BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - NYSE:BILL - US0900431000 - Common Stock
47.19 USD
+1.6 (+3.51%)
46.35 USD
-0.84 (-1.78%)
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 281 industry peers in the Software industry. There are concerns on the financial health of BILL while its profitability can be described as average. BILL has a correct valuation and a medium growth rate.
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.
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
BILL has a Return On Assets (0.12%) which is comparable to the rest of the industry.
BILL has a Return On Equity of 0.31%. This is in the better half of the industry: BILL outperforms 61.92% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 0.80%, BILL is in the better half of the industry, outperforming 61.92% of the companies in the same industry.
With an excellent Gross Margin value of 81.04%, BILL belongs to the best of the industry, outperforming 84.70% of the companies in the same industry.
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.
Compared to 1 year ago, BILL has less shares outstanding
BILL has more shares outstanding than it did 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 0.71, we must say that BILL is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.71, BILL is not doing good in the industry: 66.19% of the companies in the same industry are doing better.
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 has a Debt to FCF ratio of 6.01. This is comparable to the rest of the industry: BILL outperforms 56.23% of its industry peers.
BILL has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
BILL has a worse Debt to Equity ratio (0.47) than 62.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.71 |
ROIC/WACCN/A
WACC9.92%
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.
With a Current ratio value of 1.67, BILL perfoms like the industry average, outperforming 52.67% of the companies in the same industry.
A Quick Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
BILL has a Quick ratio (1.67) which 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%.
The Revenue has grown by 11.63% in the past year. This is quite good.
BILL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 56.14% yearly.
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
The Earnings Per Share is expected to grow by 19.93% on average over the next years. This is quite good.
BILL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.67% yearly.
EPS Next Y-1.17%
EPS Next 2Y6.96%
EPS Next 3Y14.03%
EPS Next 5Y19.93%
Revenue Next Year10.85%
Revenue Next 2Y12.43%
Revenue Next 3Y13.63%
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 21.45 indicates a rather expensive valuation of BILL.
BILL's Price/Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 72.95% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, BILL is valued at the same level.
With a Price/Forward Earnings ratio of 18.58, BILL is valued on the expensive side.
BILL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 76.16% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.61. BILL is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.45 | ||
| Fwd PE | 18.58 |
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 85.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.45 | ||
| EV/EBITDA | 754.73 |
4.3 Compensation for Growth
BILL's earnings are expected to grow with 14.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.96%
EPS Next 3Y14.03%
5. Dividend
5.1 Amount
No dividends for BILL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
47.19
+1.6 (+3.51%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners96.11%
Inst Owner Change-2.14%
Ins Owners3.42%
Ins Owner Change4.54%
Market Cap4.80B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target62.55 (32.55%)
Short Float %14.33%
Short Ratio3.36
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)4.09%
PT rev (3m)1.96%
EPS NQ rev (1m)1.87%
EPS NQ rev (3m)-2.63%
EPS NY rev (1m)0.66%
EPS NY rev (3m)-1.1%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-1.92%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)-1.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.45 | ||
| Fwd PE | 18.58 | ||
| P/S | 3.2 | ||
| P/FCF | 15.45 | ||
| P/OCF | 13.36 | ||
| P/B | 1.24 | ||
| P/tB | 3.75 | ||
| EV/EBITDA | 754.73 |
EPS(TTM)2.2
EY4.66%
EPS(NY)2.54
Fwd EY5.38%
FCF(TTM)3.05
FCFY6.47%
OCF(TTM)3.53
OCFY7.48%
SpS14.76
BVpS38.2
TBVpS12.58
PEG (NY)N/A
PEG (5Y)N/A
Graham Number43.49
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 | 0.71 |
F-Score6
WACC9.92%
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 Y-1.17%
EPS Next 2Y6.96%
EPS Next 3Y14.03%
EPS Next 5Y19.93%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
Revenue Next Year10.85%
Revenue Next 2Y12.43%
Revenue Next 3Y13.63%
Revenue Next 5Y12.67%
EBIT growth 1Y13.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.34%
EBIT Next 3Y21.49%
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 4 / 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 4 / 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 decline by -1.17% in the next year.