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BILL Holdings, Inc.NYSE:BILL Stock Report

Market Cap US$5.0b
Share Price
US$49.65
My Fair Value
US$80.88
38.6% undervalued intrinsic discount
1Y-12.4%
7D-2.8%
Portfolio Value
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BILL Holdings, Inc.

NYSE:BILL Stock Report

Market Cap: US$5.0b

BILL Holdings (BILL) Stock Overview

Provides financial operations platform for small and midsize businesses worldwide. More details

BILL fundamental analysis
Snowflake Score
Valuation5/6
Future Growth4/6
Past Performance2/6
Financial Health4/6
Dividends0/6

Rewards

Trading at 45.6% below our estimate of its fair value

Earnings are forecast to grow 26.59% per year

Became profitable this year

Trading at good value compared to peers and industry

Risk Analysis

Large one-off items impacting financial results


BILL Community Fair Values

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See what 42 others think this stock is worth. Follow their fair value or set your own to get alerts.

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BILL Holdings

Digitization And Cloud Adoption Will Transform B2B Payments

Key Takeaways AI-enabled workflow advances and new platform features could radically boost subscription revenue and margin mix beyond current expectations. Viral network effects, embedded partnerships, and international expansion may swiftly accelerate growth and customer acquisition, outpacing analyst forecasts.
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US$80.88
FV
38.6% undervalued intrinsic discount
18.06%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
2users have followed this narrative
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BILL Holdings

Automation, Regulation And Competition Will Squeeze Margins

Key Takeaways Advances in automation and rising competition threaten BILL's ability to differentiate, maintain pricing power, and sustain profitability in a commoditizing digital finance market. Regulatory burdens and challenging macroeconomic trends are likely to slow growth, increase operational costs, and heighten customer churn for BILL Holdings.
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US$42
FV
18.2% overvalued intrinsic discount
10.95%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
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BILL Holdings

AI And Embedded Finance Will Transform Digital Workflows

Key Takeaways AI-driven product innovation and new pricing models are projected to strengthen customer retention, fuel adoption, and expand margins. Strategic partnerships and embedded finance initiatives are broadening channels, boosting customer acquisition, and lifting revenue from higher transaction volumes.
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US$60.1
FV
17.4% undervalued intrinsic discount
13.27%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
19users have followed this narrative
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BILL Holdings, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for BILL Holdings
Historical stock prices
Current Share PriceUS$49.65
52 Week HighUS$100.19
52 Week LowUS$36.55
Beta1.42
1 Month Change-3.35%
3 Month Change8.26%
1 Year Change-12.39%
3 Year Change-61.02%
5 Year Change-54.79%
Change since IPO39.86%

Recent News & Updates

Recent updates

Investors Shouldn't Be Too Comfortable With BILL Holdings' (NYSE:BILL) Earnings

Sep 10
Investors Shouldn't Be Too Comfortable With BILL Holdings' (NYSE:BILL) Earnings

BILL Holdings: Near-Term Growth Outlook Remains Weighed Down

Sep 10

BILL Holdings, Inc.'s (NYSE:BILL) Shares Bounce 27% But Its Business Still Trails The Industry

Sep 08
BILL Holdings, Inc.'s (NYSE:BILL) Shares Bounce 27% But Its Business Still Trails The Industry

BILL Holdings, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Aug 31
BILL Holdings, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Investors Still Aren't Entirely Convinced By BILL Holdings, Inc.'s (NYSE:BILL) Revenues Despite 26% Price Jump

May 09
Investors Still Aren't Entirely Convinced By BILL Holdings, Inc.'s (NYSE:BILL) Revenues Despite 26% Price Jump

BILL Holdings: Eroding Underlying Demand Limits Growth Potential

Apr 17

Should You Investigate BILL Holdings, Inc. (NYSE:BILL) At US$42.60?

Apr 04
Should You Investigate BILL Holdings, Inc. (NYSE:BILL) At US$42.60?

Does BILL Holdings (NYSE:BILL) Have A Healthy Balance Sheet?

Mar 10
Does BILL Holdings (NYSE:BILL) Have A Healthy Balance Sheet?

