BILL$51.92
$52.0
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AI BILL Summary
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Powered by LiveAIOverall Analysis
NeutralBILL Holdings presents a mixed investment profile. It exhibits strong revenue growth and positive free cash flow, but its profitability is inconsistent, and current valuation metrics are high. Technical indicators suggest a bearish short-term trend, warranting caution.
Thematic
BILL Holdings is well-positioned to benefit from secular tailwinds in digital transformation, financial automation for SMBs, and cloud-based payment solutions.
Fundamental
BILL Holdings shows strong revenue growth and healthy gross margins. However, the company has struggled with consistent profitability, often reporting net losses, and its P/S ratio is high.
Technical
The stock has experienced significant price depreciation over the past year and exhibits bearish signals across most short-term and medium-term technical indicators.
| Factor | Score |
|---|---|
| Digital Transformation & Automation | 90 |
| Financial Technology (FinTech) | 85 |
| Small and Mid-sized Business (SMB) Focus | 80 |
| AI Integration | 70 |
| Regulatory Environment | 50 |
| Factor | Score |
|---|---|
| Valuation | 40 |
| Profitability | 20 |
| Growth | 80 |
| Balance Sheet Health | 70 |
| Cash Flow | 75 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 40 |
| Moving Averages | 35 |
| Volume Confirmation | 50 |
| Support & Resistance | 50 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Improving Earnings Trend
EPS surprises have been consistently positive for the last several quarters, with the latest quarter showing a surprise of 32.67% (0.50 reported vs. 0.38 estimate).
Positive Revenue Growth and Valuation
The Price-to-Sales (P/S) ratio for TTM is 4.3, and with a revenue of $1.08 billion and projected growth, the valuation appears reasonable given the company's market position.
Bearish Points (7)
High Valuation Multiples
The trailing Price-to-Earnings (P/E) ratio is 151.0, which is significantly higher than the industry average, suggesting potential overvaluation and high growth expectations.
Negative Earnings Per Share (TTM)
The EPS for the trailing twelve months (TTM) is -0.02, indicating the company is not currently profitable on a per-share basis.
Calendar
August 2025
21
Next Earnings Date
H: $0.43
A: $0.41
L: $0.35
H: 379.00M
A: 376.43M
L: 372.50M
Profile
BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. The company provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable businesses to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve office efficiency. It also offers onboarding implementation support, and ongoing support and training services. In addition, the company's artificial intelligence enabled financial software platform provides connections between suppliers and clients. It serves accounting firms, financial institutions, and software companies. The company was formerly known as Bill.com Holdings, Inc. and changed its name to BILL Holdings, Inc. in February 2023. BILL Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.
Seasonals
Price Target
59.92 USD
The 39 analysts offering 1 year price forecasts for BILL have a max estimate of 89.00 and a min estimate of 49.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
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Weight: 90
Direct cloud-based accounting software competitor for SMBs, offering similar features for invoicing, expense management, and financial reporting.
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Provides payment solutions, invoicing tools, and financial services for businesses and individuals, overlapping with Bill.com in payment processing and B2B transactions.