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Company Analysis

BILL Holdings, Inc. BILL

A comprehensive view of key metrics, scores, and financial health for BILL Holdings, Inc.

Overview of BILL Holdings, Inc.

BILL NYQ
Technology Software - Application Mid Cap
BILL Holdings, Inc. (BILL), is a Mid Cap company, in the Software - Application industry, last closed at $39.79, about 51.4% undervalued vs fair value, -14.6% 1Y return, ranked 210/761 in sector.
$39.79
0.35%
As of March 13, 2026
Previous close • Vol 90d: 75.8%
52-Week Range
Market Cap
$3.99B
Enterprise Value
$4.78B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bill.com
HQ San Jose, CA
Employees 2,364
Fiscal year Jun 30

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$55
$60
$67
Current: $39.79 +51% vs base

Engine Room Money Flow™

Mid Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$1.5B
13.4%%
Gross Profit
$1.2B
12.8%%
Operating Income
$-80.6M
45%%
Net Income
$23.8M
182.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
13.0x
Excellent

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$490.0M
158.2% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
5
Active Leaks
4/5
Improving
0
High Impact
3
Critical
Locked Leak
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Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating BILL Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
55
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 97% Coverage
Trade-Off Triangle Visualization A ternary plot showing BILL's balance between Growth (38.5%), Profitability (32.9%), and Safety (28.7%). Growth 38% Safety 29% Profitability 33%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

73th percentile vs peers
74
Key Signals
Revenue CAGR 3Y 31.6% 84p Rev Growth YoY 13.4% 58p EPS Growth YoY 1.84 90p TSR 6.8% 68p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (31.6%, 84th percentile)
  • Eps Growth Yoy in top 20% of peers (1.84, 90th percentile)
  • Gross Profit Margin in top 20% of peers (81.4%, 82th percentile)
  • Net Debt/Ebitda in top 20% of peers (5.49, 89th percentile)
  • Growth above peer median with strong metric coverage (90%)
Risks

No significant risks identified for this axis.

Profitability

62th percentile vs peers
63
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
55
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for BILL Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$60.25
- - -
+51.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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