BILL

BILL Holdings Inc

52.96

Nov 06 • 11:52 AM ET +2.07 (4.06%)

Technology Software - Application USA Mid NYSE

Nov 05, 6:37 PMBILL beats Q1 FY27 outlook with EPS $1.18 and margin upside, raises FY27 GAAP profit guidance on AI-driven efficiencies

Peers: NAVN INTU BL EXFY CPAY PAY WEX PAYO FISV MQ

| Held by: IJH VTI VGT VB DFSV VBK VXF DFAS MDY SCHA

Scroll to Statements

Index	-
Market Cap	4.55B
Enterprise Value	4.70B
Income	51.98M
Sales	1.61B
Book/sh	38.35
Cash/sh	20.20
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	-
Employees	1683
IPO	Dec 12, 2019

P/E	88.63
Forward P/E	11.73
PEG	0.48
P/S	2.82
P/B	1.38
P/C	2.62
P/FCF	12.32
EV/EBITDA	21.46
EV/Sales	2.91
Quick Ratio	1.51
Current Ratio	1.50
Debt/Eq	0.57
LT Debt/Eq	0.53
Option/Short	Yes / Yes

EPS (ttm)	0.60
EPS next Y	4.51
EPS next Q	0.94
EPS this Y	41.84%
EPS next Y	14.89%
EPS next 5Y	24.52%
EPS past 3/5Y	62.37% 37.63%
Sales past 3/5Y	16.02% 47.32%
EPS Y/Y TTM	-150.40%
Sales Y/Y TTM	7.42%
EPS Q/Q	2471.13%
Sales Q/Q	-10.60%
Earnings	Nov 05 AMC
EPS/Sales Surpr.	20.59% -19.34%

Insider Own	14.11%
Insider Trans	-2.69%
Inst Own	106.43%
Inst Trans	-6.21%
ROA	0.52%
ROE	1.45%
ROIC	1.03%
Gross Margin	76.25%
Oper. Margin	6.51%
Profit Margin	3.23%
SMA20	9.25%
SMA50	12.01%
SMA200	24.15%
Trades

Shs Outstand	85.87M
Shs Float	73.75M
Short Float	14.73%
Short Ratio	5.94
Short Interest	10.86M
52W High	57.21 -7.44%
52W Low	31.41 68.59%
Volatility	4.55% 3.89%
ATR (14)	2.04
RSI (14)	67.46
Beta	1.05
Rel Volume	1.11
Avg Volume	1.83M
Volume	803,493

Perf Week	9.61%
Perf Month	17.73%
Perf Quarter	7.50%
Perf Half Y	26.60%
Perf YTD	-2.91%
Perf Year	19.35%
Perf 3Y	-13.81%
Perf 5Y	-84.17%
Perf 10Y	-
Recom	1.80
Target Price	58.19
Prev Close	50.89
Price	52.96
Change %	4.06%

Consensus

Buy

Avg. Price Target

$58.19

Implied Upside

+9.9%

Analysts13incl. previous ratings

Rating Distribution7 Buy · 6 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Jun 22, 2026	Initiated	TTD Cowen	Buy	$43	-18.8%
Jun 10, 2026	Downgrade	TTruist	Buy → Hold	$35	-33.9%
May 08, 2026	Reiterated	BBMO Capital Markets	Market Perform	$43 → $46	-13.1%
Feb 06, 2026	Reiterated	BBMO Capital Markets	Market Perform	$50 → $46	-13.1%
Nov 07, 2025	Reiterated	BBMO Capital Markets	Market Perform	$56 → $54	+2.0%
Oct 23, 2025	Initiated	CCitigroup	Buy	$71	+34.1%
Sep 19, 2025	Upgrade	TTruist	Hold → Buy	$63	+19.0%
Sep 11, 2025	Upgrade	WWolfe Research	Peer Perform → Outperform	$70	+32.2%
Aug 28, 2025	Downgrade	PPiper Sandler	Overweight → Neutral	$50	-5.6%
Jul 17, 2025	Resumed	DDeutsche Bank	Hold	$49	-7.5%
Jun 11, 2025	Downgrade	MMorgan Stanley	Overweight → Equal-Weight	$55	+3.9%
Jun 02, 2025	Initiated	TTruist	Hold	$47	-11.2%
Apr 30, 2025	Resumed	BBTIG Research	Buy	$60	+13.3%
Apr 17, 2025	Downgrade	SSeaport Research Partners	Buy → Neutral
Jan 16, 2025	Upgrade	MMorgan Stanley	Equal-Weight → Overweight	$95	+79.4%
Jan 10, 2025	Upgrade	GGoldman	Neutral → Buy	$104	+96.4%
Dec 18, 2024	Upgrade	KKeyBanc Capital Markets	Sector Weight → Overweight	$115	+117.2%
Sep 12, 2024	Upgrade	EExane BNP Paribas	Neutral → Outperform	$90	+70.0%
Aug 26, 2024	Reiterated	BBMO Capital Markets	Market Perform	$75 → $57	+7.6%
Aug 23, 2024	Downgrade	GGoldman	Buy → Neutral	$86 → $54	+2.0%

