BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - NYSE:BILL - US0900431000 - Common Stock
52.59 USD
+0.65 (+1.25%)
52.59 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 280 industry peers in the Software industry. BILL has a medium profitability rating, but doesn't score so well on its financial health evaluation. BILL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year BILL was profitable.
BILL had a positive operating cash flow in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.24%, BILL is in the better half of the industry, outperforming 60.36% of the companies in the same industry.
BILL has a Return On Equity of 0.61%. This is in the better half of the industry: BILL outperforms 62.86% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 1.63%, BILL is in the better half of the industry, outperforming 63.57% of the companies in the same industry.
BILL has a Gross Margin of 81.40%. This is amongst the best in the industry. BILL outperforms 85.00% of its industry peers.
In the last couple of years the Gross Margin of BILL has grown nicely.
| Industry Rank | Sector 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%
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.
2.2 Solvency
BILL has an Altman-Z score of 0.75. This is a bad value and indicates that BILL is not financially healthy and even has some risk of bankruptcy.
BILL's Altman-Z score of 0.75 is on the low side compared to the rest of the industry. BILL is outperformed by 66.79% of its industry peers.
The Debt to FCF ratio of BILL is 5.54, which is a neutral value as it means it would take BILL, 5.54 years of fcf income to pay off all of its debts.
BILL has a Debt to FCF ratio (5.54) which is in line with its industry peers.
A Debt/Equity ratio of 0.43 indicates that BILL is not too dependend on debt financing.
The Debt to Equity ratio of BILL (0.43) is worse than 62.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 5.54 | ||
| Altman-Z | 0.75 |
ROIC/WACCN/A
WACC10.09%
2.3 Liquidity
BILL has a Current Ratio of 1.58. This is a normal value and indicates that BILL is financially healthy and should not expect problems in meeting its short term obligations.
BILL has a Current ratio (1.58) which is in line with its industry peers.
BILL has a Quick Ratio of 1.58. This is a normal value and indicates that BILL is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.58, BILL is in line with its industry, outperforming 51.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
The earnings per share for BILL have decreased by -5.13% in the last year.
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.
The Revenue is expected to grow by 12.67% on average over the next years. This is quite good.
EPS Next Y0.07%
EPS Next 2Y9.89%
EPS Next 3Y9.19%
EPS Next 5Y19.93%
Revenue Next Year10.78%
Revenue Next 2Y12.22%
Revenue Next 3Y13.54%
Revenue Next 5Y12.67%
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
BILL is valuated rather expensively with a Price/Earnings ratio of 23.69.
BILL's Price/Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 72.86% of the companies in the same industry.
When comparing the Price/Earnings ratio of BILL to the average of the S&P500 Index (27.41), we can say BILL is valued inline with the index average.
With a Price/Forward Earnings ratio of 23.67, BILL is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 70.71% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BILL to the average of the S&P500 Index (22.88), we can say BILL is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.69 | ||
| Fwd PE | 23.67 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BILL is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, BILL is valued cheaper than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.26 | ||
| EV/EBITDA | 393.74 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BILL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)337.12
PEG (5Y)N/A
EPS Next 2Y9.89%
EPS Next 3Y9.19%
5. Dividend
5.1 Amount
No dividends for BILL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
52.59
+0.65 (+1.25%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners91.8%
Inst Owner Change-6.98%
Ins Owners3.28%
Ins Owner Change4.56%
Market Cap5.34B
Analysts74.84
Price Target59.49 (13.12%)
Short Float %11.03%
Short Ratio2.96
Dividend
| Industry Rank | Sector 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)-3.03%
PT rev (3m)-8.04%
EPS NQ rev (1m)-8.61%
EPS NQ rev (3m)-6.59%
EPS NY rev (1m)0.14%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)-0.97%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)-1.56%
Revenue NY rev (3m)-1.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.69 | ||
| Fwd PE | 23.67 | ||
| P/S | 3.65 | ||
| P/FCF | 17.26 | ||
| P/OCF | 15.24 | ||
| P/B | 1.37 | ||
| P/tB | 4.13 | ||
| EV/EBITDA | 393.74 |
EPS(TTM)2.22
EY4.22%
EPS(NY)2.22
Fwd EY4.22%
FCF(TTM)3.05
FCFY5.79%
OCF(TTM)3.45
OCFY6.56%
SpS14.39
BVpS38.51
TBVpS12.74
PEG (NY)337.12
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.75 |
F-Score7
WACC10.09%
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 Year10.78%
Revenue Next 2Y12.22%
Revenue Next 3Y13.54%
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