BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - NYSE:BILL - US0900431000 - Common Stock
49.63 USD
-0.72 (-1.43%)
48.01 USD
-1.62 (-3.26%)
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 281 industry peers in the Software industry. There are concerns on the financial health of BILL while its profitability can be described as average. BILL is not valued too expensively and it also shows a decent growth rate.
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.
1.2 Ratios
BILL has a Return On Assets (0.12%) which is in line with its industry peers.
BILL has a better Return On Equity (0.31%) than 61.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.31% | ||
| 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
BILL's Profit Margin of 0.80% is fine compared to the rest of the industry. BILL outperforms 61.21% of its industry peers.
BILL has a Gross Margin of 81.04%. This is amongst the best in the industry. BILL outperforms 84.70% of its industry peers.
BILL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 0.8% | ||
| GM | 81.04% |
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.
The number of shares outstanding for BILL has been reduced compared to 1 year ago.
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 0.73. 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 (0.73) than 62.99% of its industry peers.
The Debt to FCF ratio of BILL is 6.01, which is on the high side as it means it would take BILL, 6.01 years of fcf income to pay off all of its debts.
BILL has a Debt to FCF ratio (6.01) which is comparable to the rest of the industry.
BILL has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.47, BILL is not doing good in the industry: 62.99% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.73 |
ROIC/WACCN/A
WACC10.09%
2.3 Liquidity
BILL has a Current Ratio of 1.67. This is a normal value and indicates that BILL is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.67, BILL perfoms like the industry average, outperforming 51.96% of the companies in the same industry.
A Quick Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
BILL's Quick ratio of 1.67 is in line compared to the rest of the industry. BILL outperforms 53.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
The earnings per share for BILL have decreased by -9.47% in the last year.
The Revenue has grown by 11.63% 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)-9.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.17%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
3.2 Future
The Earnings Per Share is expected to grow by 19.93% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.67% on average over the next years. This is quite good.
EPS Next Y-1.17%
EPS Next 2Y6.96%
EPS Next 3Y14.03%
EPS Next 5Y19.93%
Revenue Next Year10.85%
Revenue Next 2Y12.43%
Revenue Next 3Y13.63%
Revenue Next 5Y12.67%
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.
4. Valuation
4.1 Price/Earnings Ratio
BILL is valuated rather expensively with a Price/Earnings ratio of 22.56.
Based on the Price/Earnings ratio, BILL is valued a bit cheaper than the industry average as 70.11% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.56. BILL is around the same levels.
The Price/Forward Earnings ratio is 19.54, which indicates a rather expensive current valuation of BILL.
BILL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 72.60% of the companies in the same industry.
BILL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 34.62, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.56 | ||
| Fwd PE | 19.54 |
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 cheaply inside the industry as 82.56% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.25 | ||
| EV/EBITDA | 814.5 |
4.3 Compensation for Growth
BILL's earnings are expected to grow with 14.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.96%
EPS Next 3Y14.03%
5. Dividend
5.1 Amount
No dividends for BILL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
49.63
-0.72 (-1.43%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners96.11%
Inst Owner Change19.35%
Ins Owners3.42%
Ins Owner Change4.71%
Market Cap5.04B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target62.55 (26.03%)
Short Float %15.83%
Short Ratio4.69
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)22.61%
Min EPS beat(2)17.2%
Max EPS beat(2)28.01%
EPS beat(4)4
Avg EPS beat(4)23.7%
Min EPS beat(4)17.2%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)25.33%
EPS beat(12)12
Avg EPS beat(12)46.79%
EPS beat(16)16
Avg EPS beat(16)57.85%
Revenue beat(2)0
Avg Revenue beat(2)-0.44%
Min Revenue beat(2)-0.79%
Max Revenue beat(2)-0.09%
Revenue beat(4)0
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)-0.09%
Revenue beat(8)4
Avg Revenue beat(8)1.03%
Revenue beat(12)8
Avg Revenue beat(12)2.04%
Revenue beat(16)12
Avg Revenue beat(16)3.71%
PT rev (1m)4.09%
PT rev (3m)1.96%
EPS NQ rev (1m)1.71%
EPS NQ rev (3m)-2.63%
EPS NY rev (1m)0.66%
EPS NY rev (3m)-1.1%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)-1.92%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)-1.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.56 | ||
| Fwd PE | 19.54 | ||
| P/S | 3.36 | ||
| P/FCF | 16.25 | ||
| P/OCF | 14.05 | ||
| P/B | 1.3 | ||
| P/tB | 3.94 | ||
| EV/EBITDA | 814.5 |
EPS(TTM)2.2
EY4.43%
EPS(NY)2.54
Fwd EY5.12%
FCF(TTM)3.05
FCFY6.15%
OCF(TTM)3.53
OCFY7.12%
SpS14.76
BVpS38.2
TBVpS12.58
PEG (NY)N/A
PEG (5Y)N/A
Graham Number43.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 0.8% | ||
| GM | 81.04% | ||
| FCFM | 20.69% |
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-Score6
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Debt/EBITDA | 441.63 | ||
| Cap/Depr | 54.58% | ||
| Cap/Sales | 3.24% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 8650.69% | ||
| Profit Quality | 2602.88% | ||
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 | ||
| Altman-Z | 0.73 |
F-Score6
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)-9.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.17%
EPS Next Y-1.17%
EPS Next 2Y6.96%
EPS Next 3Y14.03%
EPS Next 5Y19.93%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
Revenue Next Year10.85%
Revenue Next 2Y12.43%
Revenue Next 3Y13.63%
Revenue Next 5Y12.67%
EBIT growth 1Y13.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.34%
EBIT Next 3Y21.49%
EBIT Next 5Y37.8%
FCF growth 1Y61.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y60.75%
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 -1.17% in the next year.