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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Jennifer Saibil, The Motley FoolSat, November 22, 2025 at 11:35 AM GMT+1 4 min readMercadoLibre has a huge e-commerce presence in Latin America and a growing fintech business.Its regions are behind the U.S. in both of these segments, but they're growing quickly.MercadoLibre stock is well-priced right now.These 10 stocks could mint the next wave of millionaires ›MercadoLibre (NASDAQ: MELI) stock has been a top performer for years, beating the market in almost any time period. However, the company's not so well-known in the U.S., since it operates in Latin America. If you've been considering investing in this powerhouse e-commerce giant, here's what you need to know.MercadoLibre operates an e-commerce marketplace headquartered in Uruguay and serving 18 Latin American countries, including Argentina, where it got its start. It's similar to Amazon, and it has its own membership program called Meli+. It also has its own logistics network that gets deliveries to customers quickly. Same or next-day deliveries increased 28% year over year in the third quarter, although the total isn't as high as it has been in the past. That's because Meli+ members get to choose a delivery day that could be more convenient than next-day shipping.Image source: Getty Images.As a service for its customers, MercadoLibre developed a digital payments app called MercadoPago that has now grown into a massive fintech business. In addition to digital payments, it offers digital banking capabilities, credit cards, and other financial services. The company has applied for a bank charter in Mexico, where it plans to build the largest digital bank in the country.MercadoLibre's sales growth has decelerated over the past few years, but there's still plenty of momentum. Revenue increased 49% year over year in the third quarter (currency neutral), with gross merchandise volume (GMV) up 35% and total payment volume (TPV) up 54%.There are numerous growth drivers, given its large and diverse business. Unique active buyers increased 26% over last year to 76.8 million, and items sold increased 39% in Q3. Items sold per unique buyer increased 11%, which is especially impressive when you consider how many new buyers there were.In the fintech business, monthly active users increased 29% over last year, and the total credit portfolio increased 83%. Its acquiring business, which is merchant services, increased 32%.MercadoLibre is highly profitable, too. Operating income increased from $557 million to $724 million in the quarter, and the company generated $206 million in adjusted free cash flow.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,602.99 +64.23 (+0.98%)Dow 3046,245.41 +493.15 (+1.08%)Nasdaq22,273.08 +195.03 (+0.88%)Russell 20002,369.59 +64.48 (+2.80%)VIX23.43 -2.99 (-11.32%)Gold4,079.50 +19.50 (+0.48%)PortfolioSign in to access your portfolioSign inTop gainersBLLN BillionToOne, Inc. 110.00 +14.32 (+14.97%)ADPT Adaptive Biotechnologies Corporation 18.61 +2.29 (+14.03%)KYIV Kyivstar Group Ltd. 12.93 +1.41 (+12.24%)CAVA CAVA Group, Inc. 48.92 +5.33 (+12.23%)HTFL Heartflow, Inc. 30.85 +3.18 (+11.49%)Top losersESTC Elastic N.V. 70.04 -12.04 (-14.67%)VEEV Veeva Systems Inc. 244.06 -26.44 (-9.77%)POST Post Holdings, Inc. 99.42 -7.66 (-7.15%)FRMI Fermi Inc. 14.34 -1.07 (-6.94%)MENS Jyong Biotech Ltd. 30.74 -2.06 (-6.28%)Most activeNVDA NVIDIA Corporation 178.88 -1.76 (-0.97%)OPEN Opendoor Technologies Inc. 6.75 +0.59 (+9.58%)ONDS Ondas Holdings Inc. 6.74 +0.47 (+7.42%)PLUG Plug Power Inc. 1.9800 +0.0900 (+4.76%)TSLA Tesla, Inc. 391.09 -3.96 (-1.00%)Earnings eventsMy earnings eventsEarnings eventsTrending tickersBTC-USD Bitcoin USD 86,163.84 +2,038.09 (+2.42%)ETH-USD Ethereum USD 2,817.12 +81.23 (+2.97%)XRP-USD XRP USD 2.03 +0.11 (+5.96%)BTC-EUR Bitcoin EUR 74,772.29 +1,768.64 (+2.42%)SOL-USD Solana USD 129.65 +2.94 (+2.32%)Top economic events