Nov-05-26 06:48PM	BILL's Profit Beat And Raised Earnings Outlook Collide With A Headline Revenue Miss Created By An Accounting Change And Slowing Card Growth (Earnings Whispers)
04:47PM	BILL Holdings: Fiscal Q1 Earnings Snapshot (Associated Press)
04:01PM	BILL Reports First Quarter Fiscal Year 2027 Financial Results (Business Wire)
Nov-03-26 04:05PM	BILL to Participate in Upcoming Investor Conferences (Business Wire)
Nov-02-26 04:01PM	Oppenheimer previews top SMid-Cap SaaS stocks ahead of Q3 earnings (Investing.com)
06:47PM	Loading…
Oct-28-26 06:47PM	BILL's Margin Machine Meets Its First Test Of Slower Growth And Sales Reset (Earnings Whispers)
Oct-21-26 08:55AM	BILL Recognized as a 2026 Inc. Power Partner Award Winner for the Fourth Consecutive Year (Business Wire)
Oct-20-26 08:00AM	Visa, BILL and Billtrust Launch First Live Pilot for Trusted AI Agent Payments Between Buyer and Supplier Platforms (Business Wire) +7.44%
Oct-19-26 08:55AM	BILL Launches New Suite of AI Capabilities to Put Finance Teams in Control of AI and Protect Every Dollar (Business Wire)
08:50AM	BILL Surpasses $2 Trillion in Cumulative Total Payment Volume (Business Wire)
Oct-15-26 09:48AM	Can Alphabet Afford Its Spending Bill? (Trefis) +6.20%
Oct-14-26 03:17PM	Can Royal Caribbean Afford Its Spending Bill? (Trefis)
Oct-13-26 09:50PM	Can Uniti Afford Its Spending Bill? (Trefis)
04:05PM	BILL to Report Fiscal First Quarter 2027 Financial Results (Business Wire)
Sep-29-26 09:45AM	BILL and Blackbaud Partner to Simplify Vendor Payments for Nonprofit and Education Finance Teams (Business Wire)
04:35PM	Loading…
Sep-18-26 04:35PM	Should Caterpillar's Tariff Bill Worry You More Than Its Backlog? (Trefis)
Sep-11-26 03:27PM	How Far Could Meta Stock Swing While Its Data Center Bill Climbs? (Trefis)
Sep-04-26 01:14PM	Does Google Stock's Cloud Margin Justify Its AI Bill? (Trefis)
Sep-02-26 04:05PM	BILL to Participate in Upcoming Investor Conference (Business Wire)
Aug-31-26 02:51PM	The Bill For Oracle's AI Build Arrived Before The Revenue (Trefis)
Aug-21-26 01:41PM	Coinbase Stock Surged On A Bill Its Own CEO Says It Can Live Without (Trefis)
Aug-20-26 06:00AM	BILL shares rise as Q4 profitability improves despite softer FY27 growth outlook (InvestorsHub)
01:02AM	BILL Holdings Inc (BILL) (Q4 2026) Earnings Call Highlights: AI-Driven Growth and Margin ... (GuruFocus.com)
Aug-19-26 05:43PM	BILL posts stronger Q4 revenue, profit growth but sees slower FY27; stock gains (Investing.com)
04:23PM	BILL Holdings: Fiscal Q4 Earnings Snapshot (Associated Press)
04:01PM	BILL Reports Fourth Quarter and Fiscal Year 2026 Financial Results (Business Wire)
05:13AM	Target leads retailer earnings on Wednesday (MarketWatch)
Aug-13-26 06:52PM	CoreWeave Is Winning On Price And Racing Its Own Interest Bill (Trefis) +5.36%
Aug-12-26 08:45AM	Apple Stock's Biggest Risk Is The Memory Bill, Not Demand (Trefis)
Aug-11-26 11:31AM	NVIDIA's Falling Multiple Is A Bill, Not A Bargain (Trefis)
11:07AM	Loading…
Aug-07-26 11:07AM	Microsoft Stock's Peak Margin And Its Azure Bill Are The Same Story (Trefis)
