跟读练习: How to Present Financial Results in English – CFO Video Breakdown - 通过YouTube学习英语口语
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In today's English class, we'll be analyzing the way the CFO of Mercado Libre presents his financial results.
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In today's English class, we'll be analyzing the way the CFO of Mercado Libre presents his financial results.
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In this analysis, we're going to be looking at two things.
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Firstly, the vocabulary he uses,
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and secondly, the way he structures his messaging.
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Just a reminder, if you like the video,
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please leave me a message in the comments section.
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And if you haven't already subscribed to the channel, please do that.
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I've also got a free newsletter, English for Accountants.
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So if you're looking to take your English to that next level,
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you can find the link in the description of this video.
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Welcome back, everybody.
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Mercado Libre is Latin America's largest company by market value.
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The e-commerce giant reported earnings that missed estimates.
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Revenue growth of 34% did beat expectations,
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but the earnings of $10.31 came in below the $11.93 the street was expecting.
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Joining us right now to talk more about it is the company's CFO,
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Martin De Los Santos.
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And sir, thank you for being with us this morning.
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Let's talk a little bit about the stock's reaction.
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It's down 6% after the earnings were a little disappointing.
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I know margins were cut into a bit.
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What happened?
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We see here that the revenue was good,
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but the earnings wasn't what they were expecting.
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Did you notice they never use the word bad when they're describing financial performance?
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They use words like missed, the earnings missed estimates.
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In this case, we're saying that the earnings were lower than what the analysts were expecting.
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She also uses the word came in below.
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For example, the earnings of 1031 came in below the 1193 we were expecting.
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She also said are down.
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The stocks are down 6%.
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And lastly, disappointing.
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The earnings were a little disappointing
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so according to the interviewer a mix of results good being revenue growth
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and perhaps bad the earnings were below what the analysts were
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expecting okay let's see how the cfo handles this situation
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so generally a good cfo will always try
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and focus on the good results
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and where there is some problematic areas they generally try
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and turn it into something positive so let's see what he says here
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good morning thank you for having me we are very excited about the results that we've seen in q2
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you know as you mentioned revenue is growing 34 year on
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year we continue to expand both our e-commerce platform as well
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as our fintech ecosystem where we see a tremendous opportunity in
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latin america a number of users continue to grow 25 in
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commerce 30 growth in fintech our credit book doubling year on year gmb
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which is a volume transacted in our platform growing
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30 in mexico and brazil our largest markets so so very excited about the results so he says here
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he's excited about the results let's look at the things he
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focuses on revenue up 34% year on year okay year on
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year means compared to previous period we have continued to expand
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both our ecommerce platform as well as our fintech the number of users has grown
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so for the ecommerce platform it was 25% and for The fintech,
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the number of users has grown by 30%.
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And lastly, he says that their credit book doubled.
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Okay.
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So we can see here the focus is on the good results.
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Let's see what he says about why his earnings were below expectations.
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And if he puts a little positive spin on his messaging.
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This was a quarter of investment.
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In order to capture this large opportunity that we have ahead of us,
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We need to continue investing for the long term.
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We opened two new fulfillment centers this quarter,
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adding to the more than 30 fulfillment centers that we have in the region.
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We have the largest and more sophisticated fulfillment infrastructure in Latin America.
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We also invested in offering free shipping to our users in Brazil.
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We lowered the threshold by which we offer free shipping to $4.
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I mean, came from 79 reais to 19 reais,
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which is roughly four dollars.
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So that's a bold step in terms of our eliminating friction for people buying online.
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And we also continue to invest in the credit card.
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So I think probably in the short term that put a little pressure on margins,
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but we are sure I'm improving over the past several years
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that those investments in the long term pay off in order for us to make sure
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that we do not miss the large opportunities that we have ahead of us.
