BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BILL - US0900431000 - Common Stock
53.485 USD
+0.81 (+1.55%)
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 281 industry peers in the Software industry. There are concerns on the financial health of BILL while its profitability can be described as average. BILL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
BILL had positive earnings in the past year.
In the past year BILL had a positive cash flow from operations.
BILL had negative earnings in 4 of the past 5 years.
Of the past 5 years BILL 4 years had a positive operating cash flow.
1.2 Ratios
BILL's Return On Assets of 0.12% is in line compared to the rest of the industry. BILL outperforms 58.01% of its industry peers.
Looking at the Return On Equity, with a value of 0.31%, BILL is in the better half of the industry, outperforming 61.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.31% | ||
| ROIC | N/A |
ROA(3y)-0.8%
ROA(5y)-1.52%
ROE(3y)-1.86%
ROE(5y)-3.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 0.80%, BILL is in the better half of the industry, outperforming 61.21% of the companies in the same industry.
Looking at the Gross Margin, with a value of 81.04%, BILL belongs to the top of the industry, outperforming 84.70% of the companies in the same industry.
BILL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 0.8% | ||
| GM | 81.04% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5%
GM growth 5Y1.61%
2. Health
2.1 Basic Checks
BILL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BILL has been reduced compared to 1 year ago.
BILL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for BILL is higher compared to a year ago.
2.2 Solvency
BILL has an Altman-Z score of 0.75. This is a bad value and indicates that BILL is not financially healthy and even has some risk of bankruptcy.
BILL has a worse Altman-Z score (0.75) than 65.84% of its industry peers.
BILL has a debt to FCF ratio of 6.01. This is a slightly negative value and a sign of low solvency as BILL would need 6.01 years to pay back of all of its debts.
BILL has a Debt to FCF ratio (6.01) which is in line with its industry peers.
BILL has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.47, BILL is not doing good in the industry: 63.70% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.75 |
ROIC/WACCN/A
WACC9.88%
2.3 Liquidity
A Current Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
With a Current ratio value of 1.67, BILL perfoms like the industry average, outperforming 51.96% of the companies in the same industry.
BILL has a Quick Ratio of 1.67. This is a normal value and indicates that BILL is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.67, BILL perfoms like the industry average, outperforming 53.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
BILL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.47%.
The Revenue has grown by 11.63% in the past year. This is quite good.
Measured over the past years, BILL shows a very strong growth in Revenue. The Revenue has been growing by 56.14% on average per year.
EPS 1Y (TTM)-9.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.17%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
3.2 Future
The Earnings Per Share is expected to grow by 19.93% on average over the next years. This is quite good.
Based on estimates for the next years, BILL will show a quite strong growth in Revenue. The Revenue will grow by 12.67% on average per year.
EPS Next Y-1.17%
EPS Next 2Y6.96%
EPS Next 3Y10.73%
EPS Next 5Y19.93%
Revenue Next Year10.85%
Revenue Next 2Y12.43%
Revenue Next 3Y13.21%
Revenue Next 5Y12.67%
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 24.31, the valuation of BILL can be described as rather expensive.
Based on the Price/Earnings ratio, BILL is valued a bit cheaper than 69.39% of the companies in the same industry.
When comparing the Price/Earnings ratio of BILL to the average of the S&P500 Index (26.41), we can say BILL is valued inline with the index average.
