(BILL) Bill Com Holdings - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0900431000
Stock: Payments, Spend, Automation, Cloud, SaaS, Support
Total Rating 27
Risk 65
Buy Signal 0.29
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 125% |
| Relative Tail Risk | -17.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.61 |
| Alpha | -75.34 |
| Character TTM | |
|---|---|
| Beta | 1.878 |
| Beta Downside | 1.648 |
| Drawdowns 3y | |
|---|---|
| Max DD | 73.67% |
| CAGR/Max DD | -0.27 |
Description: BILL Bill Com Holdings January 08, 2026
BILL Holdings, Inc. (NYSE:BILL) operates a cloud-based financial operations platform that automates accounts-payable and accounts-receivable workflows for small- and mid-size enterprises (SMEs) worldwide. Its SaaS suite includes payment processing, spend-management tools, supplier-client connectivity, and AI-driven data insights, complemented by implementation, support, and training services for accounting firms, financial institutions, and software partners.
In FY 2023 the company generated $1.05 billion in revenue, a 12 % year-over-year increase driven by strong subscription-ARR growth (≈$1.2 billion) and expanding international adoption. Gross margins remain high at roughly 80 %, reflecting the scalable nature of its cloud model, while net income is still negative as the firm invests heavily in product development and go-to-market expansion. Key macro drivers include the accelerating digit-transformation of SMB finance functions and the broader shift toward automated cash-flow management amid tighter credit conditions.
For a deeper quantitative assessment, consult ValueRay’s detailed valuation model to explore BILL’s upside potential.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 11.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: 196.8% < 20% (prev 159.9%; Δ 36.89% < -1%) |
| CFO/TA 0.04 > 3% & CFO 358.9m > Net Income 11.9m |
| Net Debt (822.1m) to EBITDA (126.8m): 6.48 < 3 |
| Current Ratio: 1.67 > 1.5 & < 3 |
| Outstanding Shares: last quarter (101.9m) vs 12m ago -5.03% < -2% |
| Gross Margin: 81.04% > 18% (prev 0.82%; Δ 8022 % > 0.5%) |
| Asset Turnover: 15.63% > 50% (prev 14.85%; Δ 0.77% > 0%) |
| Interest Coverage Ratio: 1.85 > 6 (EBITDA TTM 126.8m / Interest Expense TTM 20.5m) |
Altman Z'' 1.16
| A: 0.29 (Total Current Assets 7.33b - Total Current Liabilities 4.38b) / Total Assets 10.15b |
| B: -0.16 (Retained Earnings -1.60b / Total Assets 10.15b) |
| C: 0.00 (EBIT TTM 37.9m / Avg Total Assets 9.60b) |
| D: -0.25 (Book Value of Equity -1.58b / Total Liabilities 6.27b) |
| Altman-Z'' Score: 1.16 = BB |
Beneish M -3.01
| DSRI: 1.05 (Receivables 770.9m/660.2m, Revenue 1.50b/1.34b) |
| GMI: 1.01 (GM 81.04% / 81.89%) |
| AQI: 0.87 (AQ_t 0.26 / AQ_t-1 0.30) |
| SGI: 1.12 (Revenue 1.50b / 1.34b) |
| TATA: -0.03 (NI 11.9m - CFO 358.9m) / TA 10.15b) |
| Beneish M-Score: -3.01 (Cap -4..+1) = AA |
What is the price of BILL shares?
As of February 07, 2026, the stock is trading at USD 48.94 with a total of 23,454,839 shares traded.
Over the past week, the price has changed by +13.37%, over one month by -11.55%, over three months by +10.30% and over the past year by -49.21%.
Over the past week, the price has changed by +13.37%, over one month by -11.55%, over three months by +10.30% and over the past year by -49.21%.
Is BILL a buy, sell or hold?
Bill Com Holdings has received a consensus analysts rating of 3.93.
Therefore, it is recommended to buy BILL.
- StrongBuy: 10
- Buy: 7
- Hold: 9
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the BILL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 61.6 | 25.8% |
| Analysts Target Price | 61.6 | 25.8% |
| ValueRay Target Price | 40.7 | -16.9% |
BILL Fundamental Data Overview February 03, 2026
P/E Forward = 19.685
P/S = 2.8892
P/B = 1.1193
P/EG = 0.6559
Revenue TTM = 1.50b USD
EBIT TTM = 37.9m USD
EBITDA TTM = 126.8m USD
Long Term Debt = 1.83b USD (from longTermDebt, last quarter)
Short Term Debt = 33.4m USD (from shortTermDebt, last quarter)
Debt = 1.92b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 822.1m USD (from netDebt column, last quarter)
Enterprise Value = 3.94b USD (4.33b + Debt 1.92b - CCE 2.31b)
Interest Coverage Ratio = 1.85 (Ebit TTM 37.9m / Interest Expense TTM 20.5m)
EV/FCF = 11.94x (Enterprise Value 3.94b / FCF TTM 329.9m)
FCF Yield = 8.37% (FCF TTM 329.9m / Enterprise Value 3.94b)
