BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BILL - US0900431000 - Common Stock
46.6 USD
-1.65 (-3.42%)
46.65 USD
+0.05 (+0.11%)
BILL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 277 industry peers in the Software industry. Both the profitability and financial health of BILL have multiple concerns. BILL has a decent growth rate and is not valued too expensively.
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.
- BILL had negative earnings in 4 of the past 5 years.
- BILL had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- BILL has a Return On Assets of 0.12%. This is comparable to the rest of the industry: BILL outperforms 56.32% of its industry peers.
- BILL has a Return On Equity (0.31%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.31% | ||
| 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
1.3 Margins
- The Profit Margin of BILL (0.80%) is comparable to the rest of the industry.
- Looking at the Gross Margin, with a value of 81.04%, BILL belongs to the top of the industry, outperforming 84.48% of the companies in the same industry.
- In the last couple of years the Gross Margin of BILL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 0.8% | ||
| GM | 81.04% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5%
GM growth 5Y1.61%
2. Health
2.1 Basic Checks
- BILL does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for BILL has been reduced compared to 1 year ago.
- The number of shares outstanding for BILL has been increased compared to 5 years ago.
- Compared to 1 year ago, BILL has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.70, we must say that BILL is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.70, BILL is doing worse than 66.43% of the companies in the same industry.
- BILL has a debt to FCF ratio of 6.01. This is a slightly negative value and a sign of low solvency as BILL would need 6.01 years to pay back of all of its debts.
- BILL has a Debt to FCF ratio of 6.01. This is comparable to the rest of the industry: BILL outperforms 54.87% of its industry peers.
- A Debt/Equity ratio of 0.47 indicates that BILL is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.47, BILL is doing worse than 64.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.7 |
ROIC/WACCN/A
WACC9.99%
2.3 Liquidity
- A Current Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
- BILL has a Current ratio of 1.67. This is comparable to the rest of the industry: BILL outperforms 50.54% of its industry peers.
- A Quick Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
- BILL has a Quick ratio of 1.67. This is comparable to the rest of the industry: BILL outperforms 52.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
- BILL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.47%.
- The Revenue has grown by 11.63% in the past year. This is quite good.
- Measured over the past years, BILL shows a very strong growth in Revenue. The Revenue has been growing by 56.14% on average per year.
EPS 1Y (TTM)-9.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.17%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
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 19.93% on average per year.
- The Revenue is expected to grow by 12.67% on average over the next years. This is quite good.
EPS Next Y1.93%
EPS Next 2Y7.63%
EPS Next 3Y10.63%
EPS Next 5Y19.93%
Revenue Next Year10.51%
Revenue Next 2Y11.92%
Revenue Next 3Y13.22%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 21.18 indicates a rather expensive valuation of BILL.
- BILL's Price/Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 72.56% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.38. BILL is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 18.12, which indicates a rather expensive current valuation of BILL.
- Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than the industry average as 75.81% of the companies are valued more expensively.
- BILL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.18 | ||
| Fwd PE | 18.12 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as BILL.
- Based on the Price/Free Cash Flow ratio, BILL is valued cheaply inside the industry as 85.20% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.04 | ||
| EV/EBITDA | 723.77 |
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)10.96
PEG (5Y)N/A
EPS Next 2Y7.63%
EPS Next 3Y10.63%
5. Dividend
5.1 Amount
- No dividends for BILL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
46.6
-1.65 (-3.42%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-06 2026-02-06/amc
Inst Owners105.07%
Inst Owner Change0.69%
Ins Owners11.86%
Ins Owner Change8.83%
Market Cap4.67B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target62.98 (35.15%)
Short Float %16.3%
Short Ratio5.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)22.61%
Min EPS beat(2)17.2%
Max EPS beat(2)28.01%
EPS beat(4)4
Avg EPS beat(4)23.7%
Min EPS beat(4)17.2%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)25.33%
EPS beat(12)12
Avg EPS beat(12)46.79%
EPS beat(16)16
Avg EPS beat(16)57.85%
Revenue beat(2)0
Avg Revenue beat(2)-0.44%
Min Revenue beat(2)-0.79%
Max Revenue beat(2)-0.09%
Revenue beat(4)0
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)-0.09%
Revenue beat(8)4
Avg Revenue beat(8)1.03%
Revenue beat(12)8
Avg Revenue beat(12)2.04%
Revenue beat(16)12
Avg Revenue beat(16)3.71%
PT rev (1m)1.94%
PT rev (3m)4.8%
EPS NQ rev (1m)0.45%
EPS NQ rev (3m)3.11%
EPS NY rev (1m)0%
EPS NY rev (3m)3.82%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.18 | ||
| Fwd PE | 18.12 | ||
| P/S | 3.11 | ||
| P/FCF | 15.04 | ||
| P/OCF | 13 | ||
| P/B | 1.2 | ||
| P/tB | 3.65 | ||
| EV/EBITDA | 723.77 |
EPS(TTM)2.2
EY4.72%
EPS(NY)2.57
Fwd EY5.52%
FCF(TTM)3.1
FCFY6.65%
OCF(TTM)3.58
OCFY7.69%
SpS14.97
BVpS38.77
TBVpS12.77
PEG (NY)10.96
PEG (5Y)N/A
Graham Number43.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 0.8% | ||
| GM | 81.04% | ||
| FCFM | 20.69% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Debt/EBITDA | 441.63 | ||
| Cap/Depr | 54.58% | ||
| Cap/Sales | 3.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 8650.69% | ||
| Profit Quality | 2602.88% | ||
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 | ||
| Altman-Z | 0.7 |
F-Score6
WACC9.99%
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)-9.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.17%
EPS Next Y1.93%
EPS Next 2Y7.63%
EPS Next 3Y10.63%
EPS Next 5Y19.93%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
Revenue Next Year10.51%
Revenue Next 2Y11.92%
Revenue Next 3Y13.22%
Revenue Next 5Y12.67%
EBIT growth 1Y13.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year24.89%
EBIT Next 3Y24.86%
EBIT Next 5Y37.8%
FCF growth 1Y61.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y60.75%
OCF growth 3YN/A
OCF growth 5YN/A
BILL HOLDINGS INC / BILL FAQ
What is the ChartMill fundamental rating of BILL HOLDINGS INC (BILL) stock?
ChartMill assigns a fundamental rating of 3 / 10 to BILL.
What is the valuation status for BILL stock?
ChartMill assigns a valuation rating of 4 / 10 to BILL HOLDINGS INC (BILL). This can be considered as Fairly Valued.
Can you provide the profitability details for BILL HOLDINGS INC?
BILL HOLDINGS INC (BILL) has a profitability rating of 3 / 10.
What is the valuation of BILL HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BILL HOLDINGS INC (BILL) is 21.18 and the Price/Book (PB) ratio is 1.2.
Can you provide the expected EPS growth for BILL stock?
The Earnings per Share (EPS) of BILL HOLDINGS INC (BILL) is expected to grow by 1.93% in the next year.