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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Irma Sgarz | Goldman Sachs | 8 | 0% |
| Andy Ruben | Morgan Stanley | 7 | 0% |
| Rob Ford | Bank of America | 7 | 0% |
| Neha Agarwala | HSBC | 7 | 0% |
| Kaio Prato | UBS | 6 | 0% |
| Rodrigo Gastim | Itau BBA | 6 | 0% |
| Josh Beck | Raymond James | 6 | 0% |
| Joao Soares | Citigroup | 5 | 0% |
| Deepak Mathivanan | Cantor Fitzgerald | 5 | 0% |
| Jeff Elliott | Autonomous Research | 5 | 20% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Goldman Sachs | 1 | 8 | 0% |
| Itau BBA | 2 | 7 | 14% |
| Morgan Stanley | 1 | 7 | 0% |
| HSBC | 1 |
| 7 |
| 0% |
| Bank of America | 1 | 7 | 0% |
| Raymond James | 1 | 6 | 0% |
| UBS | 1 | 6 | 0% |
| Cantor Fitzgerald | 2 | 6 | 0% |
Revenue grew approximately 49% year-over-year as Brazil commerce acceleration from free shipping and credit portfolio near-doubling drove fintech growth. Deliberate margin compression from strategic investments continued with LLM deployment in search driving conversion gains. Credit card cross-sell flywheel scaled across markets while NIM compressed from credit mix shift and longer loan durations.
Credit | Margin | Competitive Dynamics | Demand | Macroeconomic | Capex Investment | Revenue Growth | Pricing | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 11 | 4 | 3 | 3 | 4 | 3 | 1 | 1 |
| 2025Q1 | 4 | 5 | 5 | 4 | 4 | 2 | 2 | |
| 2025Q2 | 6 | 4 | 1 | 3 | 1 | 1 | 1 | 4 |
| 2025Q3 | 4 | 4 | 7 | 2 | 1 | 3 | 2 | 2 |
| 2025Q4 | 6 | 6 | 2 | 2 | 2 | 1 | 3 | 1 |
| 2026Q1 | 6 | 7 | 3 | 1 | 1 | 1 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Credit | 11 | 4 | 6 | 4 | 6 | 6 |
| Margin | 4 | 5 | 4 | 4 | 6 | 7 |
| Competitive Dynamics | 3 | 5 | 1 | 7 | 2 | 3 |
| Demand | 3 | 4 | 3 | 2 | 2 | 1 |
| Macroeconomic | 4 | 4 | 1 | 1 | 2 | 1 |
| Capex Investment | 3 | 2 | 1 | 3 | 1 | 1 |
| Revenue Growth | 1 | 2 | 1 | 2 | 3 | |
| Pricing | 1 | 4 | 2 | 1 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
MELI MercadoLibre | 7 | +49.0% | |
| AMZN Amazon.com, Inc. | 9 | +16.6% | |
| AZO AutoZone | 7 | +8.4% | |
| BBY Best Buy | 6 | +1.9% | |
| CASY Casey's General Stores, Inc. | 8 | +0.3% | |
| EBAY eBay | 8 | +19.5% | |
| GPC Genuine Parts Company | 6 | +6.8% | |
| ORLY O'Reilly Automotive | 8 | +10.2% | |
| PDD PDD Holdings | 6 | +10.4% | |
| TSCO Tractor Supply | 5 | +3.6% | |
| ULTA Ulta Beauty | 7 | +11.8% | |
| WSM Williams-Sonoma | 6 | +4.3% |