Aug-05-26 11:38AM	The Biggest Risk To Meta Platforms Stock Is A Bill Without A Payback Date (Trefis)
11:11AM	Palantir Is Signing Work Faster Than It Can Bill It (Trefis)
10:17AM	Apple's Buyback Is Retiring Less Stock Just As The Memory Bill Grows (Trefis)
Aug-03-26 08:39AM	Apple's Record Quarter Ran Into A Memory Bill (Trefis)
Jul-31-26 10:51AM	Amazon.com Stock Is Priced For The Bill, Not The Payback (Trefis)
Jul-30-26 10:59AM	Intel Stock's Biggest Risk Is A Foundry Bill Due Long Before The Customers (Trefis)
Jul-28-26 02:43PM	Why General Motors Stock Could Keep Climbing As A One-Time Bill Fades (Trefis)
Jul-22-26 04:05PM	BILL to Report Fiscal Fourth Quarter and Fiscal 2026 Financial Results (Business Wire) -5.35%
Jul-14-26 09:06AM	FuelCell's Big Partnership Couldn't Outrun Its Big Bill (Trefis)
Jun-25-26 04:05PM	BILL Names Jonathan Leaf as Chief Revenue Officer to Accelerate Growth and Elevate Customer Experience (Business Wire) +6.41%
Jun-22-26 09:30AM	SpaceX initiation, Apple downgrade among today's top calls on Wall Street (The Fly)
Jun-10-26 12:57PM	Truist reshuffles fintech picks, downgrades BILL and upgrades Global-e (Investing.com)
09:42AM	Nike downgraded, Oscar Health upgraded: Wall Street's top analyst calls (The Fly)
Jun-02-26 11:45AM	Precoro Announces API Integration with BILL to Deliver Intelligent Financial Automation to Mid-Market Organizations (Newsfile)
May-29-26 06:25PM	Nvidia Continues to Be the Core Engine of AI, Says Analyst. Plus, Walmart and 4 More Stocks. (Barrons.com) +6.23% +6.73%
May-27-26 04:05PM	BILL to Participate in Upcoming Investor Conference (Business Wire)
May-26-26 04:05PM	BILL Announces Executive Leadership Appointments and Organizational Updates to Support Next Phase of Growth (Business Wire)
May-21-26 04:23PM	Elliott Management Exits Two Tech Stocks and Boosts Its Hewlett Packard Enterprise Stake (Barrons.com)
May-12-26 04:05PM	BILL to Participate in Upcoming Investor Conference (Business Wire)
May-07-26 08:17PM	AI is coming for your job after all. These new announcements prove it. (MarketWatch) +11.07%
05:16PM	BILL Holdings: Fiscal Q3 Earnings Snapshot (Associated Press)
04:01PM	BILL Reports Third Quarter Fiscal Year 2026 Financial Results and Announces $1.0 Billion Share Repurchase Authorization (Business Wire)
Apr-28-26 08:55AM	BILL Launches New Travel Offering to Help SMBs Take Control of Travel Spend (Business Wire)
Apr-22-26 04:05PM	BILL to Report Fiscal Third Quarter 2026 Financial Results (Business Wire) -8.44%
Apr-08-26 08:55AM	BILL Extends Supplier Payments to Power a Connected B2B Ecosystem and Help Large Enterprise Suppliers Get Paid Up to ~7 Days Faster (Business Wire)
Mar-05-26 11:35PM	1 Cash-Heavy Stock with Impressive Fundamentals and 2 We Find Risky (StockStory)
Mar-04-26 04:12AM	Bill open to M&A deals, CEO says (Payments Dive)
Mar-03-26 10:34PM	Finance and HR Software Stocks Q4 In Review: BILL (NYSE:BILL) Vs Peers (StockStory)
Mar-02-26 08:55AM	BILL and Rillet Partner to Power Real-Time, AI-Native Finance Workflows (Business Wire)
Mar-01-26 10:04AM	Truist Raises Target on BILL Holdings (BILL), Keeps Buy Rating (Insider Monkey)
