WallStSmart

Chagee Holdings Limited American Depositary Shares (CHA)vsMercadoLibre Inc. (MELI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

MercadoLibre Inc. generates 144% more annual revenue ($31.80B vs $13.06B). CHA leads profitability with a 7.2% profit margin vs 6.0%. CHA trades at a lower P/E of 15.9x. MELI earns a higher WallStSmart Score of 58/100 (C).

CHA

Hold

48

out of 100

Grade: D+

Growth: 5.3Profit: 6.5Value: 6.0Quality: 9.0
Piotroski: 4/9Altman Z: 3.86

MELI

Buy

58

out of 100

Grade: C

Growth: 7.3Profit: 6.5Value: 6.7Quality: 4.0
Piotroski: 2/9Altman Z: 1.35
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CHA.

MELIUndervalued (+61.3%)

Margin of Safety

+61.3%

Fair Value

$5220.85

Current Price

$1863.31

$3357.54 discount

UndervaluedFair: $5220.85Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CHA4 strengths · Avg: 8.8/10
Altman Z-ScoreHealth
3.8610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

MELI4 strengths · Avg: 9.0/10
Revenue GrowthGrowth
49.0%10/10

Revenue surging 49.0% year-over-year

Market CapQuality
$91.21B9/10

Large-cap with strong market position

Return on EquityProfitability
26.4%9/10

Every $100 of equity generates 26 in profit

Free Cash FlowQuality
$1.28B8/10

Generating 1.3B in free cash flow

Areas to Watch

CHA3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.5%4/10

4.5% revenue growth

Profit MarginProfitability
7.2%3/10

7.2% margin — thin

EPS GrowthGrowth
-40.3%2/10

Earnings declined 40.3%

MELI4 concerns · Avg: 3.3/10
Price/BookValuation
13.0x4/10

Trading at 13.0x book value

Profit MarginProfitability
6.0%3/10

6.0% margin — thin

Debt/EquityHealth
1.703/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CHA

The strongest argument for CHA centers on Altman Z-Score, Debt/Equity, P/E Ratio.

Bull Case : MELI

The strongest argument for MELI centers on Revenue Growth, Market Cap, Return on Equity. Revenue growth of 49.0% demonstrates continued momentum. PEG of 1.12 suggests the stock is reasonably priced for its growth.

Bear Case : CHA

The primary concerns for CHA are Revenue Growth, Profit Margin, EPS Growth.

Bear Case : MELI

The primary concerns for MELI are Price/Book, Profit Margin, Debt/Equity. A P/E of 48.1x leaves little room for execution misses. Debt-to-equity of 1.70 is elevated, increasing financial risk.

Key Dynamics to Monitor

CHA profiles as a value stock while MELI is a hypergrowth play — different risk/reward profiles.

MELI is growing revenue faster at 49.0% — sustainability is the question.

MELI generates stronger free cash flow (1.3B), providing more financial flexibility.

Monitor RESTAURANTS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MELI scores higher overall (58/100 vs 48/100) and 49.0% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Chagee Holdings Limited American Depositary Shares

CONSUMER CYCLICAL · RESTAURANTS · USA

Chagee Holdings Ltd. is a Shanghai-based company founded in 2017 by Jun Jie Zhang. It specializes in selling freshly made tea drinks—such as tea lattes, teapuccinos, iced teas, and other creative beverages—along with related products like raw materials, packaging, and teahouse equipment.

MercadoLibre Inc.

CONSUMER CYCLICAL · INTERNET RETAIL · USA

MercadoLibre, Inc. operates online trading platforms in Latin America. The company is headquartered in Buenos Aires, Argentina.

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