FCF Margin = 21.99% (FCF TTM 329.9m / Revenue TTM 1.50b)
Net Margin = 0.80% (Net Income TTM 11.9m / Revenue TTM 1.50b)
Gross Margin = 81.04% ((Revenue TTM 1.50b - Cost of Revenue TTM 284.4m) / Revenue TTM)
Gross Margin QoQ = 80.54% (prev 80.80%)
Tobins Q-Ratio = 0.39 (Enterprise Value 3.94b / Total Assets 10.15b)
Interest Expense / Debt = 0.35% (Interest Expense 6.73m / Debt 1.92b)
Taxrate = 21.74% (6.61m / 30.4m)
NOPAT = 29.7m (EBIT 37.9m * (1 - 21.74%))
Current Ratio = 1.67 (Total Current Assets 7.33b / Total Current Liabilities 4.38b)
Debt / Equity = 0.49 (Debt 1.92b / totalStockholderEquity, last quarter 3.88b)
Debt / EBITDA = 6.48 (Net Debt 822.1m / EBITDA 126.8m)
Debt / FCF = 2.49 (Net Debt 822.1m / FCF TTM 329.9m)
Total Stockholder Equity = 3.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.12% (Net Income 11.9m / Total Assets 10.15b)
RoE = 0.31% (Net Income TTM 11.9m / Total Stockholder Equity 3.87b)
RoCE = 0.67% (EBIT 37.9m / Capital Employed (Equity 3.87b + L.T.Debt 1.83b))
RoIC = 0.53% (NOPAT 29.7m / Invested Capital 5.62b)
WACC = 8.97% (E(4.33b)/V(6.26b) * Re(12.83%) + D(1.92b)/V(6.26b) * Rd(0.35%) * (1-Tc(0.22)))
Discount Rate = 12.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.90%
[DCF Debug] Terminal Value 78.17% ; FCFF base≈314.4m ; Y1≈387.8m ; Y5≈660.4m
Fair Price DCF = 84.81 (EV 9.32b - Net Debt 822.1m = Equity 8.49b / Shares 100.2m; r=8.97% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 58.63 | EPS CAGR: 139.2% | SUE: 0.45 | # QB: 0
Revenue Correlation: 93.54 | Revenue CAGR: 28.07% | SUE: 0.81 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.51 | Chg30d=+0.001 | Revisions Net=+2 | Analysts=21
EPS current Year (2026-06-30): EPS=2.23 | Chg30d=+0.006 | Revisions Net=+2 | Growth EPS=+0.9% | Growth Revenue=+10.2%
EPS next Year (2027-06-30): EPS=2.56 | Chg30d=+0.001 | Revisions Net=+1 | Growth EPS=+15.1% | Growth Revenue=+13.4%
P/S = 2.8892
P/B = 1.1193
P/EG = 0.6559
Revenue TTM = 1.50b USD
EBIT TTM = 37.9m USD
EBITDA TTM = 126.8m USD
Long Term Debt = 1.83b USD (from longTermDebt, last quarter)
Short Term Debt = 33.4m USD (from shortTermDebt, last quarter)
Debt = 1.92b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 822.1m USD (from netDebt column, last quarter)
Enterprise Value = 3.94b USD (4.33b + Debt 1.92b - CCE 2.31b)
Interest Coverage Ratio = 1.85 (Ebit TTM 37.9m / Interest Expense TTM 20.5m)
EV/FCF = 11.94x (Enterprise Value 3.94b / FCF TTM 329.9m)
FCF Yield = 8.37% (FCF TTM 329.9m / Enterprise Value 3.94b)
FCF Margin = 21.99% (FCF TTM 329.9m / Revenue TTM 1.50b)
Net Margin = 0.80% (Net Income TTM 11.9m / Revenue TTM 1.50b)
Gross Margin = 81.04% ((Revenue TTM 1.50b - Cost of Revenue TTM 284.4m) / Revenue TTM)
Gross Margin QoQ = 80.54% (prev 80.80%)
Tobins Q-Ratio = 0.39 (Enterprise Value 3.94b / Total Assets 10.15b)
Interest Expense / Debt = 0.35% (Interest Expense 6.73m / Debt 1.92b)
Taxrate = 21.74% (6.61m / 30.4m)
NOPAT = 29.7m (EBIT 37.9m * (1 - 21.74%))
Current Ratio = 1.67 (Total Current Assets 7.33b / Total Current Liabilities 4.38b)
Debt / Equity = 0.49 (Debt 1.92b / totalStockholderEquity, last quarter 3.88b)
Debt / EBITDA = 6.48 (Net Debt 822.1m / EBITDA 126.8m)
Debt / FCF = 2.49 (Net Debt 822.1m / FCF TTM 329.9m)
Total Stockholder Equity = 3.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.12% (Net Income 11.9m / Total Assets 10.15b)
RoE = 0.31% (Net Income TTM 11.9m / Total Stockholder Equity 3.87b)
RoCE = 0.67% (EBIT 37.9m / Capital Employed (Equity 3.87b + L.T.Debt 1.83b))
RoIC = 0.53% (NOPAT 29.7m / Invested Capital 5.62b)
WACC = 8.97% (E(4.33b)/V(6.26b) * Re(12.83%) + D(1.92b)/V(6.26b) * Rd(0.35%) * (1-Tc(0.22)))
Discount Rate = 12.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.90%
[DCF Debug] Terminal Value 78.17% ; FCFF base≈314.4m ; Y1≈387.8m ; Y5≈660.4m
Fair Price DCF = 84.81 (EV 9.32b - Net Debt 822.1m = Equity 8.49b / Shares 100.2m; r=8.97% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 58.63 | EPS CAGR: 139.2% | SUE: 0.45 | # QB: 0
Revenue Correlation: 93.54 | Revenue CAGR: 28.07% | SUE: 0.81 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.51 | Chg30d=+0.001 | Revisions Net=+2 | Analysts=21
EPS current Year (2026-06-30): EPS=2.23 | Chg30d=+0.006 | Revisions Net=+2 | Growth EPS=+0.9% | Growth Revenue=+10.2%
EPS next Year (2027-06-30): EPS=2.56 | Chg30d=+0.001 | Revisions Net=+1 | Growth EPS=+15.1% | Growth Revenue=+13.4%