Feb-27-26 03:17PM	Are Options Traders Betting on a Big Move in BILL Stock? (Zacks)
01:27PM	Intuit Tops Q2 Earnings, Reaffirms FY26 Growth Outlook Amid AI Push (Zacks)
12:30PM	Intuit Q2 Earnings Surpass Estimates, Segment Revenues Rise (Zacks)
09:55AM	Block Stock Soars as Q4 Earnings Meet Estimates, Revenues Increase Y/Y (Zacks)
09:50AM	Why BILL Holdings (BILL) is a Top Momentum Stock for the Long-Term (Zacks)
Feb-16-26 11:39PM	3 Unprofitable Stocks with Questionable Fundamentals (StockStory)
Feb-12-26 11:38PM	3 Value Stocks with Questionable Fundamentals (StockStory)
04:05PM	BILL to Participate in Upcoming Investor Conferences (Business Wire)
04:35AM	Bill weighs the best path to profits (Payments Dive)
12:40AM	The 5 Most Interesting Analyst Questions From BILL's Q4 Earnings Call (StockStory)
Feb-10-26 10:53AM	nVent Electric Shares Rise on Q4 Earnings and Revenue Beat (Zacks)
Feb-09-26 11:31PM	3 Small-Cap Stocks Walking a Fine Line (StockStory)
06:23AM	Stocks Set for Muted Open as Bond Yields Climb, Key U.S. Economic Data Awaited (Barchart)
04:17AM	Hellman & Friedman reportedly in discussions to buy Bill Holdings (Electronic Payments)
Feb-06-26 03:50PM	Why BILL (BILL) Stock Is Up Today (StockStory) +37.16%
01:25PM	Tech Bounces As Software Sell-Off Eases, Dow Jones Hits Records: What's Moving Markets Friday? (Benzinga)
11:48AM	BILL Holdings Q2 Earnings Beat Estimates on Core Strength & Higher TPV (Zacks)
08:35AM	ASYS Stock Plunges 27% After Q1 Earnings & Revenues Miss Estimates (Zacks)
08:31AM	MTSI Q1 Earnings Surpass Expectations, Revenues Rise Y/Y (Zacks)
04:27AM	BILL Q2 Earnings Call Highlights (MarketBeat)
12:36AM	BILL Q4 Deep Dive: AI Investments and Product Expansion Drive Revenue Acceleration (StockStory)
12:04AM	BILL Holdings Inc (BILL) Q2 2026 Earnings Call Highlights: Strong Revenue Growth and Strategic ... (GuruFocus.com)
Feb-05-26 08:00PM	Here's What Key Metrics Tell Us About BILL Holdings (BILL) Q2 Earnings (Zacks)
05:15PM	BILL Holdings (BILL) Beats Q2 Earnings and Revenue Estimates (Zacks)
05:03PM	BILL (NYSE:BILL) Beats Expectations in Strong Q4 CY2025, Stock Jumps 12.2% (StockStory)
04:12PM	BILL Holdings: Fiscal Q2 Earnings Snapshot (Associated Press Finance)
04:01PM	BILL Reports Second Quarter Fiscal Year 2026 Financial Results (Business Wire)
Feb-04-26 08:52AM	AMETEK Q4 Earnings Surpass Expectations, Revenues Rise Y/Y (Zacks)
Feb-03-26 10:16PM	BILL (BILL) To Report Earnings Tomorrow: Here Is What To Expect (StockStory) -10.98%
03:30PM	BILL, American Express Global Business Travel, and DigitalOcean Shares Are Falling, What You Need To Know (StockStory)
09:15AM	Seeking Clues to BILL Holdings (BILL) Q2 Earnings? A Peek Into Wall Street Projections for Key Metrics (Zacks)
Feb-02-26 05:15PM	Palantir Technologies Inc. (PLTR) Q4 Earnings and Revenues Beat Estimates (Zacks)
Jan-29-26 06:00PM	AppFolio (APPF) Q4 Earnings and Revenues Top Estimates (Zacks) -6.79%
09:29AM	Lam Research Q2 Earnings Surpass Expectations, Revenues Rise Y/Y (Zacks)
Jan-22-26 07:30AM	These stocks could be big winners from Trump's 'populism' push, according to Citi (MarketWatch) +5.41%
