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BILL HOLDINGS INC (BILL) Stock Fundamental Analysis

NYSE:BILL - New York Stock Exchange, Inc. - US0900431000 - Common Stock - Currency: USD

47.24  -0.42 (-0.88%)

Premarket: 46.65 -0.59 (-1.25%)

Fundamental Rating

4

Taking everything into account, BILL scores 4 out of 10 in our fundamental rating. BILL was compared to 281 industry peers in the Software industry. While BILL is still in line with the averages on profitability rating, there are concerns on its financial health. BILL has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BILL was profitable.
BILL had a positive operating cash flow in the past year.
BILL had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BILL reported negative operating cash flow in multiple years.
BILL Yearly Net Income VS EBIT VS OCF VS FCFBILL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 200M -200M

1.2 Ratios

With a decent Return On Assets value of 0.85%, BILL is doing good in the industry, outperforming 65.12% of the companies in the same industry.
BILL has a Return On Equity of 2.15%. This is in the better half of the industry: BILL outperforms 67.26% of its industry peers.
Industry RankSector Rank
ROA 0.85%
ROE 2.15%
ROIC N/A
ROA(3y)-2.05%
ROA(5y)-1.82%
ROE(3y)-4.75%
ROE(5y)-4.5%
ROIC(3y)N/A
ROIC(5y)N/A
BILL Yearly ROA, ROE, ROICBILL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 -2 -4 -6 -8

1.3 Margins

With a decent Profit Margin value of 5.90%, BILL is doing good in the industry, outperforming 70.11% of the companies in the same industry.
The Gross Margin of BILL (81.88%) is better than 86.48% of its industry peers.
In the last couple of years the Gross Margin of BILL has grown nicely.
Industry RankSector Rank
OM N/A
PM (TTM) 5.9%
GM 81.88%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.38%
GM growth 5Y2.48%
BILL Yearly Profit, Operating, Gross MarginsBILL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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3

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
The number of shares outstanding for BILL has been increased compared to 5 years ago.
BILL has a better debt/assets ratio than last year.
BILL Yearly Shares OutstandingBILL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BILL Yearly Total Debt VS Total AssetsBILL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

BILL has an Altman-Z score of 0.74. This is a bad value and indicates that BILL is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.74, BILL is not doing good in the industry: 65.12% of the companies in the same industry are doing better.
The Debt to FCF ratio of BILL is 5.97, which is a neutral value as it means it would take BILL, 5.97 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.97, BILL perfoms like the industry average, outperforming 54.45% of the companies in the same industry.
A Debt/Equity ratio of 0.44 indicates that BILL is not too dependend on debt financing.
BILL has a worse Debt to Equity ratio (0.44) than 64.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 5.97
Altman-Z 0.74
ROIC/WACCN/A
WACC11.58%
BILL Yearly LT Debt VS Equity VS FCFBILL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

2.3 Liquidity

A Current Ratio of 1.66 indicates that BILL should not have too much problems paying its short term obligations.
BILL has a Current ratio (1.66) which is in line with its industry peers.
A Quick Ratio of 1.66 indicates that BILL should not have too much problems paying its short term obligations.
BILL has a Quick ratio (1.66) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.66
Quick Ratio 1.66
BILL Yearly Current Assets VS Current LiabilitesBILL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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6

3. Growth

3.1 Past

BILL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.42%.
The Revenue has grown by 16.42% in the past year. This is quite good.
BILL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 64.12% yearly.
EPS 1Y (TTM)4.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-11.11%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%13.83%

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 14.17% yearly.
Based on estimates for the next years, BILL will show a quite strong growth in Revenue. The Revenue will grow by 13.97% on average per year.
EPS Next Y-15.85%
EPS Next 2Y-3.69%
EPS Next 3Y5.55%
EPS Next 5Y14.17%
Revenue Next Year14.83%
Revenue Next 2Y14.95%
Revenue Next 3Y15.64%
Revenue Next 5Y13.97%

