BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BILL - US0900431000 - Common Stock
54.48 USD
-0.07 (-0.13%)
54.35 USD
-0.13 (-0.24%)
Taking everything into account, BILL scores 3 out of 10 in our fundamental rating. BILL was compared to 276 industry peers in the Software industry. BILL has a bad profitability rating. Also its financial health evaluation is rather negative. 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
Looking at the Return On Assets, with a value of 0.12%, BILL is in line with its industry, outperforming 56.16% of the companies in the same industry.
BILL has a Return On Equity (0.31%) which is comparable to the rest of the 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 of 0.80%. This is comparable to the rest of the industry: BILL outperforms 57.97% of its industry peers.
Looking at the Gross Margin, with a value of 81.04%, BILL belongs to the top of the industry, outperforming 84.78% 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.
Compared to 1 year ago, BILL has less shares outstanding
Compared to 5 years ago, BILL has more shares outstanding
The debt/assets ratio for BILL is higher compared to a year ago.
2.2 Solvency
BILL has an Altman-Z score of 0.77. 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 (0.77) is worse than 66.30% 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.
A Debt/Equity ratio of 0.47 indicates that BILL is not too dependend on debt financing.
BILL's Debt to Equity ratio of 0.47 is on the low side compared to the rest of the industry. BILL is outperformed by 64.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.77 |
ROIC/WACCN/A
WACC10.08%
2.3 Liquidity
BILL has a Current 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.
BILL has a Current ratio (1.67) which is in line with its industry peers.
A Quick Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
The Quick ratio of BILL (1.67) is comparable to the rest of the 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%.
Looking at the last year, BILL shows a quite strong growth in Revenue. The Revenue has grown by 11.63% in the last year.
The Revenue has been growing by 56.14% on average over the past years. This is a very strong growth!
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 24.76, the valuation of BILL can be described as rather expensive.
Based on the Price/Earnings ratio, BILL is valued a bit cheaper than the industry average as 68.48% of the companies are valued more expensively.
BILL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 21.19, the valuation of BILL can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 72.83% of the companies listed in the same industry.
BILL is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | 21.19 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as BILL.
81.88% of the companies in the same industry are more expensive than BILL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.58 | ||
| EV/EBITDA | 914 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
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 | 0% |
54.48
-0.07 (-0.13%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners105.07%
Inst Owner Change0.73%
Ins Owners11.86%
Ins Owner Change8.83%
Market Cap5.46B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target62.41 (14.56%)
Short Float %16.3%
Short Ratio5.36
Dividend
| Industry Rank | Sector 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)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%
PT rev (3m)3.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.82%
EPS NY rev (1m)0%
EPS NY rev (3m)3.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.24%
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 | 914 |
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 | 0.77 |
F-Score6
WACC10.08%
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 for 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.
What is the valuation of BILL HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BILL HOLDINGS INC (BILL) is 24.76 and the Price/Book (PB) ratio is 1.41.
Can you provide the expected EPS growth for BILL stock?
The Earnings per Share (EPS) of BILL HOLDINGS INC (BILL) is expected to grow by 1.93% in the next year.