BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - NYSE:BILL - US0900431000 - Common Stock
47.11 USD
-2.09 (-4.25%)
47.683 USD
+0.57 (+1.22%)
BILL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 284 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.
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's Return On Assets of 0.24% is in line compared to the rest of the industry. BILL outperforms 59.86% of its industry peers.
The Return On Equity of BILL (0.61%) is better than 62.32% 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
The Profit Margin of BILL (1.63%) is better than 63.03% of its industry peers.
Looking at the Gross Margin, with a value of 81.40%, BILL belongs to the top of the industry, outperforming 86.27% 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) | 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.
The debt/assets ratio for BILL is higher compared to a year ago.
2.2 Solvency
BILL has an Altman-Z score of 0.71. This is a bad value and indicates that BILL is not financially healthy and even has some risk of bankruptcy.
BILL has a Altman-Z score of 0.71. This is in the lower half of the industry: BILL underperforms 66.55% 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.
Looking at the Debt to FCF ratio, with a value of 5.54, BILL is in line with its industry, outperforming 57.39% of the companies in the same industry.
A Debt/Equity ratio of 0.43 indicates that BILL is not too dependend on debt financing.
BILL's Debt to Equity ratio of 0.43 is on the low side compared to the rest of the industry. BILL is outperformed by 61.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 5.54 | ||
| Altman-Z | 0.71 |
ROIC/WACCN/A
WACC10.05%
2.3 Liquidity
A Current Ratio of 1.58 indicates that BILL should not have too much problems paying its short term obligations.
The Current ratio of BILL (1.58) is comparable to the rest of the industry.
A Quick Ratio of 1.58 indicates that BILL should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.58, BILL perfoms like the industry average, outperforming 50.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
BILL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.13%.
BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.36%.
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)-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
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.
BILL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.67% yearly.
EPS Next Y-1.93%
EPS Next 2Y6.18%
EPS Next 3Y9.84%
EPS Next 5Y19.93%
Revenue Next Year10.71%
Revenue Next 2Y12.31%
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
A Price/Earnings ratio of 21.22 indicates a rather expensive valuation of BILL.
Based on the Price/Earnings ratio, BILL is valued a bit cheaper than the industry average as 73.94% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BILL to the average of the S&P500 Index (26.03), we can say BILL is valued inline with the index average.
With a Price/Forward Earnings ratio of 21.64, BILL is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than 70.07% of the companies in the same industry.
BILL's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.22 | ||
| Fwd PE | 21.64 |
4.2 Price Multiples
BILL's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, BILL is valued cheaper than 85.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.46 | ||
| EV/EBITDA | 354.76 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.18%
EPS Next 3Y9.84%
5. Dividend
5.1 Amount
BILL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
47.11
-2.09 (-4.25%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners96.11%
Inst Owner Change-0.86%
Ins Owners3.42%
Ins Owner Change4.54%
Market Cap4.79B
Revenue(TTM)1.46B
Net Income(TTM)23.80M
Analysts76.77
Price Target62.55 (32.77%)
Short Float %14.33%
Short Ratio3.36
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)5.14%
PT rev (3m)2.12%
EPS NQ rev (1m)0.74%
EPS NQ rev (3m)-6.1%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)-1.86%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.22 | ||
| Fwd PE | 21.64 | ||
| P/S | 3.27 | ||
| P/FCF | 15.46 | ||
| P/OCF | 13.65 | ||
| P/B | 1.22 | ||
| P/tB | 3.7 | ||
| EV/EBITDA | 354.76 |
EPS(TTM)2.22
EY4.71%
EPS(NY)2.18
Fwd EY4.62%
FCF(TTM)3.05
FCFY6.47%
OCF(TTM)3.45
OCFY7.32%
SpS14.39
BVpS38.51
TBVpS12.74
PEG (NY)N/A
PEG (5Y)N/A
Graham Number43.86
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
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-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 | 0.71 |
F-Score7
WACC10.05%
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 Y-1.93%
EPS Next 2Y6.18%
EPS Next 3Y9.84%
EPS Next 5Y19.93%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%11.55%
Revenue Next Year10.71%
Revenue Next 2Y12.31%
Revenue Next 3Y13.54%
Revenue Next 5Y12.67%
EBIT growth 1Y45.01%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.34%
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
BILL HOLDINGS INC / BILL FAQ
What is the ChartMill fundamental rating of BILL HOLDINGS INC (BILL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BILL.
What is the valuation status of BILL HOLDINGS INC (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 4 / 10.
How financially healthy is BILL HOLDINGS INC?
The financial health rating of BILL HOLDINGS INC (BILL) is 3 / 10.
What is the expected EPS growth for BILL HOLDINGS INC (BILL) stock?
The Earnings per Share (EPS) of BILL HOLDINGS INC (BILL) is expected to decline by -1.93% in the next year.