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Analyst
Rodrigo Gastim
Period: Reporting periods mapped to calendar 2024 Q4 – 2026 Q2 (7 quarters; questions recorded in 6).
- Questions
- 7on tracked calls
- Challenge rate
- 0%none of 7 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 7 of 7 questions from 1 company
MELIMercadoLibre7 questions · 6 reporting periods · 0 of 7 challenging
Calendar 2026 Q2
Investors are quite concerned about the potential deterioration during the second half of the year in 2027.
Show response
Osvaldo confirmed Brazil NPLs in line with a year ago or better and cited conservative issuance and improved underwriting models as protection against a downturn.
Calendar 2026 Q1
If you could discuss a little bit about the potential acceleration in the credit book in the country or give us some idea of the growth
Show response
Osvaldo highlighted strong NPL performance vs banks, short duration advantage, nimble pricing. Credit card launched Aug/Sep 2025, early cohorts similar to Brazil first steps. Positive but acknowledged it's early.
Calendar 2025 Q4
do you already believe we should start to see further operating leverage in Brazil going forward just to see how you are thinking this balance
Show response
Martin emphasized growth priority over short-term margin optimization, citing 45% top-line growth, record NPS, and confidence in long-term margin trajectory.
Calendar 2025 Q2
can we understand that GMV in Brazil also accelerated after the free shipping campaign so far? It is very important for us to understand
Show response
Ariel confirmed both items and GMV accelerated, though GMV impact is smaller given low-ASP focus. All key KPIs trending in right direction with only 4 weeks of data.
Calendar 2025 Q1
I just would like to double click here on the main drivers behind Argentina's contribution margin evolution. You said it is easy comps, I understand that, but you've reached the highest contributio...
Show response
Martin attributed Argentina margins to fixed cost dilution from growth, improved credit profitability from declining interest rates, and across-the-board business recovery.
Calendar 2024 Q4
if you could just share on a qualitative basis the trend both of the NIMAL and the EBIT of the credit card book
Show response
Martin explained NIMAL decline is by design from credit card mix shift, while credit card NIMAL itself is improving as older cohorts mature and become profitable.
in addition to the micro cards, what else you're -- you guys doing to kind of prevent or to reduce the risk given the macro outlook
Show response
Osvaldo detailed credit segmentation approach: limiting issuance to riskier segments to ensure paybacks hold even under economic stress.
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 | 7 | 0%none of 7 questions |
- MELIMercadoLibre · 7 questions0%none of 7 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 |
|---|---|---|---|
| 2024 Q4 | 2 | 0%none of 2 questions | 1 |
| 2025 Q1 | 1 | 0%none of 1 question | 1 |
| 2025 Q2 | 1 | 0%none of 1 question | 1 |
| 2025 Q3 | No questions recorded | — | — |
| 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 |
- 2024 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 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 Q3No questions recorded
- 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.
- Credit4
- Macroeconomic3
- Margin3
- Geographic Expansion1
- Competitive Dynamics1
- Demand1
- Revenue Growth1