BILL
NEUTRAL
$48.45
Live
BILL Holdings, Inc. · NYSE
Target $61.59
(+27.1%)
$36.55
52W Range
$100.19
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$4.86B
P/E
N/A
ROE
0.3%
Profit margin
0.8%
Debt/Equity
0.49
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
65%
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 analysis across 5 key categories
Overall
47
Moderate
70
62
55
48
0
AI Verdict
Cautiously optimistic with significant financial health concerns
Key drivers: Revenue growth and margin strength, Analyst target upside, Low Piotroski score, Insider selling, Negative profitability metrics
Confidence
65%
Value
70/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 18.89 is attractive vs sector avg of 85.33
- Price/Sales of 3.24 is reasonable for software firm
- Price/Book of 1.27 suggests limited asset overvaluation
Watchpoints
- No Graham Number available limits value confirmation
- P/E is N/A due to inconsistent earnings
Future
62/100
Ref Growth rates
Positives
- 10.4% YoY revenue growth
- Q/Q EPS growth of +15.1%
- Analyst target implies 27% upside
Watchpoints
- Earnings growth YoY is negative (-3.2%)
- No PEG ratio due to unstable earnings
Past
55/100
Ref Historical trends
Positives
- Long streak of earnings surprises (20+ quarters)
- Recent EPS progression shows improvement from negative to positive
Watchpoints
- 5Y price return of -62.2% indicates poor investor returns
- History of negative earnings until recently
Health
48/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity of 0.49 is manageable
- Current ratio of 1.67 supports short-term obligations
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- ROE of 0.30% and ROA of -0.55% show poor capital efficiency
- Quick ratio of 0.71 below 1.0 threshold
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout history
- Dividend strength score of 0/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$48.45
Analyst Target
$61.59
Upside/Downside
+27.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BILL and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BILL
BILL Holdings, Inc.
Primary
|
-62.2% | -55.4% | -47.5% | +5.5% | -12.3% | +4.0% |
|
ONDS
Ondas Inc.
Peer
|
+23.8% | +883.3% | +1047.6% | +5.5% | -4.8% | +6.1% |
|
ESTC
Elastic N.V.
Peer
|
-64.0% | -17.4% | -43.5% | -47.4% | -7.1% | -2.4% |
|
PONY
Pony AI Inc.
Peer
|
-8.6% | -8.6% | +133.9% | -46.3% | -1.6% | +17.1% |
|
EXLS
ExlService Holdings, Inc.
Peer
|
+63.4% | -14.8% | -31.7% | -26.7% | +1.8% | -4.5% |
BIL
BILL Holdings, Inc.
Primary
5Y
-62.2%
3Y
-55.4%
1Y
-47.5%
6M
+5.5%
1M
-12.3%
1W
+4.0%
OND
Ondas Inc.
Peer
5Y
+23.8%
3Y
+883.3%
1Y
+1047.6%
6M
+5.5%
1M
-4.8%
1W
+6.1%
EST
Elastic N.V.
Peer
5Y
-64.0%
3Y
-17.4%
1Y
-43.5%
6M
-47.4%
1M
-7.1%
1W
-2.4%
PON
Pony AI Inc.
Peer
5Y
-8.6%
3Y
-8.6%
1Y
+133.9%
6M
-46.3%
1M
-1.6%
1W
+17.1%
EXL
ExlService Holdings, Inc.
Peer
5Y
+63.4%
3Y
-14.8%
1Y
-31.7%
6M
-26.7%
1M
+1.8%
1W
-4.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
18.89
PEG Ratio
N/A
P/B Ratio
1.27
P/S Ratio
3.24
EV/Revenue
2.97
EV/EBITDA
-408.33
Market Cap
$4.86B
Profitability
Profit margins and return metrics
Profit Margin
0.8%
Operating Margin
-2.99%
Gross Margin
83.85%
ROE
0.3%
ROA
-0.55%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.4%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.49
Low debt
Current Ratio
1.67
Good
Quick Ratio
0.71
Poor
Cash/Share
$23.11
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-05
$N/A
2025-11-06
$0.61
+20.8% surprise
2025-08-27
$0.53
+30.1% surprise
2025-05-08
$0.5
+33.6% surprise
Technology Sector Comparison
Comparing BILL against 565 companies in the Technology sector
(45 bullish, 197 neutral, 323 bearish)
Return on Equity (ROE)
0.3%
This Stock
vs
-33.47%
Sector Avg
-100.9%
(Below Avg)
Profit Margin
0.8%
This Stock
vs
-11.75%
Sector Avg
-106.8%
(Weaker)
Debt to Equity
0.49
This Stock
vs
0.74
Sector Avg
-33.5%
(Less Debt)
Revenue Growth
10.4%
This Stock
vs
4383.21%
Sector Avg
-99.8%
(Slower)
Current Ratio
1.67
This Stock
vs
3.59
Sector Avg
-53.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BILL
BILL Holdings, Inc.
