BILL HOLDINGS INC (BILL) Stock Fundamental Analysis

NYSE:BILL • US0900431000

44.91 USD
-0.21 (-0.47%)
At close: Feb 18, 2026
44.91 USD
0 (0%)
After Hours: 2/18/2026, 8:16:07 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, BILL scores 4 out of 10 in our fundamental rating. BILL was compared to 276 industry peers in the Software industry. Both the profitability and financial health of BILL have multiple concerns. BILL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BILL had positive earnings in the past year.
  • BILL had a positive operating cash flow in the past year.
  • In the past 5 years BILL reported 4 times negative net income.
  • Of the past 5 years BILL 4 years had a positive operating cash flow.
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 2025 0 200M -200M

1.2 Ratios

  • BILL has a Return On Assets (-0.24%) which is comparable to the rest of the industry.
  • BILL has a Return On Equity (-0.64%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA -0.24%
ROE -0.64%
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
BILL Yearly ROA, ROE, ROICBILL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -2 -4 -6 -8

1.3 Margins

  • BILL's Gross Margin of 80.58% is amongst the best of the industry. BILL outperforms 81.88% of its industry peers.
  • BILL's Gross Margin has improved in the last couple of years.
  • BILL does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 80.58%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5%
GM growth 5Y1.61%
BILL Yearly Profit, Operating, Gross MarginsBILL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • BILL has a worse debt/assets ratio than last year.
BILL Yearly Shares OutstandingBILL Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.65, 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 0.65, BILL is doing worse than 64.49% of the companies in the same industry.
  • BILL has a debt to FCF ratio of 5.52. This is a neutral value as BILL would need 5.52 years to pay back of all of its debts.
  • BILL has a Debt to FCF ratio (5.52) which is comparable to the rest of the industry.
  • BILL has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of BILL (0.48) is worse than 67.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 5.52
Altman-Z 0.65
ROIC/WACCN/A
WACC9.89%
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 2025 0 1B 2B 3B 4B

2.3 Liquidity

  • BILL has a Current Ratio of 1.65. 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 (1.65) which is in line with its industry peers.
  • A Quick Ratio of 1.65 indicates that BILL should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.65, BILL is in line with its industry, outperforming 51.09% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.65
Quick Ratio 1.65
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 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The earnings per share for BILL have decreased by -3.39% in the last year.
  • BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.84%.
  • The Revenue has been growing by 56.14% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-3.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%14.29%
Revenue 1Y (TTM)11.84%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%14.37%

3.2 Future

  • BILL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.69% yearly.
  • BILL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.60% yearly.
EPS Next Y2.19%
EPS Next 2Y7.99%
EPS Next 3Y10.5%
EPS Next 5Y23.69%
Revenue Next Year10.44%
Revenue Next 2Y11.92%
Revenue Next 3Y13.26%
Revenue Next 5Y16.6%

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 1B 2B 3B
BILL Yearly EPS VS EstimatesBILL Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • BILL is valuated rather expensively with a Price/Earnings ratio of 19.70.
  • Based on the Price/Earnings ratio, BILL is valued a bit cheaper than 70.65% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, BILL is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 17.35 indicates a rather expensive valuation of BILL.
  • 70.29% of the companies in the same industry are more expensive than BILL, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.16, BILL is valued a bit cheaper.
Industry RankSector Rank
PE 19.7
Fwd PE 17.35
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 cheaper than 83.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.37
EV/EBITDA 135.18
BILL Per share dataBILL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)9.01
PEG (5Y)N/A
EPS Next 2Y7.99%
EPS Next 3Y10.5%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • BILL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BILL HOLDINGS INC

NYSE:BILL (2/18/2026, 8:16:07 PM)

After market: 44.91 0 (0%)

44.91

-0.21 (-0.47%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-05
Earnings (Next)05-06
Inst Owners105.07%
Inst Owner Change-0.85%
Ins Owners11.86%
Ins Owner Change9.17%
Market Cap4.44B
Revenue(TTM)1.55B
Net Income(TTM)-24.21M
Analysts78.06
Price Target62.5 (39.17%)
Short Float %15.54%
Short Ratio3.9
Dividend
Industry RankSector 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)14.92%
Min EPS beat(2)12.65%
Max EPS beat(2)17.2%
EPS beat(4)4
Avg EPS beat(4)21.98%
Min EPS beat(4)12.65%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)20.17%
EPS beat(12)12
Avg EPS beat(12)30.61%
EPS beat(16)16
Avg EPS beat(16)52.39%
Revenue beat(2)1
Avg Revenue beat(2)0.63%
Min Revenue beat(2)-0.79%
Max Revenue beat(2)2.05%
Revenue beat(4)1
Avg Revenue beat(4)-0.03%
Min Revenue beat(4)-1.29%
Max Revenue beat(4)2.05%
Revenue beat(8)4
Avg Revenue beat(8)0.69%
Revenue beat(12)8
Avg Revenue beat(12)1.82%
Revenue beat(16)12
Avg Revenue beat(16)2.77%
PT rev (1m)0.14%
PT rev (3m)-0.09%
EPS NQ rev (1m)5.89%
EPS NQ rev (3m)2.69%
EPS NY rev (1m)0.25%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)1.6%
Revenue NQ rev (3m)1.48%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 19.7
Fwd PE 17.35
P/S 2.86
P/FCF 13.37
P/OCF 11.53
P/B 1.17
P/tB 3.65
EV/EBITDA 135.18
EPS(TTM)2.28
EY5.08%
EPS(NY)2.59
Fwd EY5.76%
FCF(TTM)3.36
FCFY7.48%
OCF(TTM)3.9
OCFY8.67%
SpS15.68
BVpS38.47
TBVpS12.31
PEG (NY)9.01
PEG (5Y)N/A
Graham Number44.42
Profitability
Industry RankSector Rank
ROA -0.24%
ROE -0.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 80.58%
FCFM 21.42%
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-Score4
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 5.52
Debt/EBITDA 85.17
Cap/Depr 51.96%
Cap/Sales 3.42%
Interest Coverage N/A
Cash Conversion 1790.69%
Profit Quality N/A
Current Ratio 1.65
Quick Ratio 1.65
Altman-Z 0.65
F-Score4
WACC9.89%
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)-3.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%14.29%
EPS Next Y2.19%
EPS Next 2Y7.99%
EPS Next 3Y10.5%
EPS Next 5Y23.69%
Revenue 1Y (TTM)11.84%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%14.37%
Revenue Next Year10.44%
Revenue Next 2Y11.92%
Revenue Next 3Y13.26%
Revenue Next 5Y16.6%
EBIT growth 1Y-5.15%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year25.55%
EBIT Next 3Y24.39%
EBIT Next 5Y37.8%
FCF growth 1Y52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y55.62%
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 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 19.7 and the Price/Book (PB) ratio is 1.17.


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 2.19% in the next year.