No connection

Search Results

BILL vs EXLS

BILL
BILL Holdings, Inc.
NEUTRAL
Price
$48.45
Market Cap
$4.86B
Sector
Technology
AI Confidence
65%
EXLS
ExlService Holdings, Inc.
BULLISH
Price
$30.55
Market Cap
$4.85B
Sector
Technology
AI Confidence
65%

Valuation

P/E Ratio
BILL
--
EXLS
19.84
Forward P/E
BILL
18.89
EXLS
12.48
P/B Ratio
BILL
1.27
EXLS
5.24
P/S Ratio
BILL
3.24
EXLS
2.32
EV/EBITDA
BILL
-408.33
EXLS
13.51

Profitability

Gross Margin
BILL
83.85%
EXLS
38.37%
Operating Margin
BILL
-2.99%
EXLS
14.36%
Profit Margin
BILL
0.8%
EXLS
12.02%
ROE
BILL
0.3%
EXLS
27.25%
ROA
BILL
-0.55%
EXLS
11.8%

Growth

Revenue Growth
BILL
10.4%
EXLS
12.7%
Earnings Growth
BILL
--
EXLS
19.2%

Financial Health

Debt/Equity
BILL
0.49
EXLS
0.44
Current Ratio
BILL
1.67
EXLS
2.56
Quick Ratio
BILL
0.71
EXLS
2.22

Dividends

Dividend Yield
BILL
--
EXLS
--
Payout Ratio
BILL
0.0%
EXLS
0.0%

AI Verdict

BILL NEUTRAL

BILL Holdings has a weak financial health profile with a Piotroski F-Score of 4/9, indicating borderline stability, and lacks an Altman Z-Score for definitive distress risk assessment. Despite solid revenue growth of 10.4% and strong gross margins of 83.85%, profitability remains fragile with negative operating and return metrics. The stock trades below analyst target of $61.59, suggesting upside potential, but weak recent price performance and insider selling raise caution. While valuation multiples are reasonable relative to sector averages, inconsistent earnings and lack of cash flow data limit confidence in a strong recovery.

Strengths
Strong gross margin of 83.85% indicates pricing power and low cost of revenue
Revenue growth of 10.4% YoY outpaces several peers in the software sector
Forward P/E of 18.89 is below sector average of 85.33, suggesting relative value
Risks
Piotroski F-Score of 4/9 signals weak financial health and operational instability
Negative operating margin (-2.99%) and ROA (-0.55%) reflect ongoing profitability challenges
Quick ratio of 0.71 indicates potential liquidity pressure if receivables are not collected promptly
EXLS BULLISH

EXLS shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 9/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong financial trend (Piotroski F-Score: 9/9)
Low debt with D/E ratio of 0.44
Strong ROE of 27.2%
Risks
Premium vs Graham Number ($14.22)

Compare Another Pair

BILL vs EXLS: Head-to-Head Comparison

This page compares BILL Holdings, Inc. (BILL) and ExlService Holdings, Inc. (EXLS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile