BILL HOLDINGS INC (BILL)
US0900431000 - Common Stock
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 280 industry peers in the Software industry. BILL has an average financial health and profitability rating. BILL is quite expensive at the moment. It does show 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.
BILL had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BILL reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of BILL (0.09%) is better than 61.54% of its industry peers.
The Return On Equity of BILL (0.20%) is better than 63.74% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
BILL has a better Profit Margin (0.59%) than 63.37% of its industry peers.
Looking at the Gross Margin, with a value of 81.89%, BILL belongs to the top of the industry, outperforming 85.71% 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) | 0.59% | ||
| 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%
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
BILL has more shares outstanding than it did 5 years ago.
BILL has a better debt/assets ratio than last year.
2.2 Solvency
BILL has an Altman-Z score of 1.29. This is a bad value and indicates that BILL is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.29, BILL is not doing good in the industry: 63.74% of the companies in the same industry are doing better.
The Debt to FCF ratio of BILL is 3.14, which is a good value as it means it would take BILL, 3.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BILL (3.14) is better than 61.90% of its industry peers.
BILL has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BILL (0.23) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 3.14 | ||
| Altman-Z | 1.29 |
ROIC/WACCN/A
WACC10.77%
2.3 Liquidity
A Current Ratio of 1.53 indicates that BILL should not have too much problems paying its short term obligations.
With a Current ratio value of 1.53, BILL perfoms like the industry average, outperforming 45.05% of the companies in the same industry.
A Quick Ratio of 1.53 indicates that BILL should not have too much problems paying its short term obligations.
BILL's Quick ratio of 1.53 is in line compared to the rest of the industry. BILL outperforms 45.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
BILL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.54%, which is quite good.
BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.54%.
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)18.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.67%
Revenue 1Y (TTM)18.54%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%17.53%
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.
Based on estimates for the next years, BILL will show a quite strong growth in Revenue. The Revenue will grow by 13.97% on average per year.
EPS Next Y-22.85%
EPS Next 2Y-5.56%
EPS Next 3Y3.72%
EPS Next 5Y14.17%
Revenue Next Year14.22%
Revenue Next 2Y14.61%
Revenue Next 3Y16.08%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 36.31, BILL can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 68.86% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BILL to the average of the S&P500 Index (27.41), we can say BILL is valued slightly more expensively.
The Price/Forward Earnings ratio is 42.28, which means the current valuation is very expensive for BILL.
Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than 60.07% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, BILL is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.31 | ||
| Fwd PE | 42.28 |
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 a bit cheaper than 75.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.3 | ||
| EV/EBITDA | 1853.02 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.56%
EPS Next 3Y3.72%
5. Dividend
5.1 Amount
No dividends for BILL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BILL HOLDINGS INC
NYSE:BILL (1/3/2025, 8:22:30 PM)
After market: 88.24 0 (0%)88.24
+4.19 (+4.99%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners87.29%
Inst Owner Change-1.99%
Ins Owners3.08%
Ins Owner Change15.26%
Market Cap9.13B
Analysts76.13
Price Target94.38 (6.96%)
Short Float %5.44%
Short Ratio2.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)13.35%
PT rev (3m)36.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-19.1%
EPS NY rev (1m)2.06%
EPS NY rev (3m)12.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.31 | ||
| Fwd PE | 42.28 | ||
| P/S | 6.8 | ||
| P/FCF | 31.3 | ||
| P/OCF | 29.11 | ||
| P/B | 2.28 | ||
| P/tB | 6.76 | ||
| EV/EBITDA | 1853.02 |
EPS(TTM)2.43
EY2.75%
EPS(NY)2.09
Fwd EY2.37%
FCF(TTM)2.82
FCFY3.2%
OCF(TTM)3.03
OCFY3.43%
SpS12.98
BVpS38.78
TBVpS13.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.29 |
F-Score7
WACC10.77%
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)18.54%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.67%
EPS Next Y-22.85%
EPS Next 2Y-5.56%
EPS Next 3Y3.72%
EPS Next 5Y14.17%
Revenue 1Y (TTM)18.54%
Revenue growth 3Y75.6%
Revenue growth 5Y64.12%
Sales Q2Q%17.53%
Revenue Next Year14.22%
Revenue Next 2Y14.61%
Revenue Next 3Y16.08%
Revenue Next 5Y13.97%
EBIT growth 1Y63.12%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year17.75%
EBIT Next 3Y27.13%
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