BILL HOLDINGS INC (BILL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BILL - US0900431000 - Common Stock
49.49 USD
+0.14 (+0.28%)
49.49 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BILL. BILL was compared to 280 industry peers in the Software industry. While BILL is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
In the past year BILL had a positive cash flow from operations.
In the past 5 years BILL reported 4 times negative net income.
BILL had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
BILL has a Return On Assets of 0.12%. This is comparable to the rest of the industry: BILL outperforms 58.21% of its industry peers.
BILL has a Return On Equity of 0.31%. This is in the better half of the industry: BILL outperforms 61.43% 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 has a Profit Margin of 0.80%. This is in the better half of the industry: BILL outperforms 61.43% of its industry peers.
With an excellent Gross Margin value of 81.04%, BILL belongs to the best of the industry, outperforming 84.64% 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.
BILL has less shares outstanding than it did 1 year ago.
BILL has more shares outstanding than it did 5 years ago.
BILL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.73, we must say that BILL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.73, BILL is doing worse than 64.64% of the companies in the same industry.
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's Debt to FCF ratio of 6.01 is in line compared to the rest of the industry. BILL outperforms 55.00% of its industry peers.
BILL has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
BILL's Debt to Equity ratio of 0.47 is on the low side compared to the rest of the industry. BILL is outperformed by 63.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 6.01 | ||
| Altman-Z | 0.73 |
ROIC/WACCN/A
WACC9.99%
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.
BILL has a Current ratio (1.67) which is comparable to the rest of the industry.
A Quick Ratio of 1.67 indicates that BILL should not have too much problems paying its short term obligations.
BILL has a Quick ratio (1.67) which 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%.
BILL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.63%.
Measured over the past years, BILL shows a very strong growth in Revenue. The Revenue has been growing by 56.14% on average per year.
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.
BILL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.67% yearly.
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
A Price/Earnings ratio of 22.50 indicates a rather expensive valuation of BILL.
BILL's Price/Earnings ratio is a bit cheaper when compared to the industry. BILL is cheaper than 68.93% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.98, BILL is valued at the same level.
Based on the Price/Forward Earnings ratio of 19.49, the valuation of BILL can be described as rather expensive.
Based on the Price/Forward Earnings ratio, BILL is valued a bit cheaper than 73.57% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.79. BILL is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.5 | ||
| Fwd PE | 19.49 |
4.2 Price Multiples
BILL's Enterprise Value to EBITDA is on the same level as the industry average.
BILL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BILL is cheaper than 83.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.2 | ||
| EV/EBITDA | 807.64 |
4.3 Compensation for Growth
A more expensive valuation may be justified as BILL's earnings are expected to grow with 14.03% in the coming years.
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 |
49.49
+0.14 (+0.28%)
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 Change4.54%
Market Cap5.03B
Revenue(TTM)1.50B
Net Income(TTM)11.93M
Analysts78.06
Price Target61.83 (24.93%)
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)2.88%
PT rev (3m)0.78%
EPS NQ rev (1m)3.35%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)0.77%
EPS NY rev (3m)-1.24%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-1.62%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)-0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.5 | ||
| Fwd PE | 19.49 | ||
| P/S | 3.35 | ||
| P/FCF | 16.2 | ||
| P/OCF | 14.01 | ||
| P/B | 1.3 | ||
| P/tB | 3.93 | ||
| EV/EBITDA | 807.64 |
EPS(TTM)2.2
EY4.45%
EPS(NY)2.54
Fwd EY5.13%
FCF(TTM)3.05
FCFY6.17%
OCF(TTM)3.53
OCFY7.14%
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
WACC9.99%
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.