Logo image of BILL

BILL HOLDINGS INC (BILL) Stock Fundamental Analysis

NYSE:BILL - New York Stock Exchange, Inc. - US0900431000 - Common Stock - Currency: USD

43.97  +0.1 (+0.23%)

Premarket: 42.9903 -0.98 (-2.23%)

Fundamental Rating

4

Taking everything into account, BILL scores 4 out of 10 in our fundamental rating. BILL was compared to 284 industry peers in the Software industry. BILL has a medium profitability rating, but doesn't score so well on its financial health evaluation. BILL has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year BILL was profitable.
In the past year BILL had a positive cash flow from operations.
In the past 5 years BILL always reported negative net income.
In multiple years BILL reported negative operating cash flow during the last 5 years.
BILL Yearly Net Income VS EBIT VS OCF VS FCFBILL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 200M -200M

1.2 Ratios

BILL has a Return On Assets of 0.40%. This is in the better half of the industry: BILL outperforms 65.85% of its industry peers.
Looking at the Return On Equity, with a value of 0.99%, BILL is in the better half of the industry, outperforming 67.96% of the companies in the same industry.
Industry RankSector Rank
ROA 0.4%
ROE 0.99%
ROIC N/A
ROA(3y)-2.05%
ROA(5y)-1.82%
ROE(3y)-4.75%
ROE(5y)-4.5%
ROIC(3y)N/A
ROIC(5y)N/A
BILL Yearly ROA, ROE, ROICBILL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 -2 -4 -6 -8

1.3 Margins

Looking at the Profit Margin, with a value of 2.70%, BILL is in the better half of the industry, outperforming 69.37% of the companies in the same industry.
The Gross Margin of BILL (81.47%) is better than 85.56% of its industry peers.
In the last couple of years the Gross Margin of BILL has grown nicely.
Industry RankSector Rank
OM N/A
PM (TTM) 2.7%
GM 81.47%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.38%
GM growth 5Y2.48%
BILL Yearly Profit, Operating, Gross MarginsBILL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

More info and screens

3

2. Health

2.1 Basic Checks

BILL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BILL has less shares outstanding
The number of shares outstanding for BILL has been increased compared to 5 years ago.
BILL has a better debt/assets ratio than last year.
BILL Yearly Shares OutstandingBILL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BILL Yearly Total Debt VS Total AssetsBILL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

BILL has an Altman-Z score of 0.73. This is a bad value and indicates that BILL is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of BILL (0.73) is worse than 65.14% of its industry peers.
The Debt to FCF ratio of BILL is 5.45, which is a neutral value as it means it would take BILL, 5.45 years of fcf income to pay off all of its debts.
BILL's Debt to FCF ratio of 5.45 is in line compared to the rest of the industry. BILL outperforms 58.10% of its industry peers.
A Debt/Equity ratio of 0.43 indicates that BILL is not too dependend on debt financing.
The Debt to Equity ratio of BILL (0.43) is worse than 62.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 5.45
Altman-Z 0.73
ROIC/WACCN/A
WACC9.97%
BILL Yearly LT Debt VS Equity VS FCFBILL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

2.3 Liquidity

A Current Ratio of 1.69 indicates that BILL should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.69, BILL is in line with its industry, outperforming 52.82% of the companies in the same industry.
A Quick Ratio of 1.69 indicates that BILL should not have too much problems paying its short term obligations.
BILL has a Quick ratio (1.69) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 1.69
BILL Yearly Current Assets VS Current LiabilitesBILL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

More info and screens

5

3. Growth

3.1 Past

The earnings per share for BILL have decreased by -4.24% in the last year.
BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.52%.
BILL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 64.12% yearly.
EPS 1Y (TTM)-4.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-16.67%
Revenue 1Y (TTM)14.52%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%10.89%

3.2 Future

Based on estimates for the next years, BILL will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.17% on average per year.
Based on estimates for the next years, BILL will show a quite strong growth in Revenue. The Revenue will grow by 14.59% on average per year.
EPS Next Y-10.76%
EPS Next 2Y-3.36%
EPS Next 3Y4.63%
EPS Next 5Y14.17%
Revenue Next Year14.07%
Revenue Next 2Y13.23%
Revenue Next 3Y14.21%
Revenue Next 5Y14.59%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
BILL Yearly Revenue VS EstimatesBILL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B 2.5B
BILL Yearly EPS VS EstimatesBILL Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 2 3 4 5