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so the first thing he said it was a quarter of investment to capture opportunities okay
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so that's why their earnings were lower than expected their costs have increased
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so those costs have come from two areas firstly opening up more fulfillment centers
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and secondly because they lowered the threshold to qualify for free shipping okay
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so the minimum order amount now is much lower than what it used to be
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and they're doing that to capture more clients okay
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so you notice how he spun the message from bad news
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being cost increase into something positive capturing more market for the long term
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i also like some of the phrases he used in this section he said it was a bold step
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to eliminate friction for people buying online so in this case bold means courageous or brave
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and friction is referring to resistance making something harder okay
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so in other words it was a brave decision to make
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online shopping easier for people the second phrase I liked was
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when he said in the short term that will put pressure on our margins
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but we're confident that in the long term those investments will pay off
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so here the phrasal verb is payoff payoff can mean a few things
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but in this sense it means to have good results
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so in other words investing in the short term will provide
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good results in the long term you notice here everything he
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says is clear it's concise he doesn't over complicate the messaging
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if you're a non-native English speaker
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and you want to present results the same way as
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that CFO did check out my step-by-step guide in my course
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describing financial performance in English I'll leave the link for you in the description of this video
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so what's one thing you should take away from today's class it's this
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when you're presenting financial results don't focus on numbers in the table okay
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if your audience wanted
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that information they don't need you to present it to them
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they have it already in a report instead your focus should
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be on creating a clear digestible message of the events
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that drove the result in your business okay the same way
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we saw the CFO from Mercado Libre do okay the revenue was up why it's
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because they invested more in free shipping which meant
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that they were able to bring in more customers okay their costs are up why
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because they invested more in free shipping offering
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that to their clients they paid that and they opened up more fulfillment centers
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which meant their cost increase but they were able to serve better than you market okay
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so the next time you have to present financial results focus more on the messaging rather than reading numbers
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为什么要通过这个视频练习口语？
在这节英语课中，我们将分析Mercado Libre的CFO如何呈现其财务结果。通过观看这个视频，学习者不仅能够提升自己的英语口语能力，还能掌握商业英语的具体语境。实际的商业演示能够为英语学习者提供真实的对话情境，使他们能够在日后的职场交流中更加自信和熟练。本视频相当于一堂实战课，适合正在寻找英语口语练习机会的学员们，尤其是在使用英语影子跟读法进行学习时。
语法与表达的语境分析
- missed estimates：CFO提到业绩“没有达到预期”，使用了“miss”这个动词，暗示一种温和的表现方式。在商业英语中，这样的用法能够避免直接的负面评价，适合在公开场合使用。
- came in below：这个短语表明收益低于预期，适合报告财务结果时的规范表达方式。
- are down：在谈论股市变化时，常用“are down”来表达股票价格的下跌，而不是使用“bad”这样的绝对词汇，这是一种更为技巧性的表述。
- disappointing：CFO用“disappointing”来形容业绩的表现，虽然结果不是很理想，但传达出的语气仍然保持专业。
常见的发音陷阱
在商业演示中，有些词汇的发音可能会让英语学习者感到困惑。比如说“earnings”和“analysis”这两个词，发音时需要注意音节的重音和流畅度。此外，“revenue”和“fintech”这两个词在快速的口语表达中更容易被误读。练习这些单词时，可以利用shadowspeaks或shadow speak的技巧，帮助更好地掌握音调和节奏，从而在口语交流中更具自信。
什么是跟读法？
跟读法 (Shadowing) 是一种有科学依据的语言学习技巧，最初开发用于专业口译员的培训，并由多语言者Alexander Arguelles博士普及。这个方法简单而强大：您在听英语母语原声的同时立即大声重复——就像是一个延迟1-2秒紧跟说话者的影子。与被动听力或语法练习不同，跟读法强迫您的大脑和口腔肌肉同时处理并模仿真实的讲话模式。研究表明它能显着提高发音准确性，语调，节奏，连读，听力理解和口语流利度——使其成为雅思口语备考和真实英语交流最有效的方法之一。