BILL HOLDINGS INC (BILL) Fundamental Analysis & Valuation

NYSE:BILL • US0900431000

Current stock price

38.63 USD
+0.19 (+0.49%)
At close:
38.63 USD
0 (0%)
After Hours:

This BILL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BILL Profitability Analysis

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 reported 4 times negative net income.
  • BILL had a positive operating cash flow in 4 of the past 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 2025 0 200M -200M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -0.24%, BILL is in line with its industry, outperforming 56.00% of the companies in the same industry.
  • BILL has a Return On Equity of -0.64%. This is comparable to the rest of the industry: BILL outperforms 58.91% of its industry peers.
Industry RankSector Rank
ROA -0.24%
ROE -0.64%
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
BILL Yearly ROA, ROE, ROICBILL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -2 -4 -6 -8

1.3 Margins

  • BILL's Gross Margin of 80.58% is amongst the best of the industry. BILL outperforms 83.27% of its industry peers.
  • BILL's Gross Margin has improved in the last couple of years.
  • BILL does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 80.58%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5%
GM growth 5Y1.61%
BILL Yearly Profit, Operating, Gross MarginsBILL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. BILL Health Analysis

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
  • BILL has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for BILL is higher compared to a year ago.
BILL Yearly Shares OutstandingBILL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.59, we must say that BILL is in the distress zone and has some risk of bankruptcy.
  • BILL's Altman-Z score of 0.59 is on the low side compared to the rest of the industry. BILL is outperformed by 65.82% of its industry peers.
  • BILL has a debt to FCF ratio of 5.52. This is a neutral value as BILL would need 5.52 years to pay back of all of its debts.
  • BILL has a Debt to FCF ratio of 5.52. This is comparable to the rest of the industry: BILL outperforms 54.55% of its industry peers.
  • A Debt/Equity ratio of 0.48 indicates that BILL is not too dependend on debt financing.
  • BILL has a Debt to Equity ratio of 0.48. This is in the lower half of the industry: BILL underperforms 65.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 5.52
Altman-Z 0.59
ROIC/WACCN/A
WACC9.73%
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 2025 0 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 1.65 indicates that BILL should not have too much problems paying its short term obligations.
  • BILL has a Current ratio (1.65) which is comparable to the rest of the industry.
  • A Quick Ratio of 1.65 indicates that BILL should not have too much problems paying its short term obligations.
  • BILL's Quick ratio of 1.65 is in line compared to the rest of the industry. BILL outperforms 51.27% of its industry peers.
Industry RankSector Rank
Current Ratio 1.65
Quick Ratio 1.65
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 2025 2B 4B 6B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BILL Growth Analysis

3.1 Past

  • The earnings per share for BILL have decreased by -3.39% in the last year.
  • Looking at the last year, BILL shows a quite strong growth in Revenue. The Revenue has grown by 11.84% in the last year.
  • BILL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 56.14% yearly.
EPS 1Y (TTM)-3.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%14.29%
Revenue 1Y (TTM)11.84%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%14.37%

3.2 Future

  • BILL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.69% yearly.
  • BILL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.60% yearly.
EPS Next Y9.69%
EPS Next 2Y10.91%
EPS Next 3Y13.03%
EPS Next 5Y23.69%
Revenue Next Year12.53%
Revenue Next 2Y12.88%
Revenue Next 3Y13.73%
Revenue Next 5Y16.6%

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.
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 1B 2B 3B
BILL Yearly EPS VS EstimatesBILL Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

5

4. BILL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.94, which indicates a correct valuation of BILL.
  • Compared to the rest of the industry, the Price/Earnings ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 74.91% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, BILL is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 14.14, the valuation of BILL can be described as correct.
  • Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than the industry average as 76.73% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. BILL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.94
Fwd PE 14.14
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as BILL.
  • Based on the Price/Free Cash Flow ratio, BILL is valued cheaply inside the industry as 86.91% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.5
EV/EBITDA 105.34
BILL Per share dataBILL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • BILL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as BILL's earnings are expected to grow with 13.03% in the coming years.
PEG (NY)1.75
PEG (5Y)N/A
EPS Next 2Y10.91%
EPS Next 3Y13.03%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BILL Dividend Analysis

