Logo image of BILL

BILL HOLDINGS INC (BILL) Stock Fundamental Analysis

NYSE:BILL - US0900431000 - Common Stock

50.92 USD
+0.08 (+0.16%)
Last: 9/9/2025, 6:49:36 PM
54.3595 USD
+3.44 (+6.75%)
After Hours: 9/9/2025, 6:49:36 PM
Fundamental Rating

4

BILL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 280 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.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

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.
In the past 5 years BILL reported 4 times negative net income.
BILL had a positive operating cash flow in 4 of the past 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 2025 0 200M -200M

1.2 Ratios

BILL has a Return On Assets of 0.24%. This is in the better half of the industry: BILL outperforms 61.07% of its industry peers.
BILL has a better Return On Equity (0.61%) than 63.57% of its industry peers.
Industry RankSector 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
BILL Yearly ROA, ROE, ROICBILL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -2 -4 -6 -8

1.3 Margins

BILL has a better Profit Margin (1.63%) than 64.29% of its industry peers.
With an excellent Gross Margin value of 81.40%, BILL belongs to the best of the industry, outperforming 85.36% of the companies in the same industry.
BILL's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
BILL Yearly Profit, Operating, Gross MarginsBILL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60 80

More info and screens

3

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.
BILL Yearly Shares OutstandingBILL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

BILL has an Altman-Z score of 0.74. This is a bad value and indicates that BILL is not financially healthy and even 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 66.43% 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.
With a Debt to FCF ratio value of 5.54, BILL perfoms like the industry average, outperforming 57.14% 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.
With a Debt to Equity ratio value of 0.43, BILL is not doing good in the industry: 63.21% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 5.54
Altman-Z 0.74
ROIC/WACCN/A
WACC10.19%
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 2025 0 1B 2B 3B 4B

2.3 Liquidity

A Current Ratio of 1.58 indicates that BILL should not have too much problems paying its short term obligations.
BILL's Current ratio of 1.58 is in line compared to the rest of the industry. BILL outperforms 51.43% of its industry peers.
A Quick Ratio of 1.58 indicates that BILL should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.58, BILL perfoms like the industry average, outperforming 51.43% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.58
Quick Ratio 1.58
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 2025 2B 4B 6B

More info and screens

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 -5.13%.
The Revenue has grown by 13.36% in the past year. This is quite good.
The Revenue has been growing by 56.14% on average over the past years. This is a very strong growth!
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

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.
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 Y0.07%
EPS Next 2Y9.89%
EPS Next 3Y9.19%
EPS Next 5Y19.93%
Revenue Next Year11.86%
Revenue Next 2Y14.4%
Revenue Next 3Y13.4%
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.
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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 22.94, 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 72.14% of the companies are valued more expensively.
BILL's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.07.
BILL is valuated rather expensively with a Price/Forward Earnings ratio of 22.92.
BILL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 71.43% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.59. BILL is around the same levels.
Industry RankSector Rank
PE 22.94
Fwd PE 22.92
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

BILL's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, BILL is valued cheaply inside the industry as 86.79% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 16.94
EV/EBITDA 381.67
BILL Per share dataBILL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)326.41
PEG (5Y)N/A
EPS Next 2Y9.89%
EPS Next 3Y9.19%

More info and screens

0

5. Dividend

5.1 Amount

BILL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

BILL HOLDINGS INC

NYSE:BILL (9/9/2025, 6:49:36 PM)

After market: 54.3595 +3.44 (+6.75%)

50.92

+0.08 (+0.16%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-27 2025-08-27/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners91.8%
Inst Owner Change-6.98%
Ins Owners3.28%
Ins Owner Change4.56%
Market Cap5.25B
Analysts74.84
Price Target58.68 (15.24%)
Short Float %9.68%
Short Ratio2.99
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)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)-4.2%
PT rev (3m)-9.29%
EPS NQ rev (1m)-7.42%
EPS NQ rev (3m)-4.63%
EPS NY rev (1m)0.14%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)-1.36%
Revenue NQ rev (3m)-3.11%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)-0.48%
Valuation
Industry RankSector Rank
PE 22.94
Fwd PE 22.92
P/S 3.59
P/FCF 16.94
P/OCF 14.96
P/B 1.34
P/tB 4.05
EV/EBITDA 381.67
EPS(TTM)2.22
EY4.36%
EPS(NY)2.22
Fwd EY4.36%
FCF(TTM)3.01
FCFY5.9%
OCF(TTM)3.4
OCFY6.68%
SpS14.2
BVpS37.99
TBVpS12.57
PEG (NY)326.41
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC10.19%
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 Y0.07%
EPS Next 2Y9.89%
EPS Next 3Y9.19%
EPS Next 5Y19.93%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%11.55%
Revenue Next Year11.86%
Revenue Next 2Y14.4%
Revenue Next 3Y13.4%
Revenue Next 5Y12.67%
EBIT growth 1Y45.01%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year30.74%
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