BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BILL - US0900431000 - Common Stock
54.48 USD
-0.07 (-0.13%)
54.35 USD
-0.13 (-0.24%)
BILL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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.
1. Profitability
1.1 Basic Checks
In the past year BILL was profitable.
BILL had a positive operating cash flow in the past year.
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 0.12% is in line compared to the rest of the industry. BILL outperforms 56.16% of its industry peers.
BILL's Return On Equity of 0.31% is in line compared to the rest of the industry. BILL outperforms 59.06% 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
The Profit Margin of BILL (0.80%) is comparable to the rest of the industry.
Looking at the Gross Margin, with a value of 81.04%, BILL belongs to the top of the industry, outperforming 84.78% of the companies in the same industry.
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.
Compared to 1 year ago, BILL has less shares outstanding
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.
2.2 Solvency
BILL has an Altman-Z score of 0.77. 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 0.77. This is in the lower half of the industry: BILL underperforms 66.30% of its industry peers.
BILL has a debt to FCF ratio of 6.01. This is a slightly negative value and a sign of low solvency as BILL would need 6.01 years to pay back of all of its debts.
BILL has a Debt to FCF ratio (6.01) which is in line with its industry peers.
A Debt/Equity ratio of 0.47 indicates that BILL is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.47, BILL is doing worse than 64.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.77 |
ROIC/WACCN/A
WACC10.03%
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 50.72% of the companies in the same industry.
BILL has a Quick 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.
The Quick ratio of BILL (1.67) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
BILL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.47%.
The Revenue has grown by 11.63% in the past year. This is quite good.
BILL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 56.14% yearly.
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
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.
The Revenue is expected to grow by 12.67% on average over the next years. This is quite good.
EPS Next Y1.93%
EPS Next 2Y7.63%
EPS Next 3Y10.63%
EPS Next 5Y19.93%
Revenue Next Year10.44%
Revenue Next 2Y11.86%
Revenue Next 3Y13.12%
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
With a Price/Earnings ratio of 24.76, BILL is valued on the expensive side.
BILL's Price/Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 68.48% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. BILL is around the same levels.
With a Price/Forward Earnings ratio of 21.19, BILL is valued on the expensive side.
Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than 72.83% of the companies in the same industry.
BILL is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | 21.19 |
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.
BILL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BILL is cheaper than 81.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.58 | ||
| EV/EBITDA | 914 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)12.82
PEG (5Y)N/A
EPS Next 2Y7.63%
EPS Next 3Y10.63%
5. Dividend
5.1 Amount
BILL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
54.48
-0.07 (-0.13%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners105.07%
Inst Owner Change0%
Ins Owners11.86%
Ins Owner Change8.83%
Market Cap5.46B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target62.41 (14.56%)
Short Float %16.3%
Short Ratio5.36
Dividend
| Industry Rank | Sector 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)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)1%
PT rev (3m)3.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.82%
EPS NY rev (1m)0%
EPS NY rev (3m)3.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.76 | ||
| Fwd PE | 21.19 | ||
| P/S | 3.64 | ||
| P/FCF | 17.58 | ||
| P/OCF | 15.2 | ||
| P/B | 1.41 | ||
| P/tB | 4.27 | ||
| EV/EBITDA | 914 |
EPS(TTM)2.2
EY4.04%
EPS(NY)2.57
Fwd EY4.72%
FCF(TTM)3.1
FCFY5.69%
OCF(TTM)3.58
OCFY6.58%
SpS14.97
BVpS38.77
TBVpS12.77
PEG (NY)12.82
PEG (5Y)N/A
Graham Number43.8
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 | 0.77 |
F-Score6
WACC10.03%
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 Y1.93%
EPS Next 2Y7.63%
EPS Next 3Y10.63%
EPS Next 5Y19.93%
Revenue 1Y (TTM)11.63%
Revenue growth 3Y31.58%
Revenue growth 5Y56.14%
Sales Q2Q%10.4%
Revenue Next Year10.44%
Revenue Next 2Y11.86%
Revenue Next 3Y13.12%
Revenue Next 5Y12.67%
EBIT growth 1Y13.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year24.89%
EBIT Next 3Y24.86%
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 3 / 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 24.76 and the Price/Book (PB) ratio is 1.41.
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 1.93% in the next year.