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.
BILL Yearly Revenue VS EstimatesBILL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B 2.5B
BILL Yearly EPS VS EstimatesBILL Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 20.02, which indicates a rather expensive current valuation of BILL.
Compared to the rest of the industry, the Price/Earnings ratio of BILL indicates a rather cheap valuation: BILL is cheaper than 80.78% of the companies listed in the same industry.
BILL is valuated rather cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 21.76, BILL is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than the industry average as 77.22% of the companies are valued more expensively.
BILL is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.02
Fwd PE 21.76
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as BILL.
86.48% of the companies in the same industry are more expensive than BILL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.8
EV/EBITDA 171.82
BILL Per share dataBILL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.69%
EPS Next 3Y5.55%

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0

5. Dividend

5.1 Amount

BILL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BILL HOLDINGS INC

NYSE:BILL (3/7/2025, 8:07:35 PM)

Premarket: 46.65 -0.59 (-1.25%)

47.24

-0.42 (-0.88%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-06 2025-02-06/amc
Earnings (Next)04-30 2025-04-30/amc
Inst Owners94.28%
Inst Owner Change10.92%
Ins Owners3.27%
Ins Owner Change14.3%
Market Cap4.82B
Analysts77.42
Price Target88.75 (87.87%)
Short Float %7.78%
Short Ratio2.18
Dividend
Industry RankSector 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)21.09%
Min EPS beat(2)19.52%
Max EPS beat(2)22.65%
EPS beat(4)4
Avg EPS beat(4)18.36%
Min EPS beat(4)10.91%
Max EPS beat(4)22.65%
EPS beat(8)8
Avg EPS beat(8)34.93%
EPS beat(12)12
Avg EPS beat(12)62.53%
EPS beat(16)15
Avg EPS beat(16)55.27%
Revenue beat(2)1
Avg Revenue beat(2)-0.3%
Min Revenue beat(2)-1.33%
Max Revenue beat(2)0.73%
Revenue beat(4)3
Avg Revenue beat(4)1.42%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)3.49%
Revenue beat(8)7
Avg Revenue beat(8)2.75%
Revenue beat(12)11
Avg Revenue beat(12)3.71%
Revenue beat(16)15
Avg Revenue beat(16)6.44%
PT rev (1m)-8.13%
PT rev (3m)1.27%
EPS NQ rev (1m)9.69%
EPS NQ rev (3m)11.68%
EPS NY rev (1m)8.88%
EPS NY rev (3m)11.32%
Revenue NQ rev (1m)-1.18%
Revenue NQ rev (3m)-0.81%
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)0.61%
Valuation
Industry RankSector Rank
PE 20.02
Fwd PE 21.76
P/S 3.47
P/FCF 16.8
P/OCF 15.4
P/B 1.26
P/tB 4.15
EV/EBITDA 171.82
EPS(TTM)2.36
EY5%
EPS(NY)2.17
Fwd EY4.59%
FCF(TTM)2.81
FCFY5.95%
OCF(TTM)3.07
OCFY6.49%
SpS13.61
BVpS37.37
TBVpS11.38
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 2.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.9%
GM 81.88%
FCFM 20.66%
ROA(3y)-2.05%
ROA(5y)-1.82%
ROE(3y)-4.75%
ROE(5y)-4.5%
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 3Y3.38%
GM growth 5Y2.48%
F-Score6
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 5.97
Debt/EBITDA 78.53
Cap/Depr 26.5%
Cap/Sales 1.87%
Interest Coverage N/A
Cash Conversion 1463.19%
Profit Quality 350.24%
Current Ratio 1.66
Quick Ratio 1.66
Altman-Z 0.74
F-Score6
WACC11.58%
ROIC/WACCN/A
Cap/Depr(3y)23.74%
Cap/Depr(5y)109.51%
Cap/Sales(3y)2.33%
Cap/Sales(5y)4.71%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-11.11%
EPS Next Y-15.85%
EPS Next 2Y-3.69%
EPS Next 3Y5.55%
EPS Next 5Y14.17%
Revenue 1Y (TTM)16.42%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%13.83%
Revenue Next Year14.83%
Revenue Next 2Y14.95%
Revenue Next 3Y15.64%
Revenue Next 5Y13.97%
EBIT growth 1Y60.61%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year19.31%
EBIT Next 3Y27.28%
EBIT Next 5Y38.78%
FCF growth 1Y324.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y249.99%
OCF growth 3Y292.14%
OCF growth 5YN/A