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BILL HOLDINGS INC (BILL) Stock Fundamental Analysis

NYSE:BILL - New York Stock Exchange, Inc. - US0900431000 - Common Stock - Currency: USD

44.59  -2.12 (-4.54%)

After market: 44.8 +0.21 (+0.47%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 283 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

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 each of the past 5 years.
In multiple years BILL reported negative operating cash flow during the last 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 0 200M -200M

1.2 Ratios

BILL has a better Return On Assets (0.40%) than 66.08% of its industry peers.
The Return On Equity of BILL (0.99%) is better than 67.84% of its industry peers.
Industry RankSector Rank
ROA 0.4%
ROE 0.99%
ROIC N/A
ROA(3y)-2.05%
ROA(5y)-1.82%
ROE(3y)-4.75%
ROE(5y)-4.5%
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 -2 -4 -6 -8

1.3 Margins

The Profit Margin of BILL (2.70%) is better than 68.55% of its industry peers.
The Gross Margin of BILL (81.47%) is better than 86.22% of its industry peers.
BILL's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 2.7%
GM 81.47%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.38%
GM growth 5Y2.48%
BILL Yearly Profit, Operating, Gross MarginsBILL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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3

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.
BILL has a better debt/assets ratio than last year.
BILL Yearly Shares OutstandingBILL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

Based on the Altman-Z score of 0.75, we must say that BILL is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of BILL (0.75) is worse than 66.08% of its industry peers.
The Debt to FCF ratio of BILL is 5.45, which is a neutral value as it means it would take BILL, 5.45 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BILL (5.45) is comparable to the rest of the 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 63.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 5.45
Altman-Z 0.75
ROIC/WACCN/A
WACC9.76%
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 0 1B 2B 3B 4B

2.3 Liquidity

A Current Ratio of 1.69 indicates that BILL should not have too much problems paying its short term obligations.
BILL has a Current ratio (1.69) which is in line with its industry peers.
A Quick Ratio of 1.69 indicates that BILL should not have too much problems paying its short term obligations.
BILL's Quick ratio of 1.69 is in line compared to the rest of the industry. BILL outperforms 52.30% of its industry peers.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 1.69
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 2B 4B 6B

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5

3. Growth

3.1 Past

BILL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.24%.
BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.52%.
Measured over the past years, BILL shows a very strong growth in Revenue. The Revenue has been growing by 64.12% on average per year.
EPS 1Y (TTM)-4.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-16.67%
Revenue 1Y (TTM)14.52%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%10.89%

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 14.17% on average per year.
The Revenue is expected to grow by 14.59% on average over the next years. This is quite good.
EPS Next Y-10.76%
EPS Next 2Y-3.36%
EPS Next 3Y4.63%
EPS Next 5Y14.17%
Revenue Next Year14.14%
Revenue Next 2Y13.53%
Revenue Next 3Y14.79%
Revenue Next 5Y14.59%

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.
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 500M 1B 1.5B 2B 2.5B
BILL Yearly EPS VS EstimatesBILL Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 19.73 indicates a rather expensive valuation of BILL.
Based on the Price/Earnings ratio, BILL is valued a bit cheaper than the industry average as 76.68% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BILL to the average of the S&P500 Index (26.03), we can say BILL is valued slightly cheaper.
A Price/Forward Earnings ratio of 20.41 indicates a rather expensive valuation of BILL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 73.85% of the companies listed in the same industry.
BILL's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.94.
Industry RankSector Rank
PE 19.73
Fwd PE 20.41
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

BILL's Enterprise Value to EBITDA is on the same level as the industry average.
89.05% of the companies in the same industry are more expensive than BILL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.46
EV/EBITDA 237.56
BILL Per share dataBILL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.36%
EPS Next 3Y4.63%

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0

5. Dividend

5.1 Amount

No dividends for BILL!.
Industry RankSector Rank
Dividend Yield N/A

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BILL HOLDINGS INC

NYSE:BILL (5/21/2025, 5:05:00 PM)

After market: 44.8 +0.21 (+0.47%)

44.59

-2.12 (-4.54%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-20 2025-08-20/amc
Inst Owners94.28%
Inst Owner Change-4.26%
Ins Owners3.27%
Ins Owner Change14.66%
Market Cap4.55B
Analysts77.5
Price Target74.22 (66.45%)
Short Float %7.82%
Short Ratio2.93
Dividend
Industry RankSector 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)24.8%
Min EPS beat(2)19.52%
Max EPS beat(2)30.07%
EPS beat(4)4
Avg EPS beat(4)23.15%
Min EPS beat(4)19.52%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)25.57%
EPS beat(12)12
Avg EPS beat(12)60.87%
EPS beat(16)15
Avg EPS beat(16)52.54%
Revenue beat(2)0
Avg Revenue beat(2)-1.31%
Min Revenue beat(2)-1.33%
Max Revenue beat(2)-1.29%
Revenue beat(4)2
Avg Revenue beat(4)0.23%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)2.79%
Revenue beat(8)6
Avg Revenue beat(8)1.56%
Revenue beat(12)10
Avg Revenue beat(12)3.3%
Revenue beat(16)14
Avg Revenue beat(16)5.91%
PT rev (1m)-14.75%
PT rev (3m)-23.17%
EPS NQ rev (1m)2.11%
EPS NQ rev (3m)3.9%
EPS NY rev (1m)4.82%
EPS NY rev (3m)6.47%
Revenue NQ rev (1m)-1.89%
Revenue NQ rev (3m)-1.84%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 19.73
Fwd PE 20.41
P/S 3.19
P/FCF 14.46
P/OCF 13.16
P/B 1.17
P/tB 3.68
EV/EBITDA 237.56
EPS(TTM)2.26
EY5.07%
EPS(NY)2.19
Fwd EY4.9%
FCF(TTM)3.08
FCFY6.91%
OCF(TTM)3.39
OCFY7.6%
SpS13.96
BVpS37.96
TBVpS12.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 0.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.7%
GM 81.47%
FCFM 22.09%
ROA(3y)-2.05%
ROA(5y)-1.82%
ROE(3y)-4.75%
ROE(5y)-4.5%
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 3Y3.38%
GM growth 5Y2.48%
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 5.45
Debt/EBITDA 125.61
Cap/Depr 33.31%
Cap/Sales 2.19%
Interest Coverage N/A
Cash Conversion 2583.18%
Profit Quality 817.03%
Current Ratio 1.69
Quick Ratio 1.69
Altman-Z 0.75
F-Score7
WACC9.76%
ROIC/WACCN/A
Cap/Depr(3y)23.74%
Cap/Depr(5y)109.51%
Cap/Sales(3y)2.33%
Cap/Sales(5y)4.71%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-16.67%
EPS Next Y-10.76%
EPS Next 2Y-3.36%
EPS Next 3Y4.63%
EPS Next 5Y14.17%
Revenue 1Y (TTM)14.52%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%10.89%
Revenue Next Year14.14%
Revenue Next 2Y13.53%
Revenue Next 3Y14.79%
Revenue Next 5Y14.59%
EBIT growth 1Y51.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year30.24%
EBIT Next 3Y30.42%
EBIT Next 5Y38.78%
FCF growth 1Y357.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y256.36%
OCF growth 3Y292.14%
OCF growth 5YN/A