BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BILL - US0900431000 - Common Stock
54.48 USD
+1.03 (+1.93%)
54.48 USD
0 (0%)
Taking everything into account, BILL scores 3 out of 10 in our fundamental rating. BILL was compared to 280 industry peers in the Software industry. BILL has a bad profitability rating. Also its financial health evaluation is rather negative. BILL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year BILL was profitable.
BILL had a positive operating cash flow in the past year.
In the past 5 years BILL reported 4 times negative net income.
Of the past 5 years BILL 4 years had a positive operating cash flow.
1.2 Ratios
BILL has a Return On Assets of 0.12%. This is comparable to the rest of the industry: BILL outperforms 57.50% of its industry peers.
With a decent Return On Equity value of 0.31%, BILL is doing good in the industry, outperforming 60.71% 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
BILL has a Profit Margin (0.80%) which is in line with its industry peers.
The Gross Margin of BILL (81.04%) is better than 85.00% of its industry peers.
In the last couple of years the Gross Margin of BILL has grown nicely.
| 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.
BILL has less shares outstanding than it did 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
Based on the Altman-Z score of 0.76, we must say that BILL is in the distress zone and has some risk of bankruptcy.
BILL's Altman-Z score of 0.76 is on the low side compared to the rest of the industry. BILL is outperformed by 65.00% of its industry peers.
The Debt to FCF ratio of BILL is 6.01, which is on the high side as it means it would take BILL, 6.01 years of fcf income to pay off all of its debts.
BILL's Debt to FCF ratio of 6.01 is in line compared to the rest of the industry. BILL outperforms 55.71% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that BILL is not too dependend on debt financing.
BILL has a Debt to Equity ratio of 0.47. This is in the lower half of the industry: BILL underperforms 63.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.76 |
ROIC/WACCN/A
WACC9.98%
2.3 Liquidity
A Current Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
The Current ratio of BILL (1.67) is comparable to the rest of the 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.
Looking at the Quick ratio, with a value of 1.67, BILL is in line with its industry, outperforming 52.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
The earnings per share for BILL have decreased by -9.47% in the last year.
BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.63%.
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
BILL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.93% yearly.
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 Y1.93%
EPS Next 2Y7.63%
EPS Next 3Y10.63%
EPS Next 5Y19.93%
Revenue Next Year10.44%
Revenue Next 2Y11.86%
Revenue Next 3Y13.12%
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
A Price/Earnings ratio of 24.76 indicates a rather expensive 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 69.64% of the companies listed in the same industry.
BILL's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.34.
With a Price/Forward Earnings ratio of 21.19, BILL is valued on the expensive side.
71.79% of the companies in the same industry are more expensive than BILL, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BILL to the average of the S&P500 Index (23.56), we can say BILL is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | 21.19 |
4.2 Price Multiples
BILL's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, BILL is valued cheaper than 82.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.58 | ||
| EV/EBITDA | 889.13 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BILL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.82
PEG (5Y)N/A
EPS Next 2Y7.63%
EPS Next 3Y10.63%
5. Dividend
5.1 Amount
BILL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
54.48
+1.03 (+1.93%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners105.03%
Inst Owner Change19.35%
Ins Owners11.81%
Ins Owner Change6.64%
Market Cap5.46B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target61.79 (13.42%)
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)-1.23%
PT rev (3m)5.29%
EPS NQ rev (1m)0.93%
EPS NQ rev (3m)2.05%
EPS NY rev (1m)3.14%
EPS NY rev (3m)1.86%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | 21.19 | ||
| P/S | 3.64 | ||
| P/FCF | 17.58 | ||
| P/OCF | 15.2 | ||
| P/B | 1.41 | ||
| P/tB | 4.27 | ||
| EV/EBITDA | 889.13 |
EPS(TTM)2.2
EY4.04%
EPS(NY)2.57
Fwd EY4.72%
FCF(TTM)3.1
FCFY5.69%
OCF(TTM)3.58
OCFY6.58%
SpS14.97
BVpS38.77
TBVpS12.77
PEG (NY)12.82
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 | 0.76 |
F-Score6
WACC9.98%
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 Y1.93%
EPS Next 2Y7.63%
EPS Next 3Y10.63%
EPS Next 5Y19.93%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
Revenue Next Year10.44%
Revenue Next 2Y11.86%
Revenue Next 3Y13.12%
Revenue Next 5Y12.67%
EBIT growth 1Y13.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year24.89%
EBIT Next 3Y24.86%
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 3 / 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 3 / 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 grow by 1.93% in the next year.