SE vs MELI Stock Comparison: AI Score, Valuation, Performance and Upside
Both SE and MELI are dominant regional digital economy platforms — SE across Southeast Asia and MELI across Latin America — combining e-commerce marketplaces with fintech services targeting underbanked populations. MELI is generally larger, more profitable, and more established, while SE offers more geographic diversification and a larger addressable population.
SE vs MELI compares the two leading emerging market digital economy platforms, each combining e-commerce and fintech dominance in high-growth regions with large underbanked populations.
SE holds the edge across 3 of 5 key metrics in this comparison. MELI has delivered stronger 1-year price return (-27.82% vs -46.58%), though SE has the better forward P/E setup (19.61x vs 34.60x for MELI). On fundamentals, MELI is growing revenue faster (49.80%), while SE maintains the higher operating margin (8.35%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for SE (+54.35%) than for MELI (+14.76%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to Southeast Asia's digital economy through a leading e-commerce and fintech platform
- Believe Shopee and SeaMoney can sustain long-term growth as Southeast Asian consumer spending matures
- Are comfortable with a more complex, multi-segment business navigating competitive dynamics
- Want exposure to Latin America's dominant e-commerce and fintech platform
- Value MercadoLibre's more established profitability and scale versus earlier-stage emerging market peers
- Believe Mercado Pago's fintech flywheel will drive compounding growth across payments, lending, and investing
| Metric | SE | MELI |
|---|---|---|
| AI scorei | 55.6 | 63.8 |
| AI ranki | #263 | #99 |
| Latest closei | $101.79 | $1,787.39 |
| 1M returni | -14.53% | -6.35% |
| 6M returni | +29.09% | +7.23% |
| 1Y returni | -46.58% | -27.82% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SE | MELI |
|---|---|---|
| 1Y ago | $5.34K (-46.6%) started 2025-09-18 | $7.22K (-27.8%) started 2025-09-18 |
| 5Y ago | $3.09K (-69.1%) started 2021-09-20 | $9.82K (-1.8%) started 2021-09-20 |
| 10Y ago | $62.6K (+526.0%) started 2017-10-20 | $99.9K (+899.0%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | SE | MELI |
|---|---|---|
| Market capi | $62.34B | $99.68B |
| Trailing P/Ei | 39.30 | 53.47 |
| Forward P/Ei | 19.61 | 34.60 |
| Price/Salesi | 2.25 | 5.62 |
| EV/Revenuei | 2.16 | 3.04 |
| Analyst targeti | $157.11 | $2,256.54 |
| Target upsidei | +54.35% | +14.76% |
| Metric | SE | MELI |
|---|---|---|
| Revenue growthi | 48.10% | 49.80% |
| Earnings growthi | 7.70% | -10.90% |
| EPS growthi | +7.70% | -10.90% |
| FCF margini | +0.24% | +1.00% |
| Operating margini | 8.35% | 6.72% |
| Profit margini | 5.91% | 5.30% |
| ROIC proxyi | 14.73% | 27.50% |
| Return on equityi | 14.73% | 27.50% |
| Dividend yieldi | 0.00% | N/A |
| Payout ratioi | 0.00% | 0.00% |
| Dividend growth streaki | N/A | N/A |
| Betai | 1.52 | 1.31 |
| Debt/equityi | 31.62 | 168.59 |
| Current ratioi | 1.49 | 1.12 |
| Quick ratioi | 0.62 | 0.40 |
Over the past year, SE and MELI have moved moderately in the same direction (correlation of 0.48), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | SE | MELI |
|---|---|---|---|
| 1Y | Growthi | -46.58% | -27.82% |
| CAGRi | -46.61% | -27.84% | |
| Volatilityi | 51.00% | 41.30% | |
| Sharpe ratioi | -1.07 | -0.69 | |
| Sortino ratioi | -1.47 | -0.89 | |
| Max drawdowni | 59.49% | 38.40% | |
| Current drawdowni | 47.25% | 28.82% | |
| Avg drawdowni | 39.61% | 23.37% | |
| Ulcer Indexi | 42.45% | 24.93% | |
| Max daily dropi | 16.53% | 12.70% | |
| Max wkly dropi | 18.01% | 15.16% | |
| 5Y | Growthi | -69.12% | -1.83% |
| CAGRi | -20.97% | -0.37% | |
| Volatilityi | 64.53% | 49.52% | |
| Sharpe ratioi | -0.11 | 0.15 | |
| Sortino ratioi | -0.16 | 0.21 | |
| Max drawdowni | 90.51% | 67.52% | |
| Current drawdowni | 72.26% | 31.61% | |
| Avg drawdowni | 71.27% | 26.58% | |
| Ulcer Indexi | 73.45% | 31.50% | |
| Max daily dropi | 28.68% | 16.88% | |
| Max wkly dropi | 38.19% | 33.57% | |
| 10Y | Growthi | +526.01% | +899.04% |
| CAGRi | +22.85% | +25.89% | |
| Volatilityi | 62.28% | 48.82% | |
| Sharpe ratioi | 0.57 | 0.62 | |
| Sortino ratioi | 0.86 | 0.92 | |
| Max drawdowni | 90.51% | 69.12% | |
| Current drawdowni | 72.26% | 31.61% | |
| Avg drawdowni | 44.90% | 20.20% | |
| Ulcer Indexi | 55.91% | 25.97% | |
| Max daily dropi | 28.68% | 16.88% | |
| Max wkly dropi | 38.19% | 33.57% |
| Category | SE | MELI |
|---|---|---|
| Company | Sea Limited | MercadoLibre, Inc. |
| Sector | Consumer Discretionary / Technology - Southeast Asia Digital Economy | Consumer Cyclical |
| Industry | Internet Retail | Internet Retail |
| Core business | Sea Limited operates three digital businesses across Southeast Asia and other emerging markets: Shopee (e-commerce marketplace), SeaMoney (fintech and digital financial services), and Garena (digital entertainment and gaming). | MercadoLibre is the dominant e-commerce and fintech platform across Latin America, operating its Mercado Libre marketplace, Mercado Pago payments, Mercado Credito lending, and logistics infrastructure. |
| Investor focus | Investors track Sea's progress toward profitability in its e-commerce segment, SeaMoney financial services growth, and whether the Garena gaming segment can stabilize or grow after a sharp post-pandemic decline. | Investors track MercadoLibre's gross merchandise volume growth, Mercado Pago total payment volume and fintech monetization, credit portfolio quality, and operating leverage as the business scales. |
- Shopee is one of the leading e-commerce platforms across Southeast Asia with strong mobile-first positioning
- SeaMoney fintech business benefits from serving underbanked populations across high-growth emerging markets
- Singapore-listed company with U.S. ADRs provides accessible exposure to Southeast Asian digital economy growth
- Dominant position in Latin American e-commerce in its core markets of Brazil, Argentina, and Mexico
- Mercado Pago fintech is one of the largest digital payment platforms in Latin America
- Vertically integrated logistics network (Mercado Envios) provides a competitive moat
- Garena gaming segment experienced a sharp post-pandemic decline in active users and revenue
- E-commerce competition from TikTok Shop and other platforms has intensified in key Southeast Asian markets
- Path to sustained profitability has been complex as the company balances growth investment with margin improvement
- Latin American macro and currency volatility (especially Argentina inflation) creates earnings volatility
- Credit portfolio quality monitoring is critical as Mercado Credito lending has scaled rapidly
- Competition from global platforms entering Latin American e-commerce markets
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