Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 -OR- ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________ to _________ Commission file number 001-33647 MercadoLibre, Inc. (Exact name of Registrant as specified in its Charter) Dela ...

MercadoLibre, Inc. (NASDAQ:MELI) Q2 2022 Earnings Conference Call August 3, 2022 4:30 PM ET Company Participants Lissa Schreurs - Investor Relations Officer Pedro Arnt - Chief Financial Officer Osvaldo Gimenez - Chief Executive Officer, Mercado Pago Conference Call Participants Andrew Ruben - Morgan Stanley Marcelo Santos - JPMorgan Kaio Prato - UBS Bob Ford - Bank of America Joao Soares - Citi Marvin Fong - BTIG Stephen Ju - Credit Suisse Neha Agarwala - HSBC Sean Dunlop - Morningstar Lissa Schreurs Hello ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 -OR- ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________ to _________ Commission file number 001-33647 MercadoLibre, Inc. (Exact name of Registrant as specified in its Charter) Delaware ...

MercadoLibre, Inc. (NASDAQ:MELI) Q1 2022 Results Conference Call May 5, 2022 4:30 PM ET Company Participants Lissa Schreurs - Head of Investor Relations Pedro Arnt - Chief Financial Officer Osvaldo Gimenez - Chief Executive Officer of Mercado Pago Conference Call Participants Andrew Ruben - Morgan Stanley Irma Sgarz - Goldman Sachs Robert Ford Aguilar - BofA Securities Marcelo Santos - JPMorgan Kaio Prato - UBS Deepak Mathivanan - Wolfe Research Marvin Fong - BTIG Stephen Ju - Crédit Suisse Trevor Vincent - ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 -OR- ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________ to _________ Commission file number 001-33647 MercadoLibre, Inc. (Exact name of Registrant as specified in its Charter) Delaware ...

Financial Data and Key Metrics Changes - In Q4 2021, net revenues reached $2.1 billion, growing 61% in USD and 74% on an FX-neutral basis compared to the previous year [39] - Gross profit for Q4 was $853 million, with a margin of 40%, improving by 320 basis points from 36.8% in Q4 2020 [42] - EBIT for Q4 was $23.3 million, with a margin of 1.1%, an improvement from a negative 1.9% EBIT margin in Q4 2020 [46] - The company reported a net loss of $46 million for the quarter, improving from a net income margin of negative 3.8% in the previous year [48] Business Line Data and Key Metrics Changes - Gross merchandise volume (GMV) for the full year reached $28.4 billion, growing over 48% on an FX-neutral basis [7] - In Q4, GMV was almost $8 billion, growing 32% on an FX-neutral basis [17] - Total Payment Volume for the full year was $77.4 billion, growing 78% on an FX-neutral basis [13] - The fintech segment saw total unique active users surpassing 51 million, with credit originations exceeding $3.8 billion for the year [10][11] Market Data and Key Metrics Changes - The unique buyer base grew to 40.5 million in Q4, with items per buyer increasing by 14% year-over-year [18] - The company shipped over 275 million items in Q4, with almost 90% delivered through its managed logistics network [21][22] - The fintech business saw a 23% year-over-year growth in unique active users, reaching 34.5 million in Q4 [32] Company Strategy and Development Direction - The company aims to maintain operational leverage while investing in logistics, category expansion, and fintech products to sustain growth [56] - There is a strong focus on improving delivery times and expanding the logistics network to enhance customer experience [26] - The company is committed to democratizing access to commerce and financial services in Latin America, with significant room for growth in e-commerce penetration [50][51] Management's Comments on Operating Environment and Future Outlook - Management noted that 2021 presented challenges but also opportunities, resulting in record results and improved margins [6] - The company is optimistic about the future, citing a large runway for growth in both e-commerce and fintech despite rising inflation and competition [51] - Management emphasized the importance of continuous investment in technology and human capital for future success [51] Other Important Information - The company is releasing its annual impact report alongside its 10-K, highlighting both financial and non-financial objectives [52] - A new pricing structure for fintech services was announced to address the impact of rising interest rates [40] Q&A Session Summary Question: How does 2022 fit into the growth narrative and investment focus areas? - Management indicated a continued focus on logistics, category expansion, and fintech products while maintaining operational leverage [56] Question: What developments are seen in the advertising front? - The advertising business is viewed as a significant opportunity with gross margins above 70%, and it has crossed the 1% mark of GMV [60] Question: How is the monetization of logistics services being received by sellers? - There has been no negative impact observed from monetization efforts, and the logistics network is driving better delivery times and conversions [64] Question: What is the status of the credit business and NPL trends? - The credit business is seeing improvements in NPLs, with a focus on middle to lower-income clients [66] Question: What is the strategy for local sellers and pricing? - The company focuses on providing a strong value proposition through logistics, free shipping, and credit offerings to retain local sellers [92][98]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-33647 MercadoLibre, Inc. (Exact name of Registrant as specified in its Charter) Delaware 98-0212790 (State or other jur ...