BILL Holdings
BILL
44.00
+0.04
+0.09%
BILL Holdings
US · BILL
#2321 by market cap
Listed 2019
44.00
+0.04
+0.09%
Live - 5344 symbols - heartbeat 450s ago
· 2026-10-08 08:15
Pre-market
44.10
+0.23%
After-hours
44.00
0.00%
Overnight
44.31
+0.70%
- Market cap
- 3.75B
- P/E (TTM)i
- -400.00
- P/Bi
- 1.06
- EPSi
- -0.11
- Div yieldi
- 0.00%
- 52W posi
- 49%
Reader sentiment
Are you bullish or bearish on BILL?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is 0.51, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +13.03% YoY
Margins
- Gross margin
- 80.93%
- Operating margin
- 1.06%
- Net margin
- -0.68%
Key ratios & quality
- Enterprise valuei
- 3.65B
- Altman Z-Scorei
- 0.51
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 108.35M | 157.60M | 238.27M | 641.96M | 1.06B | 1.29B | 1.46B | 1.65B |
| Gross profit | 78.43M | 118.46M | 176.46M | 496.96M | 864.49M | 1.06B | 1.19B | 1.34B |
| Selling & admin expenses | 59.31M | 98.52M | 196.05M | 528.18M | 764.91M | 756.20M | 825.62M | 915.62M |
| Research & development | 28.92M | 53.00M | 89.50M | 219.82M | 314.63M | 336.75M | 340.06M | 300.57M |
| Operating profit | -9.80M | -34.20M | -113.97M | -316.82M | -295.77M | -146.58M | -80.60M | 17.45M |
| Pretax profit | -7.47M | -31.04M | -139.34M | -330.68M | -222.92M | -26.32M | 30.41M | -10.13M |
| Tax | -156.00K | 53.00K | -40.62M | -4.32M | 808.00K | 2.56M | 6.61M | 1.11M |
| Net profit | -7.31M | -31.09M | -98.72M | -326.36M | -223.73M | -28.88M | 23.80M | -11.24M |
| Basic EPS | 0 | -1 | -1 | -3 | -2 | 0 | 0 | 0 |
| Diluted EPS | -0.09 | -0.70 | -1.19 | -3.21 | -2.11 | -0.27 | -0.07 | -0.11 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 358.22M | 383.35M | 395.74M | 414.67M | 406.56M | 436.19M |
| Gross profit | 291.01M | 309.76M | 318.74M | 331.08M | 331.86M | 356.19M |
| Selling & admin expenses | 210.61M | 218.27M | 226.14M | 234.94M | 225.51M | 229.04M |
| Research & development | 86.54M | 90.05M | 80.29M | 82.81M | 74.39M | 63.09M |
| Operating profit | -28.95M | -22.25M | -11.85M | -17.66M | 4.65M | 42.32M |
| Pretax profit | -10.30M | -3.07M | -2.81M | -2.07M | 14.78M | -20.03M |
| Tax | 1.29M | 4.00M | 149.00K | 522.00K | 1.99M | -1.55M |
| Net profit | -11.59M | -7.07M | -2.96M | -2.59M | 12.79M | -18.48M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | -0.11 | -0.07 | -0.03 | -0.03 | 0.12 | -0.19 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 1.51B | 2.38B | 3.61B | 6.28B | 6.67B | 6.31B | 7.24B | 7.44B |
| Cash & ST investments | 162.28M | 697.62M | 1.16B | 2.71B | 2.66B | 1.59B | 2.22B | 1.94B |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 1.53B | 2.40B | 5.97B | 9.26B | 9.64B | 9.18B | 10.06B | 10.22B |
| Total current liabilities | 1.35B | 1.68B | 2.33B | 3.41B | 3.75B | 4.06B | 4.59B | 4.92B |
| Short-term debt | -- | -- | -- | 75.10M | 135.05M | -- | 213.43M | 123.06M |
| Long-term debt | -- | -- | 989.38M | 1.70B | 1.70B | 914.00M | 1.50B | 1.71B |
| Total liabilities | 1,628,955,000.00 | 1,693,296,000.00 | 3,439,583,000.00 | 5,212,332,000.00 | 5,550,049,000.00 | 5,044,612,000.00 | 6,149,942,000.00 | 6,687,537,000.00 |
| Total equity | -102.66M | 710.72M | 2.53B | 4.04B | 4.09B | 4.13B | 3.91B | 3.53B |
| Retained earnings | -117.66M | -148.75M | -247.47M | -544.83M | -856.17M | -1.10B | -1.51B | -2.09B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 6.80B | 7.24B | 7.33B | 7.33B | 7.28B | 7.44B |
| Cash & ST investments | 2.17B | 2.22B | 2.31B | 2.24B | 2.17B | 1.94B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 9.63B | 10.06B | 10.15B | 10.13B | 10.08B | 10.22B |