With a Price/Forward Earnings ratio of 21.06, BILL is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than 71.89% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, BILL is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.31 | ||
| Fwd PE | 21.06 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BILL is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, BILL is valued cheaply inside the industry as 82.21% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.26 | ||
| EV/EBITDA | 870.3 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.96%
EPS Next 3Y10.73%
5. Dividend
5.1 Amount
BILL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:BILL (12/5/2025, 3:35:52 PM)
53.485
+0.81 (+1.55%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners96.11%
Inst Owner Change19.35%
Ins Owners3.42%
Ins Owner Change-0.21%
Market Cap5.36B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target61.83 (15.6%)
Short Float %18.14%
Short Ratio5.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.61%
Min EPS beat(2)17.2%
Max EPS beat(2)28.01%
EPS beat(4)4
Avg EPS beat(4)23.7%
Min EPS beat(4)17.2%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)25.33%
EPS beat(12)12
Avg EPS beat(12)46.79%
EPS beat(16)16
Avg EPS beat(16)57.85%
Revenue beat(2)0
Avg Revenue beat(2)-0.44%
Min Revenue beat(2)-0.79%
Max Revenue beat(2)-0.09%
Revenue beat(4)0
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)-0.09%
Revenue beat(8)4
Avg Revenue beat(8)1.03%
Revenue beat(12)8
Avg Revenue beat(12)2.04%
Revenue beat(16)12
Avg Revenue beat(16)3.71%
PT rev (1m)2.88%
PT rev (3m)0.78%
EPS NQ rev (1m)1.47%
EPS NQ rev (3m)-0.81%
EPS NY rev (1m)0.77%
EPS NY rev (3m)-1.24%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)-0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.31 | ||
| Fwd PE | 21.06 | ||
| P/S | 3.57 | ||
| P/FCF | 17.26 | ||
| P/OCF | 14.93 | ||
| P/B | 1.38 | ||
| P/tB | 4.19 | ||
| EV/EBITDA | 870.3 |
EPS(TTM)2.2
EY4.11%
EPS(NY)2.54
Fwd EY4.75%
FCF(TTM)3.1
FCFY5.79%
OCF(TTM)3.58
OCFY6.7%
SpS14.97
BVpS38.77
TBVpS12.77
PEG (NY)N/A
PEG (5Y)N/A
Graham Number43.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 0.8% | ||
| GM | 81.04% | ||
| FCFM | 20.69% |
ROA(3y)-0.8%
ROA(5y)-1.52%
ROE(3y)-1.86%
ROE(5y)-3.51%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5%
GM growth 5Y1.61%
F-Score6
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Debt/EBITDA | 441.63 | ||
| Cap/Depr | 54.58% | ||
| Cap/Sales | 3.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 8650.69% | ||
| Profit Quality | 2602.88% | ||
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 | ||
| Altman-Z | 0.75 |
F-Score6
WACC9.88%
ROIC/WACCN/A
Cap/Depr(3y)32.89%
Cap/Depr(5y)61.93%
Cap/Sales(3y)2.46%
Cap/Sales(5y)3.74%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-9.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.17%
EPS Next Y-1.17%
EPS Next 2Y6.96%
EPS Next 3Y10.73%
EPS Next 5Y19.93%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
Revenue Next Year10.85%
Revenue Next 2Y12.43%
Revenue Next 3Y13.21%
Revenue Next 5Y12.67%
EBIT growth 1Y13.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.34%
EBIT Next 3Y20.94%
EBIT Next 5Y37.8%
FCF growth 1Y61.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y60.75%
OCF growth 3YN/A
OCF growth 5YN/A
BILL HOLDINGS INC / BILL FAQ
What is the ChartMill fundamental rating of BILL HOLDINGS INC (BILL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BILL.
What is the valuation status of BILL HOLDINGS INC (BILL) stock?
ChartMill assigns a valuation rating of 4 / 10 to BILL HOLDINGS INC (BILL). This can be considered as Fairly Valued.
Can you provide the profitability details for BILL HOLDINGS INC?
BILL HOLDINGS INC (BILL) has a profitability rating of 4 / 10.
How financially healthy is BILL HOLDINGS INC?
The financial health rating of BILL HOLDINGS INC (BILL) is 3 / 10.
What is the expected EPS growth for BILL HOLDINGS INC (BILL) stock?
The Earnings per Share (EPS) of BILL HOLDINGS INC (BILL) is expected to decline by -1.17% in the next year.