcelo Santos
Period: Reporting periods mapped to calendar 2025 Q1 – 2026 Q2 (6 quarters).
- Questions
- 6on tracked calls
- Challenge rate
- 0%none of 6 questionsLimited sample
- Companies
- 1questioned at least once
- Reporting periods
- 6with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 6 of 6 questions from 1 company
MELIMercadoLibre6 questions · 6 reporting periods · 0 of 6 challenging
Calendar 2026 Q2
Could you discuss a bit how the ramp-up of credit card in Argentina is going?
Show response
Osvaldo said the Argentina card, launched about nine months ago, is seeing strong demand and usage with payments in line with expectations among cherry-picked low-risk users.
Calendar 2026 Q1
I wanted to discuss a bit the Brazil NIM compression. You mentioned that 1/3 of the provisions came from higher provisions in Brazil
Show response
Osvaldo explained credit card mix drives smaller NIMAL, plus extended loan duration from 5 to 8 months and expanded reach to new segments. Asset quality remains stable.
Calendar 2025 Q4
Could you discuss what are the main products that are driving these or regions or if there is any particular driver behind the acceleration
Show response
Ariel cited budget orchestrator, predictive seasonal boost, performance recommendations, and AI agents engaging mid/long-tail sellers as broad-based drivers.
Calendar 2025 Q3
which just disclose a bit of the initiatives that you are doing in these markets? If this was like MediLED or market-led and what to expect going forward
Show response
Ariel attributed Chile and Colombia acceleration to improved fulfillment, selection, demand generation, and promotional activity. Osvaldo added Chile fintech MAU growing 75% YoY.
Calendar 2025 Q2
would it make sense to apply this to other countries like Argentina and Mexico. I mean I think you also have the same problem in terms of the step change in take rate
Show response
Ariel declined to commit to specific markets, noting different fulfillment penetration, loyalty programs, and cash back levels across countries. Will evaluate and decide.
Calendar 2025 Q1
I would like to ask for an update on the logistics plan, especially on Brazil. I think there were some news saying that you're planning to boost the distribution center deployment
Show response
Ariel confirmed no changes to announced logistics plan. Q1 had fewer openings due to seasonality but buildout continues. CapEx as percentage of revenue consistent with prior year.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| MELI MercadoLibre | 6 | 0%none of 6 questions |
- MELIMercadoLibre · 6 questions0%none of 6 questions
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2025 Q1 | 1 | 0%none of 1 question | 1 |
| 2025 Q2 | 1 | 0%none of 1 question | 1 |
| 2025 Q3 | 1 | 0%none of 1 question | 1 |
| 2025 Q4 | 1 | 0%none of 1 question | 1 |
| 2026 Q1 | 1 | 0%none of 1 question | 1 |
| 2026 Q2 | 1 | 0%none of 1 question | 1 |
- 2025 Q11 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q21 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q31 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q41 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q11 question · challenge rate 0% (none of 1 question) · 1 company
- 2026 Q21 question · challenge rate 0% (none of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Geographic Expansion3
- Credit2
- Margin1
- Revenue Growth1
- Innovation & R&D1
- Demand1
- Pricing1
- Capex Investment1
- Supply Chain1