BILL
BILL Holdings, Inc.
BILL
43.62USD
-0.37%
Oct 05, 2026
Price
Loading price history…
Price Action
Price trend is broken
Longer-term context reads early recovery, with a near-term setup of constructive pullback.
The tactical setup reads constructive pullback, but the weekly structure is broken.
EntryWeak / unconfirmed recovery
The daily chart may be improving, but the weekly fast averages have not been reclaimed — the recovery is not yet confirmed on the higher timeframe.
Key Financials
- Market Cap
- $3.7B
- Avg Volume (60D)
- 2.1M
- Revenue Growth YoY
- +13.0%
- Gross Margin
- +80.9%
- Operating Margin
- -4.4%
- Free Cash Flow Yield
- +11.1%
- Distance from 200DMA
- +0.8%
- Next Earnings
- 2026-11-05
- P/E
- N/M
- EV / Sales
- 2.2x
60 sessions
FY2026 vs FY2025
Trailing twelve months
Trailing twelve months
Market metrics as of Oct 2, 2026
Financial results for the period ended Jun 30, 2026
Filed balance-sheet data as of Jun 30, 2026
Fundamentals & Valuation
Two of the three valuation perspectives say cheap; peers is the dissenting view. The published stance is held at fair because operating losses behind the low multiple.
BILL Holdings, Inc. has a Fair valuation stance because the price broadly reflects the cash the business actually produces, with upside and risk reasonably balanced. It trades at 2.2x revenue, broadly in line with what the business currently supports.
Company Research
Thesis
BILL is a direct financial-operations platform provider to SMBs, combining AP and AR workflows, domestic and international payments, spend and expense controls, business cards and credit, and accounting-system integrations.
Opportunity
Moderate opportunity
SMB and middle-market finance teams are adopting integrated software and payment workflows to automate payables, receivables, employee spending, approvals, controls, and accounting-adjacent processes as they seek greater efficiency, visibility, and AI-assisted decision support.
Key risk
Competition from larger financial software providers.
Narrative & Theme
Digitalization of Small and Midsize Business Financial Operations
Part of AI-Enabled AP, Spend and Payment Workflow Automation, with strong fit.
BILL has a genuine, direct exposure to an investable finance-software and B2B-payments demand system rather than merely generic technology or AI adjacency.
Narrative HeatNeutral4.7 / 10
Theme HeatNeutral6.7 / 10
This is the company’s own research reading. The canonical heat measurement for this story has not run.
Business & Markets
Technology · Software - Application
What they do
BILL Holdings, Inc. provides a cloud-based financial operations platform that helps small and midsize businesses manage payments, accounts payable and receivable, and spend and expense management globally.
How it earns
The company generates revenue primarily through subscription-based access to its software platform and related support services.
Products & services
Cloud-based payments platform
Accounts payable and receivable solutions
BILL Spend and Expense management suite
Onboarding and ongoing support services
Customers & end markets
Small businesses
Midsize businesses
Market position
Niche player focused on financial operations software for small and midsize businesses.
Demand drivers
Medium cyclicality
Demand for financial operations software can be influenced by overall economic conditions affecting small and midsize businesses.