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BILL HOLDINGS INC (BILL) Stock Fundamental Analysis

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

62.13  -34.22 (-35.52%)

After market: 62.6 +0.47 (+0.76%)

Fundamental Rating

4

Taking everything into account, BILL scores 4 out of 10 in our fundamental rating. BILL was compared to 284 industry peers in the Software industry. BILL has only an average score on both its financial health and profitability. BILL is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

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.
In the past 5 years BILL always reported negative net income.
In multiple years BILL reported negative operating cash flow during the last 5 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 0.09%, BILL is doing good in the industry, outperforming 61.37% of the companies in the same industry.
BILL has a better Return On Equity (0.20%) than 63.54% of its industry peers.
Industry RankSector Rank
ROA 0.09%
ROE 0.2%
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

The Profit Margin of BILL (0.59%) is better than 63.18% of its industry peers.
BILL has a better Gross Margin (81.89%) than 85.92% 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) 0.59%
GM 81.89%
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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4

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.
Compared to 5 years ago, BILL has more shares outstanding
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 1.39. This is a bad value and indicates that BILL is not financially healthy and even has some risk of bankruptcy.
BILL has a worse Altman-Z score (1.39) than 62.09% of its industry peers.
BILL has a debt to FCF ratio of 3.14. This is a good value and a sign of high solvency as BILL would need 3.14 years to pay back of all of its debts.
BILL's Debt to FCF ratio of 3.14 is fine compared to the rest of the industry. BILL outperforms 62.09% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that BILL is not too dependend on debt financing.
The Debt to Equity ratio of BILL (0.23) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.14
Altman-Z 1.39
ROIC/WACCN/A
WACC10.09%
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 1.53 indicates that BILL should not have too much problems paying its short term obligations.
The Current ratio of BILL (1.53) is comparable to the rest of the industry.
BILL has a Quick Ratio of 1.53. 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 1.53, BILL is in line with its industry, outperforming 46.21% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53
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%.
BILL shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.89%.
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)21.89%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%13.83%

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 14.17% on average per year.
The Revenue is expected to grow by 13.97% on average over the next years. This is quite good.
EPS Next Y-22.71%
EPS Next 2Y-4.72%
EPS Next 3Y4.72%
EPS Next 5Y14.17%
Revenue Next Year14.45%
Revenue Next 2Y14.95%
Revenue Next 3Y16.25%
Revenue Next 5Y13.97%

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.
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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3

4. Valuation

4.1 Price/Earnings Ratio

BILL is valuated quite expensively with a Price/Earnings ratio of 26.33.
BILL's Price/Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 66.06% of the companies in the same industry.
BILL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.12, which is the current average of the S&P500 Index.
BILL is valuated quite expensively with a Price/Forward Earnings ratio of 29.25.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BILL is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 94.77. BILL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 26.33
Fwd PE 29.25
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as BILL.
BILL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BILL is cheaper than 75.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.04
EV/EBITDA 2048.54
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-4.72%
EPS Next 3Y4.72%

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0

5. Dividend

5.1 Amount

No dividends for BILL!.
Industry RankSector Rank
Dividend Yield N/A

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BILL HOLDINGS INC

NYSE:BILL (2/7/2025, 8:13:54 PM)

After market: 62.6 +0.47 (+0.76%)

62.13

-34.22 (-35.52%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-06 2025-02-06/amc
Earnings (Next)N/A N/A
Inst Owners87.29%
Inst Owner Change0.17%
Ins Owners3.08%
Ins Owner Change15.07%
Market Cap6.43B
Analysts77.42
Price Target96.6 (55.48%)
Short Float %6.69%
Short Ratio2.6
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)21.51%
Min EPS beat(2)20.36%
Max EPS beat(2)22.65%
EPS beat(4)4
Avg EPS beat(4)26.97%
Min EPS beat(4)10.91%
Max EPS beat(4)53.95%
EPS beat(8)8
Avg EPS beat(8)58.34%
EPS beat(12)12
Avg EPS beat(12)69.24%
EPS beat(16)15
Avg EPS beat(16)57.89%
Revenue beat(2)2
Avg Revenue beat(2)1.76%
Min Revenue beat(2)0.73%
Max Revenue beat(2)2.79%
Revenue beat(4)4
Avg Revenue beat(4)2.94%
Min Revenue beat(4)0.73%
Max Revenue beat(4)4.73%
Revenue beat(8)8
Avg Revenue beat(8)3.5%
Revenue beat(12)12
Avg Revenue beat(12)5.24%
Revenue beat(16)16
Avg Revenue beat(16)7.31%
PT rev (1m)2.35%
PT rev (3m)38.5%
EPS NQ rev (1m)1.75%
EPS NQ rev (3m)-17.68%
EPS NY rev (1m)0.18%
EPS NY rev (3m)13.86%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)1.57%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)1.36%
Valuation
Industry RankSector Rank
PE 26.33
Fwd PE 29.25
P/S 4.79
P/FCF 22.04
P/OCF 20.5
P/B 1.6
P/tB 4.76
EV/EBITDA 2048.54
EPS(TTM)2.36
EY3.8%
EPS(NY)2.12
Fwd EY3.42%
FCF(TTM)2.82
FCFY4.54%
OCF(TTM)3.03
OCFY4.88%
SpS12.98
BVpS38.78
TBVpS13.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.09%
ROE 0.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.59%
GM 81.89%
FCFM 21.72%
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-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 3.14
Debt/EBITDA 213.1
Cap/Depr 21.47%
Cap/Sales 1.63%
Interest Coverage N/A
Cash Conversion 7307.06%
Profit Quality 3695.64%
Current Ratio 1.53
Quick Ratio 1.53
Altman-Z 1.39
F-Score7
WACC10.09%
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-22.71%
EPS Next 2Y-4.72%
EPS Next 3Y4.72%
EPS Next 5Y14.17%
Revenue 1Y (TTM)21.89%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%13.83%
Revenue Next Year14.45%
Revenue Next 2Y14.95%
Revenue Next 3Y16.25%
Revenue Next 5Y13.97%
EBIT growth 1Y63.12%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year19.31%
EBIT Next 3Y27.28%
EBIT Next 5Y38.78%
FCF growth 1Y7654.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1380.17%
OCF growth 3Y292.14%
OCF growth 5YN/A