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BILL HOLDINGS INC (BILL) Stock Fundamental Analysis

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

48.21  +1.65 (+3.54%)

After market: 48.02 -0.19 (-0.39%)

Fundamental Rating

4

BILL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 282 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.


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.
In the past 5 years BILL always reported negative net income.
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

BILL has a Return On Assets of 0.40%. This is in the better half of the industry: BILL outperforms 65.25% of its industry peers.
The Return On Equity of BILL (0.99%) is better than 67.73% of its industry peers.
Industry RankSector Rank
ROA 0.4%
ROE 0.99%
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 2.70%, BILL is doing good in the industry, outperforming 69.15% of the companies in the same industry.
BILL has a Gross Margin of 81.47%. This is amongst the best in the industry. BILL outperforms 85.46% of its industry peers.
BILL's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 2.7%
GM 81.47%
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.
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.
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

Based on the Altman-Z score of 0.77, we must say that BILL is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.77, BILL is not doing good in the industry: 65.96% of the companies in the same industry are doing better.
BILL has a debt to FCF ratio of 5.45. This is a neutral value as BILL would need 5.45 years to pay back of all of its debts.
BILL has a Debt to FCF ratio of 5.45. This is comparable to the rest of the industry: BILL outperforms 57.80% of its industry peers.
A Debt/Equity ratio of 0.43 indicates that BILL is not too dependend on debt financing.
BILL has a worse Debt to Equity ratio (0.43) than 62.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 5.45
Altman-Z 0.77
ROIC/WACCN/A
WACC9.88%
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 1.69 indicates that BILL should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.69, BILL is in line with its industry, outperforming 52.84% of the companies in the same industry.
BILL has a Quick Ratio of 1.69. 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 1.69, BILL is in line with its industry, outperforming 52.84% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 1.69
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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5

3. Growth

3.1 Past

The earnings per share for BILL have decreased by -4.24% in the last year.
The Revenue has grown by 14.52% in the past year. This is quite good.
Measured over the past years, BILL shows a very strong growth in Revenue. The Revenue has been growing by 64.12% on average per year.
EPS 1Y (TTM)-4.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-16.67%
Revenue 1Y (TTM)14.52%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%10.89%

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.
BILL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.59% yearly.
EPS Next Y-9.14%
EPS Next 2Y-2.63%
EPS Next 3Y4.64%
EPS Next 5Y14.17%
Revenue Next Year14.22%
Revenue Next 2Y13.26%
Revenue Next 3Y14.13%
Revenue Next 5Y14.59%

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 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

Based on the Price/Earnings ratio of 21.33, the valuation of BILL can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 79.43% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BILL to the average of the S&P500 Index (27.45), we can say BILL is valued slightly cheaper.
With a Price/Forward Earnings ratio of 21.73, BILL is valued on the expensive side.
BILL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 74.11% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BILL to the average of the S&P500 Index (21.90), we can say BILL is valued inline with the index average.
Industry RankSector Rank
PE 21.33
Fwd PE 21.73
BILL Price Earnings VS Forward Price EarningsBILL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BILL is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, BILL is valued cheaper than 89.01% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.8
EV/EBITDA 252.88
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-2.63%
EPS Next 3Y4.64%

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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 (7/3/2025, 7:04:51 PM)

After market: 48.02 -0.19 (-0.39%)

48.21

+1.65 (+3.54%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-20 2025-08-20/amc
Inst Owners91.97%
Inst Owner Change-2.9%
Ins Owners3.28%
Ins Owner Change9.59%
Market Cap4.97B
Analysts76.25
Price Target63.74 (32.21%)
Short Float %10.14%
Short Ratio4.46
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)24.8%
Min EPS beat(2)19.52%
Max EPS beat(2)30.07%
EPS beat(4)4
Avg EPS beat(4)23.15%
Min EPS beat(4)19.52%
Max EPS beat(4)30.07%
EPS beat(8)8
Avg EPS beat(8)25.57%
EPS beat(12)12
Avg EPS beat(12)60.87%
EPS beat(16)15
Avg EPS beat(16)52.54%
Revenue beat(2)0
Avg Revenue beat(2)-1.31%
Min Revenue beat(2)-1.33%
Max Revenue beat(2)-1.29%
Revenue beat(4)2
Avg Revenue beat(4)0.23%
Min Revenue beat(4)-1.33%
Max Revenue beat(4)2.79%
Revenue beat(8)6
Avg Revenue beat(8)1.56%
Revenue beat(12)10
Avg Revenue beat(12)3.3%
Revenue beat(16)14
Avg Revenue beat(16)5.91%
PT rev (1m)-14.12%
PT rev (3m)-27.63%
EPS NQ rev (1m)0.46%
EPS NQ rev (3m)4.31%
EPS NY rev (1m)1.82%
EPS NY rev (3m)6.86%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)-2.33%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-0.54%
Valuation
Industry RankSector Rank
PE 21.33
Fwd PE 21.73
P/S 3.49
P/FCF 15.8
P/OCF 14.38
P/B 1.28
P/tB 4.02
EV/EBITDA 252.88
EPS(TTM)2.26
EY4.69%
EPS(NY)2.22
Fwd EY4.6%
FCF(TTM)3.05
FCFY6.33%
OCF(TTM)3.35
OCFY6.95%
SpS13.81
BVpS37.57
TBVpS12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 0.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.7%
GM 81.47%
FCFM 22.09%
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 0.43
Debt/FCF 5.45
Debt/EBITDA 125.61
Cap/Depr 33.31%
Cap/Sales 2.19%
Interest Coverage N/A
Cash Conversion 2583.18%
Profit Quality 817.03%
Current Ratio 1.69
Quick Ratio 1.69
Altman-Z 0.77
F-Score7
WACC9.88%
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)-4.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-16.67%
EPS Next Y-9.14%
EPS Next 2Y-2.63%
EPS Next 3Y4.64%
EPS Next 5Y14.17%
Revenue 1Y (TTM)14.52%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%10.89%
Revenue Next Year14.22%
Revenue Next 2Y13.26%
Revenue Next 3Y14.13%
Revenue Next 5Y14.59%
EBIT growth 1Y51.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year38.14%
EBIT Next 3Y28.74%
EBIT Next 5Y38.78%
FCF growth 1Y357.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y256.36%
OCF growth 3Y292.14%
OCF growth 5YN/A