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 19.46, which indicates a rather expensive current valuation of BILL.
Compared to the rest of the industry, the Price/Earnings ratio of BILL indicates a rather cheap valuation: BILL is cheaper than 80.63% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, BILL is valued a bit cheaper.
BILL is valuated rather expensively with a Price/Forward Earnings ratio of 20.12.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 75.00% of the companies listed in the same industry.
BILL's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.39.
Industry RankSector Rank
PE 19.46
Fwd PE 20.12
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as BILL.
90.14% of the companies in the same industry are more expensive than BILL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.41
EV/EBITDA 220.22
BILL Per share dataBILL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.36%
EPS Next 3Y4.63%

More info and screens

0

5. Dividend

5.1 Amount

BILL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

BILL HOLDINGS INC

NYSE:BILL (6/12/2025, 8:04:00 PM)

Premarket: 42.9903 -0.98 (-2.23%)

43.97

+0.1 (+0.23%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-20 2025-08-20/amc
Inst Owners94.28%
Inst Owner Change-2.9%
Ins Owners3.27%
Ins Owner Change9.99%
Market Cap4.53B
Analysts77.42
Price Target64.69 (47.12%)
Short Float %8.38%
Short Ratio3.72
Dividend
Industry RankSector 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)24.8%
Min EPS beat(2)19.52%
Max EPS beat(2)30.07%
EPS beat(4)4
Avg EPS beat(4)23.15%
Min EPS beat(4)19.52%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)25.57%
EPS beat(12)12
Avg EPS beat(12)60.87%
EPS beat(16)15
Avg EPS beat(16)52.54%
Revenue beat(2)0
Avg Revenue beat(2)-1.31%
Min Revenue beat(2)-1.33%
Max Revenue beat(2)-1.29%
Revenue beat(4)2
Avg Revenue beat(4)0.23%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)2.79%
Revenue beat(8)6
Avg Revenue beat(8)1.56%
Revenue beat(12)10
Avg Revenue beat(12)3.3%
Revenue beat(16)14
Avg Revenue beat(16)5.91%
PT rev (1m)-16.27%
PT rev (3m)-27.11%
EPS NQ rev (1m)4.31%
EPS NQ rev (3m)4.91%
EPS NY rev (1m)4.82%
EPS NY rev (3m)6.05%
Revenue NQ rev (1m)-2.27%
Revenue NQ rev (3m)-2.32%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.67%
Valuation
Industry RankSector Rank
PE 19.46
Fwd PE 20.12
P/S 3.18
P/FCF 14.41
P/OCF 13.11
P/B 1.17
P/tB 3.67
EV/EBITDA 220.22
EPS(TTM)2.26
EY5.14%
EPS(NY)2.19
Fwd EY4.97%
FCF(TTM)3.05
FCFY6.94%
OCF(TTM)3.35
OCFY7.63%
SpS13.81
BVpS37.57
TBVpS12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 0.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.7%
GM 81.47%
FCFM 22.09%
ROA(3y)-2.05%
ROA(5y)-1.82%
ROE(3y)-4.75%
ROE(5y)-4.5%
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
ROICexcg growth 3YN/A
ROICexcg 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 3Y3.38%
GM growth 5Y2.48%
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 5.45
Debt/EBITDA 125.61
Cap/Depr 33.31%
Cap/Sales 2.19%
Interest Coverage N/A
Cash Conversion 2583.18%
Profit Quality 817.03%
Current Ratio 1.69
Quick Ratio 1.69
Altman-Z 0.73
F-Score7
WACC9.97%
ROIC/WACCN/A
Cap/Depr(3y)23.74%
Cap/Depr(5y)109.51%
Cap/Sales(3y)2.33%
Cap/Sales(5y)4.71%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-16.67%
EPS Next Y-10.76%
EPS Next 2Y-3.36%
EPS Next 3Y4.63%
EPS Next 5Y14.17%
Revenue 1Y (TTM)14.52%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%10.89%
Revenue Next Year14.07%
Revenue Next 2Y13.23%
Revenue Next 3Y14.21%
Revenue Next 5Y14.59%
EBIT growth 1Y51.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year38.14%
EBIT Next 3Y28.74%
EBIT Next 5Y38.78%
FCF growth 1Y357.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y256.36%
OCF growth 3Y292.14%
OCF growth 5YN/A