Credit Revenues — Net revenues and financial income
Mercado Libre Credit Revenues — Net revenues and financial income increased by 20.6% to $1.85B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 77.1%, from $1.05B to $1.85B. Over 3 years (FY 2022 to FY 2025), Credit Revenues — Net revenues and financial income shows an upward trend with a 42.3% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase indicates successful expansion of the lending portfolio and higher monetization of the fintech ecosystem, while a decrease may signal tighter credit underwriting, reduced demand, or increased risk aversion.
Detailed definition
This metric represents the total revenue and financial income generated by the company's credit and lending operations....
Peer comparison
Comparable to net interest income or credit-related service fees reported by other fintech-integrated e-commerce platforms or digital banks.
meli_segment_credit_revenues_net_revenues_and_financial_incomeHistorical Data
| Q2 '21 | Q3 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | 163M | 216M | 402M | 529M | 542M | 560M | 536M | 596M | 672M | 742M | 770M | 875M | 910M | 1B | 1.1B | 1.3B | 1.5B | 1.9B |
| QoQ Change | — | +32.5% | +86.1% | +31.6% | +2.5% | +3.3% | -4.3% | +11.2% | +12.8% | +10.4% | +3.8% | +13.6% | +4.0% | +14.8% | +9.7% | +15.7% | +15.8% | +20.6% |
| YoY Change | — | — | — | +224.5% | +150.9% | — | +33.3% | +12.7% | +24.0% | +32.5% | +43.7% | +46.8% | +35.4% | +40.8% | +48.8% | +51.5% | +68.7% | +77.1% |
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Frequently Asked Questions
- What is Mercado Libre's credit revenues — net revenues and financial income?
- Mercado Libre (MELI) reported credit revenues — net revenues and financial income of $1.85B in Q4 2025.
- How has Mercado Libre's credit revenues — net revenues and financial income changed year-over-year?
- Mercado Libre's credit revenues — net revenues and financial income increased by 77.1% year-over-year, from $1.05B to $1.85B.
- What is the long-term trend for Mercado Libre's credit revenues — net revenues and financial income?
- Over 3 years (2022 to 2025), Mercado Libre's credit revenues — net revenues and financial income has grown at a 42.3% compound annual growth rate (CAGR), from $2.03B to $5.86B.
- What does credit revenues — net revenues and financial income mean?
- The total income earned from providing loans and credit services to customers and sellers.