| Total current liabilities | 4.02B | 4.59B | 4.38B | 4.43B | 4.39B | 4.92B |
| Short-term debt | 33.40M | 213.43M | 33.45M | -- | -- | 123.06M |
| Long-term debt | 1.68B | 1.50B | 1.83B | 1.83B | 1.83B | 1.71B |
| Total liabilities | 5,762,175,000.00 | 6,149,942,000.00 | 6,268,534,000.00 | 6,319,625,000.00 | 6,276,071,000.00 | 6,687,537,000.00 |
| Total equity | 3.87B | 3.91B | 3.88B | 3.81B | 3.80B | 3.53B |
| Retained earnings | -1.47B | -1.51B | -1.60B | -1.73B | -1.77B | -2.09B |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -3.95M | -4.43M | 4.62M | -18.09M | 187.77M | 278.77M | 350.64M | 415.83M |
| Depreciation & amortization | 3.15M | 4.26M | 11.01M | 87.50M | 95.68M | 103.16M | 89.44M | 116.55M |
| Free cash flow | -8.25M | -16.51M | -16.58M | -33.73M | 156.57M | 257.88M | 309.67M | 354.68M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 533.66M | 0 | 1.34B | -87.62M | -211.90M | -430.00M | -560.49M |
| Ending cash balance | 983.17M | 1.59B | 1.81B | 3.54B | 4.22B | 3.35B | 3.55B | 3.77B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 99.53M | 83.82M | 96.86M | 105.32M | 102.67M | 110.99M |
| Depreciation & amortization | 21.45M | 21.89M | 23.51M | 35.39M | 28.38M | 29.27M |
| Free cash flow | 90.92M | 68.48M | 82.26M | 91.13M | 84.73M | 96.55M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | -30.00M | -83.15M | -132.65M | -56.86M | -287.83M |
| Ending cash balance | 3.17B | 3.55B | 3.54B | 3.67B | 3.36B | 3.77B |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | -- | -10.23 | -6.09 | -9.93 | -5.50 | -0.70 | 0.59 | -0.30 |
| ROA %i | -0.57 | -1.58 | -2.36 | -4.29 | -2.37 | -0.31 | 0.25 | -0.11 |
| ROIC %i | -- | -11.07 | -3.00 | -6.76 | -4.77 | -2.01 | -0.66 | -0.98 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -6.49 | -4.33 | -3.17 |
| EBIT margin %i | -6.13 | -19.55 | -46.66 | -50.04 | -19.62 | -0.55 | 3.02 | 0.56 |
| FCF / sales %i | -- | -- | -- | -- | 14.79 | 19.99 | 21.17 | 21.45 |
| Current ratioi | 1.12 | 1.42 | 1.55 | 1.84 | 1.78 | 1.55 | 1.58 | 1.51 |
| Quick ratioi | 0.13 | 0.42 | 0.57 | 0.88 | 0.84 | 0.57 | 0.64 | 0.56 |
| Debt / assetsi | -- | 0.00 | 18.03 | 20.05 | 19.85 | 10.64 | 17.62 | 18.44 |
| LT debt / equityi | -- | -- | 42.54 | 44.04 | 43.50 | 23.63 | 39.84 | 49.89 |
| Interest coveragei | -8.05 | -134.54 | -3.95 | -34.11 | -13.66 | -0.37 | 3.20 | 0.48 |
| Revenue CAGR (3Y) %i | -- | -- | 54.29 | 80.95 | 88.67 | 75.60 | 31.58 | 16.02 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | 31.33 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 0.97 | 0.59 | 0.30 | -0.64 | 0.00 | -0.30 |
| ROA %i | 0.41 | 0.25 | 0.12 | -0.24 | 0.00 | -0.11 |
| ROIC %i | -0.51 | -0.66 | -0.77 | -1.56 | -0.82 | -0.98 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 4.23 | 3.02 | 2.16 | -0.11 | 1.53 | 0.56 |
| FCF / sales %i | 22.09 | 21.17 | 20.70 | 21.44 | 20.41 | 21.45 |
| Current ratioi | 1.69 | 1.58 | 1.67 | 1.65 | 1.66 | 1.51 |
| Quick ratioi | 0.72 | 0.64 | 0.70 | 0.68 | 0.69 | 0.56 |
| Debt / assetsi | 18.42 | 17.62 | 18.93 | 18.64 | 18.71 | 18.44 |
| LT debt / equityi | 44.97 | 39.84 | 48.63 | 49.57 | 49.59 | 49.89 |
| Interest coveragei | 3.14 | 3.20 | 2.16 | -0.10 | 1.39 | 0.48 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Region
United States98.00%
Outside of the U.S.2.00%
Quote time 2026-10-08 08:15:47 · For reference only, not investment advice and not tailored to your situation.