BILL BILL Holdings, Inc. - Fundamental Analysis
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BILL Stock | Fundamental Analysis & Investment Insights
NYSE
Technology
Software - Application
Current Price
Live
$48.45
Analyst Target
$61.59
+27.1%
Upside
52W High
$100.19
52W Low
$36.55
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
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.
Key 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
Current ratio of 1.67 indicates adequate short-term liquidity
Consistent earnings beat streak: 3 out of last 4 quarters exceeded estimates
Key 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
Insider selling activity in the last 6 months suggests lack of confidence from management
Significant underperformance over 1Y (-47.5%) and 3Y (-55.4%) raises structural concerns
AI Fair Value Estimate
Based on comprehensive analysis
$61.59
+27.1% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare BILL against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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