BILL HOLDINGS INC (BILL)
US0900431000 - Common Stock
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 279 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.
In the past year BILL had a positive cash flow from operations.
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
BILL's Return On Assets of 0.09% is fine compared to the rest of the industry. BILL outperforms 63.08% of its industry peers.
BILL's Return On Equity of 0.20% is fine compared to the rest of the industry. BILL outperforms 65.23% 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 65.23% of its industry peers.
BILL has a better Gross Margin (81.89%) than 86.38% 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) | 0.59% | ||
| 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.
The number of shares outstanding for BILL has been reduced compared to 1 year ago.
Compared to 5 years ago, BILL has more shares outstanding
Compared to 1 year ago, BILL has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.31, we must say that BILL is in the distress zone and has some risk of bankruptcy.
BILL's Altman-Z score of 1.31 is on the low side compared to the rest of the industry. BILL is outperformed by 61.65% of its industry peers.
BILL has a debt to FCF ratio of 3.14. This is a good value and a sign of high solvency as BILL would need 3.14 years to pay back of all of its debts.
BILL's Debt to FCF ratio of 3.14 is fine compared to the rest of the industry. BILL outperforms 63.44% 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 | 1.31 |
ROIC/WACCN/A
WACC11.22%
2.3 Liquidity
A Current Ratio of 1.53 indicates that BILL should not have too much problems paying its short term obligations.
The Current ratio of BILL (1.53) is comparable to the rest of the 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 45.52% 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.
Looking at the last year, BILL shows a quite strong growth in Revenue. The Revenue has grown by 18.54% in the last year.
The Revenue has been growing by 64.12% on average over the past years. This is a very strong growth!
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
Based on estimates for the next years, BILL will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.17% on average per year.
BILL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.15% yearly.
EPS Next Y-32.43%
EPS Next 2Y-6.5%
EPS Next 3Y2.83%
EPS Next 5Y14.17%
Revenue Next Year12.68%
Revenue Next 2Y14.21%
Revenue Next 3Y15.7%
Revenue Next 5Y13.15%
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
The Price/Earnings ratio is 37.03, which means the current valuation is very expensive for BILL.
BILL's Price/Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 69.89% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.96. BILL is valued slightly more expensive when compared to this.
Based on the Price/Forward Earnings ratio of 43.98, the valuation of BILL can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BILL is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.82, BILL is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.03 | ||
| Fwd PE | 43.98 |
4.2 Price Multiples
BILL's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BILL indicates a somewhat cheap valuation: BILL is cheaper than 75.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.91 | ||
| EV/EBITDA | 1894.76 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.5%
EPS Next 3Y2.83%
5. Dividend
5.1 Amount
BILL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BILL HOLDINGS INC
NYSE:BILL (11/21/2024, 8:15:04 PM)
Premarket: 91.32 +1.34 (+1.49%)89.98
+2.12 (+2.41%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap9.31B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.03 | ||
| Fwd PE | 43.98 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.09% | ||
| ROE | 0.2% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 0.59% | ||
| GM | 81.89% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)18.54%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y-32.43%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.54%
Revenue growth 3Y75.6%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y