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. BILL may be in some trouble as it scores bad on both profitability and health. BILL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year BILL was profitable.
In the past year BILL had a positive cash flow from operations.
BILL had negative earnings in 4 of the past 5 years.
Of the past 5 years BILL 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.12%, BILL perfoms like the industry average, outperforming 56.16% of the companies in the same industry.
BILL has a Return On Equity (0.31%) which is comparable to the rest of the industry.
| 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's Profit Margin of 0.80% is in line compared to the rest of the industry. BILL outperforms 57.97% of its industry peers.
BILL has a better Gross Margin (81.04%) than 84.78% 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) | 0.8% | ||
| 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
Compared to 5 years ago, BILL has more shares outstanding
Compared to 1 year ago, BILL has a worse debt to assets ratio.
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.
With a Altman-Z score value of 0.77, BILL is not doing good in the industry: 66.30% of the companies in the same industry are doing better.
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.
The Debt to FCF ratio of BILL (6.01) is comparable to the rest of the industry.
BILL has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BILL (0.47) is worse than 64.49% of its industry peers.
| 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.
BILL has a Current ratio (1.67) which is in line with its industry peers.
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.
Looking at the Quick ratio, with a value of 1.67, BILL is in line with its industry, outperforming 52.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.67 | ||
| Quick Ratio | 1.67 |
3. Growth
3.1 Past
The earnings per share for BILL have decreased by -9.47% in the last year.
Looking at the last year, BILL shows a quite strong growth in Revenue. The Revenue has grown by 11.63% in the last year.
The Revenue has been growing by 56.14% on average over the past years. This is a very strong growth!
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.
Based on estimates for the next years, BILL will show a quite strong growth in Revenue. The Revenue will grow by 12.67% on average per year.
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
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
BILL is valuated rather expensively with a Price/Earnings ratio of 24.76.
Based on the Price/Earnings ratio, BILL is valued a bit cheaper than the industry average as 68.48% of the companies are valued more expensively.
BILL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 21.19, which indicates a rather expensive current valuation of BILL.
BILL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BILL is 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 23.92, 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.
Based on the Price/Free Cash Flow ratio, BILL is valued cheaply inside the industry as 81.88% of the companies are valued more expensively.
| 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 BILL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.82
PEG (5Y)N/A
EPS Next 2Y7.63%
EPS Next 3Y10.63%
5. Dividend
5.1 Amount
No dividends for BILL!.
| 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 Change0.73%
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.