Jan-18-26 11:36PM	3 of Wall Street's Favorite Stocks with Open Questions (StockStory)
Jan-13-26 04:05PM	BILL to Report Fiscal Second Quarter 2026 Financial Results (Business Wire)
Jan-09-26 02:28PM	3 Stocks That Benefit if Companies Cut Costs in 2026 (MarketBeat)
Jan-08-26 09:30AM	Parnassus Core Equity Fund Reestablished a Position in BILL Holdings (BILL). Here's Why (Insider Monkey)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
JOHN RETTIG	Officer	Sep 09 '26	Proposed Sale	47.60	19,893	946,907		Sep 09 04:21 PM
Lacerte Rene A.	CEO	Sep 02 '26	Sale	48.42	141,256	6,839,247	0	Sep 04 05:01 PM
Lacerte Rene A.	CEO	Sep 02 '26	Sale	48.42	73,739	3,570,252	60,854	Sep 04 05:01 PM
Lacerte Rene A.	CEO	Sep 03 '26	Sale	50.17	42,248	2,119,755	163,125	Sep 04 05:01 PM
Nene Irrevocable Trust	Director	Sep 03 '26	Proposed Sale	48.76	21,124	1,030,006		Sep 03 04:32 PM
Ilio Irrevocable Trust	Director	Sep 03 '26	Proposed Sale	48.76	21,124	1,030,006		Sep 03 04:32 PM
MAKAHAKAMA TRUST U/A DTD 02/15	Director	Sep 02 '26	Proposed Sale	47.62	38,739	1,844,751		Sep 02 05:05 PM
RENE A LACERTE	Director	Sep 02 '26	Proposed Sale	47.62	141,256	6,726,611		Sep 02 04:55 PM
MAKAHAKAMA FOUNDATION	Director	Sep 02 '26	Proposed Sale	47.62	35,000	1,666,700		Sep 02 04:28 PM
Cieri Michael	Chief Product Officer	Aug 31 '26	Sale	49.13	10,754	528,385	997	Sep 01 05:26 PM
Jain Rohini	Chief Financial Officer	Sep 01 '26	Sale	47.91	33,470	1,603,394	0	Sep 01 05:25 PM
ROHINI JAIN	Officer	Sep 01 '26	Proposed Sale	49.23	33,470	1,647,728		Sep 01 04:36 PM
MICHAEL CIERI	Officer	Aug 31 '26	Proposed Sale	50.31	10,754	541,034		Aug 31 04:32 PM
Cieri Michael	Chief Product Officer	May 29 '26	Sale	36.64	32,875	1,204,663	997	Jun 01 04:05 PM
John R. Rettig	Officer	May 29 '26	Proposed Sale	34.85	66,716	2,325,053		May 29 05:32 PM
MICHAEL CIERI	Officer	May 29 '26	Proposed Sale	34.85	32,875	1,145,694		May 29 04:28 PM
JOHN RETTIG	Affiliate	May 28 '26	Proposed Sale	34.95	136,306	4,763,240		May 28 04:14 PM
Cota Germaine	SVP, FINANCE & ACCOUNTING	Dec 02 '25	Sale	51.23	1,104	56,558	10,812	Dec 03 07:09 PM
RAJESH AJI	Officer	Nov 14 '25	Proposed Sale	50.41	7,812	393,764		Nov 14 04:25 PM
STEPHEN FISHER	Director	Nov 10 '25	Proposed Sale	47.72	7,396	352,937		Nov 10 04:03 PM

Bill Holdings, Inc. engages in the provision of cloud-based financial operations software solutions. The firm provides software that helps small and midsize businesses automate accounts payable, accounts receivable, spend and expense management, payments, and other financial operations. Its software enables customers to manage invoices, approvals, payments, expenses, and cash flow, and integrate financial operations with accounting systems. The company was founded by Rene Lacerte in April 2006 and is headquartered in San Jose, CA.

Vice President of Investor RelationsMr. Jon Philip Andrews Jr.

General Counsel & Corporate SecretaryMr. Michael Dunn

Chief People OfficerMs. Bobbie Grafeld

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BILL

BILL Holdings Inc

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