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BILL Holdings, Inc.NYSE:BILL Stock Report

Market Cap US$4.2b
Share Price
US$41.63
My Fair Value
US$60
30.8% undervalued intrinsic discount
1Y-20.4%
7D-0.05%
Portfolio Value
​
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BILL Holdings, Inc.

NYSE:BILL Stock Report

Market Cap: US$4.2b

BILL Holdings (BILL) Stock Overview

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

BILL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth1/6
Past Performance2/6
Financial Health4/6
Dividends0/6

Rewards

Trading at 64.6% below our estimate of its fair value

Revenue is forecast to grow 12.45% per year

Became profitable this year

Risk Analysis

Earnings are forecast to decline by an average of 4.5% per year for the next 3 years

Large one-off items impacting financial results


BILL Community Fair Values

Create Narrative

See what 39 others think this stock is worth. Follow their fair value or set your own to get alerts.

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BILL Holdings

AI Platform Upgrades And New Products Will Strengthen Fintech's Market Position

Key Takeaways Strategic partnerships and AI-enhanced platforms aim to boost revenue and margins through improved customer acquisition, retention, and core revenue growth. Product launches and mid-market expansion target increased monetization and transaction volume, enhancing revenue and earnings potential.
View narrative
US$60.19
FV
30.8% undervalued intrinsic discount
16.90%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
18users have followed this narrative
13 days ago author updated this narrative
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BILL Holdings

Cloud And AI Will Fuel Global SMB Automation

Key Takeaways Accelerated AI and rapid product innovation could drive outsized automation, customer growth, and dominant share in SMB digital payments and workflow automation. Expanding holistic solutions and international payment capabilities uniquely position BILL to capitalize on rising SMB cloud adoption and unlock multiple new revenue streams.
View narrative
US$81.38
FV
48.8% undervalued intrinsic discount
19.53%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
8 minutes ago author updated this narrative
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BILL Holdings

Macroeconomic Uncertainty And Competition Will Squeeze Margins But Unearth Value

Key Takeaways Increasing automation and product expansion fuel long-term growth, but heavy investment and competition threaten margins and delay profitability. Economic uncertainty and SMB exposure heighten risks to revenue and earnings, especially if subdued transaction volumes and compliance costs persist.
View narrative
US$49.00
FV
15.0% undervalued intrinsic discount
19.45%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
7 days ago author updated 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$41.63
52 Week HighUS$100.19
52 Week LowUS$36.55
Beta1.36
1 Month Change-9.64%
3 Month Change-4.08%
1 Year Change-20.42%
3 Year Change-74.28%
5 Year Change-58.39%
Change since IPO17.27%

Recent News & Updates

BILL Holdings Struggles For Growth As SMBs Sag

Aug 08

Recent updates

BILL Holdings Struggles For Growth As SMBs Sag

Aug 08

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?

What Does BILL Holdings, Inc.'s (NYSE:BILL) Share Price Indicate?

Sep 27
What Does BILL Holdings, Inc.'s (NYSE:BILL) Share Price Indicate?

Revenues Not Telling The Story For BILL Holdings, Inc. (NYSE:BILL) After Shares Rise 26%

Sep 06
Revenues Not Telling The Story For BILL Holdings, Inc. (NYSE:BILL) After Shares Rise 26%

BILL Holdings: Stock Looks Unattractive In The Near-Term

Aug 24

Are Investors Undervaluing BILL Holdings, Inc. (NYSE:BILL) By 39%?

Jun 28
Are Investors Undervaluing BILL Holdings, Inc. (NYSE:BILL) By 39%?

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

Jun 14

BILL Holdings, Inc. (NYSE:BILL) Not Flying Under The Radar

Jun 09
BILL Holdings, Inc. (NYSE:BILL) Not Flying Under The Radar

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

May 26

BILL Holdings (NYSE:BILL) Has Debt But No Earnings; Should You Worry?

May 22
BILL Holdings (NYSE:BILL) Has Debt But No Earnings; Should You Worry?

BILL Holdings: Competition With Intuit And Overvaluation Make It A Sell

May 04

Is It Too Late To Consider Buying BILL Holdings, Inc. (NYSE:BILL)?

Apr 15
Is It Too Late To Consider Buying BILL Holdings, Inc. (NYSE:BILL)?

BILL Holdings: Avoid This Stock (Rating Downgrade)

Apr 12

Estimating The Fair Value Of BILL Holdings, Inc. (NYSE:BILL)

Mar 25
Estimating The Fair Value Of BILL Holdings, Inc. (NYSE:BILL)

BILL Holdings, Inc.: New Game Plan For Success In 2024

Feb 12

Is BILL Holdings (NYSE:BILL) Weighed On By Its Debt Load?

Feb 11
Is BILL Holdings (NYSE:BILL) Weighed On By Its Debt Load?

BILL Holdings, Inc.'s (NYSE:BILL) Shares May Have Run Too Fast Too Soon

Jan 20
BILL Holdings, Inc.'s (NYSE:BILL) Shares May Have Run Too Fast Too Soon

BILL Holdings Faces Investor Caution While Being Priced At 40x EPS

Jan 17

Is BILL Holdings, Inc. (NYSE:BILL) Potentially Undervalued?

Dec 30
Is BILL Holdings, Inc. (NYSE:BILL) Potentially Undervalued?

A Look At The Fair Value Of BILL Holdings, Inc. (NYSE:BILL)

Dec 08
A Look At The Fair Value Of BILL Holdings, Inc. (NYSE:BILL)

BILL Holdings: Buy The Crash

Dec 03

Shareholder Returns

BILLUS SoftwareUS Market
7D-0.05%-0.2%1.3%
1Y-20.4%25.4%16.2%

Return vs Industry: BILL underperformed the US Software industry which returned 25.4% over the past year.

Return vs Market: BILL underperformed the US Market which returned 16.2% over the past year.

Price Volatility

Is BILL's price volatile compared to industry and market?
BILL volatility
BILL Average Weekly Movement5.1%
Software Industry Average Movement7.9%
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 (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
20062,187Rene Lacertewww.bill.com

BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. The company 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 office efficiency. It 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$4.19b
Earnings (TTM)US$38.47m
Revenue (TTM)US$1.42b
111.5x
P/E Ratio
3.0x
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$1.42b
Cost of RevenueUS$220.26m
Gross ProfitUS$1.20b
Other ExpensesUS$1.16b
EarningsUS$38.47m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.37
Gross Margin84.52%
Net Profit Margin2.70%
Debt/Equity Ratio44.3%

How did BILL perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/27 21:50
End of Day Share Price 2025/08/27 00:00
Earnings2025/03/31
Annual Earnings2024/06/30

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 40 analysts. 24 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
Ishan MajumdarBaptista Research
Daniel JesterBMO Capital Markets Equity Research