5.1 Amount

  • BILL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BILL Fundamentals: All Metrics, Ratios and Statistics

BILL HOLDINGS INC

NYSE:BILL (4/2/2026, 8:09:51 PM)

After market: 38.63 0 (0%)

38.63

+0.19 (+0.49%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-05
Earnings (Next)05-06
Inst Owners111.78%
Inst Owner Change1.12%
Ins Owners12%
Ins Owner Change15.71%
Market Cap3.82B
Revenue(TTM)1.55B
Net Income(TTM)-24.21M
Analysts78.06
Price Target58.86 (52.37%)
Short Float %12.57%
Short Ratio3.65
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)14.92%
Min EPS beat(2)12.65%
Max EPS beat(2)17.2%
EPS beat(4)4
Avg EPS beat(4)21.98%
Min EPS beat(4)12.65%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)20.17%
EPS beat(12)12
Avg EPS beat(12)30.61%
EPS beat(16)16
Avg EPS beat(16)52.39%
Revenue beat(2)1
Avg Revenue beat(2)0.63%
Min Revenue beat(2)-0.79%
Max Revenue beat(2)2.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.03%
Min Revenue beat(4)-1.29%
Max Revenue beat(4)2.05%
Revenue beat(8)4
Avg Revenue beat(8)0.69%
Revenue beat(12)8
Avg Revenue beat(12)1.82%
Revenue beat(16)12
Avg Revenue beat(16)2.77%
PT rev (1m)0%
PT rev (3m)-5.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.75%
EPS NY rev (1m)7.35%
EPS NY rev (3m)7.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.98%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.89%
Valuation
Industry RankSector Rank
PE 16.94
Fwd PE 14.14
P/S 2.46
P/FCF 11.5
P/OCF 9.92
P/B 1
P/tB 3.14
EV/EBITDA 105.34
EPS(TTM)2.28
EY5.9%
EPS(NY)2.73
Fwd EY7.07%
FCF(TTM)3.36
FCFY8.7%
OCF(TTM)3.9
OCFY10.08%
SpS15.68
BVpS38.47
TBVpS12.31
PEG (NY)1.75
PEG (5Y)N/A
Graham Number44.42
Profitability
Industry RankSector Rank
ROA -0.24%
ROE -0.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 80.58%
FCFM 21.42%
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-Score4
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 5.52
Debt/EBITDA 85.17
Cap/Depr 51.96%
Cap/Sales 3.42%
Interest Coverage N/A
Cash Conversion 1790.69%
Profit Quality N/A
Current Ratio 1.65
Quick Ratio 1.65
Altman-Z 0.59
F-Score4
WACC9.73%
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)-3.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%14.29%
EPS Next Y9.69%
EPS Next 2Y10.91%
EPS Next 3Y13.03%
EPS Next 5Y23.69%
Revenue 1Y (TTM)11.84%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%14.37%
Revenue Next Year12.53%
Revenue Next 2Y12.88%
Revenue Next 3Y13.73%
Revenue Next 5Y16.6%
EBIT growth 1Y-5.15%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year31.02%
EBIT Next 3Y26.29%
EBIT Next 5Y37.8%
FCF growth 1Y52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y55.62%
OCF growth 3YN/A
OCF growth 5YN/A

BILL HOLDINGS INC / BILL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BILL HOLDINGS INC (BILL) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BILL.


Can you provide the valuation status for BILL HOLDINGS INC?

ChartMill assigns a valuation rating of 5 / 10 to BILL HOLDINGS INC (BILL). This can be considered as Fairly Valued.


What is the profitability of BILL stock?

BILL HOLDINGS INC (BILL) has a profitability rating of 3 / 10.


How financially healthy is BILL HOLDINGS INC?

The financial health rating of BILL HOLDINGS INC (BILL) is 3 / 10.