BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - NYSE:BILL - US0900431000 - Common Stock
52.13 USD
-0.64 (-1.21%)
52.07 USD
-0.06 (-0.12%)
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 281 industry peers in the Software industry. BILL has a medium profitability rating, but doesn't score so well on its financial health evaluation. BILL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year BILL was profitable.
BILL had a positive operating cash flow in the past year.
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
The Return On Assets of BILL (0.24%) is better than 60.14% of its industry peers.
BILL's Return On Equity of 0.61% is fine compared to the rest of the industry. BILL outperforms 62.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.24% | ||
| ROE | 0.61% | ||
| 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's Profit Margin of 1.63% is fine compared to the rest of the industry. BILL outperforms 63.35% of its industry peers.
BILL has a better Gross Margin (81.40%) than 85.77% 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) | 1.63% | ||
| GM | 81.4% |
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.
The number of shares outstanding for BILL has been increased compared to 5 years ago.
Compared to 1 year ago, BILL has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.74, we must say that BILL is in the distress zone and has some risk of bankruptcy.
BILL has a Altman-Z score of 0.74. This is in the lower half of the industry: BILL underperforms 66.55% of its industry peers.
BILL has a debt to FCF ratio of 5.54. This is a neutral value as BILL would need 5.54 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.54, BILL is in line with its industry, outperforming 56.94% of the companies in the same industry.
BILL has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
BILL has a worse Debt to Equity ratio (0.43) than 62.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 5.54 | ||
| Altman-Z | 0.74 |
ROIC/WACCN/A
WACC10.3%
2.3 Liquidity
A Current Ratio of 1.58 indicates that BILL should not have too much problems paying its short term obligations.
BILL has a Current ratio of 1.58. This is comparable to the rest of the industry: BILL outperforms 51.25% of its industry peers.
A Quick Ratio of 1.58 indicates that BILL should not have too much problems paying its short term obligations.
BILL's Quick ratio of 1.58 is in line compared to the rest of the industry. BILL outperforms 51.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
The earnings per share for BILL have decreased by -5.13% in the last year.
BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.36%.
BILL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 56.14% yearly.
EPS 1Y (TTM)-5.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.02%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%11.55%
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 19.93% 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 12.67% on average per year.
EPS Next Y-1.82%
EPS Next 2Y6.24%
EPS Next 3Y13.96%
EPS Next 5Y19.93%
Revenue Next Year10.71%
Revenue Next 2Y12.25%
Revenue Next 3Y13.47%
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
BILL is valuated rather expensively with a Price/Earnings ratio of 23.48.
Based on the Price/Earnings ratio, BILL is valued a bit cheaper than the industry average as 73.31% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.91. BILL is around the same levels.
BILL is valuated rather expensively with a Price/Forward Earnings ratio of 23.92.
BILL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 69.75% of the companies in the same industry.
BILL is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.48 | ||
| Fwd PE | 23.92 |
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 83.99% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.11 | ||
| EV/EBITDA | 388.45 |
4.3 Compensation for Growth
A more expensive valuation may be justified as BILL's earnings are expected to grow with 13.96% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.24%
EPS Next 3Y13.96%
5. Dividend
5.1 Amount
BILL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
52.13
-0.64 (-1.21%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners96.11%
Inst Owner Change0%
Ins Owners3.42%
Ins Owner Change4.56%
Market Cap5.30B
Analysts76.77
Price Target60.1 (15.29%)
Short Float %13.54%
Short Ratio3.27
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)29.04%
Min EPS beat(2)28.01%
Max EPS beat(2)30.07%
EPS beat(4)4
Avg EPS beat(4)25.06%
Min EPS beat(4)19.52%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)23.94%
EPS beat(12)12
Avg EPS beat(12)56.68%
EPS beat(16)16
Avg EPS beat(16)58.54%
Revenue beat(2)0
Avg Revenue beat(2)-0.69%
Min Revenue beat(2)-1.29%
Max Revenue beat(2)-0.09%
Revenue beat(4)1
Avg Revenue beat(4)-0.49%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)0.73%
Revenue beat(8)5
Avg Revenue beat(8)1.17%
Revenue beat(12)9
Avg Revenue beat(12)2.69%
Revenue beat(16)13
Avg Revenue beat(16)4.44%
PT rev (1m)2.41%
PT rev (3m)-5.72%
EPS NQ rev (1m)0.68%
EPS NQ rev (3m)-6.37%
EPS NY rev (1m)-1.89%
EPS NY rev (3m)-1.75%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)-0.88%
Revenue NY rev (1m)-1.02%
Revenue NY rev (3m)-1.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.48 | ||
| Fwd PE | 23.92 | ||
| P/S | 3.62 | ||
| P/FCF | 17.11 | ||
| P/OCF | 15.11 | ||
| P/B | 1.35 | ||
| P/tB | 4.09 | ||
| EV/EBITDA | 388.45 |
EPS(TTM)2.22
EY4.26%
EPS(NY)2.18
Fwd EY4.18%
FCF(TTM)3.05
FCFY5.85%
OCF(TTM)3.45
OCFY6.62%
SpS14.39
BVpS38.51
TBVpS12.74
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.24% | ||
| ROE | 0.61% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 1.63% | ||
| GM | 81.4% | ||
| FCFM | 21.17% |
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
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 3Y5%
GM growth 5Y1.61%
F-Score7
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 5.54 | ||
| Debt/EBITDA | 190.16 | ||
| Cap/Depr | 45.81% | ||
| Cap/Sales | 2.8% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 3966.56% | ||
| Profit Quality | 1301.21% | ||
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 | ||
| Altman-Z | 0.74 |
F-Score7
WACC10.3%
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)-5.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.02%
EPS Next Y-1.82%
EPS Next 2Y6.24%
EPS Next 3Y13.96%
EPS Next 5Y19.93%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%11.55%
Revenue Next Year10.71%
Revenue Next 2Y12.25%
Revenue Next 3Y13.47%
Revenue Next 5Y12.67%
EBIT growth 1Y45.01%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.34%
EBIT Next 3Y21.49%
EBIT Next 5Y37.8%
FCF growth 1Y20.09%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y25.78%
OCF growth 3YN/A
OCF growth 5YN/A