BILL Holdings: Why I'm Neutral After A Tough Selloff

Mar 10
User avatar

AI-Powered Solutions Will Expand SMB Financial Operations Platform

BILL's strategic focus on AI and innovative payment solutions aims to boost market penetration, transaction volumes, and product adoption for future revenue growth.

Investors Don't See Light At End Of BILL Holdings, Inc.'s (NYSE:BILL) Tunnel And Push Stock Down 26%

Feb 12
Investors Don't See Light At End Of BILL Holdings, Inc.'s (NYSE:BILL) Tunnel And Push Stock Down 26%

Is BILL Holdings, Inc. (NYSE:BILL) Trading At A 27% Discount?

Feb 08
Is BILL Holdings, Inc. (NYSE:BILL) Trading At A 27% Discount?

BILL Holdings: Not Chasing The Rally

Feb 05

Why BILL Holdings, Inc. (NYSE:BILL) Could Be Worth Watching

Dec 27
Why BILL Holdings, Inc. (NYSE:BILL) Could Be Worth Watching

BILL Holdings, Inc. (NYSE:BILL) Stock Rockets 59% As Investors Are Less Pessimistic Than Expected

Dec 05
BILL Holdings, Inc. (NYSE:BILL) Stock Rockets 59% As Investors Are Less Pessimistic Than Expected

Calculating The Intrinsic Value Of BILL Holdings, Inc. (NYSE:BILL)

Nov 08
Calculating The Intrinsic Value Of BILL Holdings, Inc. (NYSE:BILL)

Bill Holdings: Rapidly Growing Accounting SaaS At Discounted Price

Oct 31

BILL Holdings: Assessing The Potential For A Growth Inflection

Oct 25

Is BILL Holdings (NYSE:BILL) Using Too Much Debt?

Oct 18
Is BILL Holdings (NYSE:BILL) Using Too Much Debt?

BILL Holdings: Stock Looks Unattractive In The Near-Term

Aug 24

BILL Holdings: Still A Sell? Maybe Not (Rating Upgrade)

Jun 14

BILL Holdings: I'm Buying At YTD Lows (Rating Upgrade)

May 26

Shareholder Returns

BILLUS SoftwareUS Market
7D-2.8%-1.9%-1.5%
1Y-12.4%26.4%14.4%

Return vs Industry: BILL underperformed the US Software industry which returned 26.6% over the past year.

Return vs Market: BILL underperformed the US Market which returned 15.1% over the past year.

Price Volatility

Is BILL's price volatile compared to industry and market?
BILL volatility
BILL Average Weekly Movement7.5%
Software Industry Average Movement7.8%
Market Average Movement6.5%
10% most volatile stocks in US Market17.6%
10% least volatile stocks in US Market3.0%

Stable Share Price: BILL has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BILL's weekly volatility (8%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
20062,364Rene Lacertewww.bill.com

BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. It provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable businesses to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve back-office efficiency. The company also offers onboarding implementation support, and ongoing support and training services.

BILL Holdings, Inc. Fundamentals Summary

How do BILL Holdings's earnings and revenue compare to its market cap?
BILL fundamental statistics
Market capUS$5.01b
Earnings (TTM)US$23.80m
Revenue (TTM)US$1.46b
212.0x
P/E Ratio
3.4x
P/S Ratio

Is BILL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BILL income statement (TTM)
RevenueUS$1.46b
Cost of RevenueUS$229.81m
Gross ProfitUS$1.23b
Other ExpensesUS$1.21b
EarningsUS$23.80m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Nov 06, 2025

Earnings per share (EPS)0.23
Gross Margin84.29%
Net Profit Margin1.63%
Debt/Equity Ratio43.8%

How did BILL perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/16 10:47
End of Day Share Price 2025/10/16 00:00
Earnings2025/06/30
Annual Earnings2025/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

BILL Holdings, Inc. is covered by 31 analysts. 23 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David KoningBaird
Gary PrestopinoBarrington Research Associates, Inc.
null nullBMO Capital Markets Equity Research