|
NEUTRAL | $4.86B | - | 0.3% | 0.8% | $48.45 | |
|
ONDS
Ondas Inc.
|
BEARISH | $4.83B | - | -52.6% | -260.2% | $10.03 | Compare |
|
ESTC
Elastic N.V.
|
BEARISH | $4.8B | - | -10.2% | -5.0% | $46.4 | Compare |
|
PONY
Pony AI Inc.
|
NEUTRAL | $4.76B | - | -5.7% | -148.9% | $10.97 | Compare |
|
EXLS
ExlService Holdings, Inc.
|
BULLISH | $4.75B | 19.73 | 27.2% | 12.0% | $30.38 | Compare |
BILL
BILL Holdings, Inc.
NEUTRAL
Mkt Cap
$4.9B
P/E
-
ROE
0.3%
Price
$48.45
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-15 | GOHMAN KERI | Director | Stock Award | 1,531 | - |
| 2026-01-15 | WERNIKOFF DANIEL A | Director | Stock Award | 1,531 | - |
| 2025-12-05 | LACERTE RENE A | Chief Executive Officer | Gift | 15,190 | - |
| 2025-12-05 | REICH TINA | Director | Stock Award | 2,095 | - |
| 2025-12-05 | WAGONFELD ALISON | Director | Stock Award | 2,095 | - |
| 2025-12-05 | JACOBS BRIAN DAVID | Director | Stock Award | 2,095 | - |
| 2025-12-05 | ALVAREZ AIDA M | Director | Stock Award | 2,095 | - |
| 2025-12-05 | KLINE KATHERINE M. A. | Director | Stock Award | 2,095 | - |
| 2025-12-05 | CAKEBREAD STEVEN MARK | Director | Stock Award | 2,095 | - |
| 2025-12-05 | HORNIK DAVID M | Director | Stock Award | 2,095 | - |
| 2025-12-05 | MNOOKIN ALLISON H | Director | Stock Award | 2,095 | - |
| 2025-12-04 | RETTIG JOHN R | Chief Operating Officer | Gift | 10,500 | - |
| 2025-12-02 | COTA GERMAINE | Officer | Sale | 1,104 | $56,558 |
| 2025-11-28 | COTA GERMAINE | Officer | Stock Award | 3,726 | - |
| 2025-11-28 | RETTIG JOHN R | Chief Operating Officer | Stock Award | 28,002 | - |
GOHMAN KERI
Director
2026-01-15
1,531 shares
WERNIKOFF DANIEL A
Director
2026-01-15
1,531 shares
LACERTE RENE A
Chief Executive Officer
2025-12-05
15,190 shares
REICH TINA
Director
2025-12-05
2,095 shares
WAGONFELD ALISON
Director
2025-12-05
2,095 shares
JACOBS BRIAN DAVID
Director
2025-12-05
2,095 shares
ALVAREZ AIDA M
Director
2025-12-05
2,095 shares
KLINE KATHERINE M. A.
Director
2025-12-05
2,095 shares
CAKEBREAD STEVEN MARK
Director
2025-12-05
2,095 shares
HORNIK DAVID M
Director
2025-12-05
2,095 shares
MNOOKIN ALLISON H
Director
2025-12-05
2,095 shares
RETTIG JOHN R
Chief Operating Officer
2025-12-04
10,500 shares
COTA GERMAINE
Officer
2025-12-02
1,104 shares
·
$56,558
COTA GERMAINE
Officer
2025-11-28
3,726 shares
RETTIG JOHN R
Chief Operating Officer
2025-11-28
28,002 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
22 analysts
Citigroup
2026-01-22
Buy
Buy
Keefe, Bruyette & Woods
2026-01-02
Market Perform
Market Perform
BTIG
2025-12-12
Buy
Buy
Needham
2025-11-24
Buy
Buy
Truist Securities
2025-11-19
Buy
Buy
JP Morgan
2025-11-07
Overweight
Overweight
UBS
2025-11-07
Buy
Buy
Susquehanna
2025-11-07
Positive
Positive
BMO Capital
2025-11-07
Market Perform
Market Perform
Keefe, Bruyette & Woods
2025-11-07
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning BILL from our newsroom.
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