BILL

Company Overview — What Does BILL Holdings, Inc. Do?

Bill.com Holdings, Inc. provides cloud-based software that simplifies, digitizes, and automates back-office financial operations for small and midsize businesses worldwide. It offers artificial intelligence enabled financial software platform that creates seamless connections among users, suppliers, and the clients. 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 users 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. The company also serves accounting firms and financial institutions. Bill.com Holdings, Inc. was founded in 2006 and is headquartered in San Jose, California. BILL Holdings, Inc. (BILL) is classified as a mid-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO René Lacerte and employs approximately 2,270 people. With a market capitalization of $3.8B, BILL is one of the notable companies in the Technology sector.

BILL Holdings, Inc. (BILL) Stock Rating — Reduce (April 2026)

As of April 2026, BILL Holdings, Inc. receives a Reduce rating with a composite score of 33.2/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.BILL ranks #3,493 out of 4,446 stocks in our coverage universe. Within the Technology sector, BILL Holdings, Inc. ranks #410 of 584 stocks, placing it in the lower half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

BILL Stock Price and 52-Week Range

BILL Holdings, Inc. (BILL) currently trades at $35.00. The stock lost $1.18 (3.3%) in the most recent trading session. The 52-week high for BILL is $57.21, which means the stock is currently trading -38.8% from its annual peak. The 52-week low is $35.46, putting the stock -1.3% above its annual trough. Recent trading volume was 1.8M shares, reflecting moderate market activity.

Is BILL Overvalued or Undervalued? — Valuation Analysis

BILL Holdings, Inc. (BILL) carries a value factor score of 37/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 230.86x, compared to the Technology sector average of 45.27x — a premium of 410%. The price-to-book ratio stands at 1.00x, versus the sector average of 3.16x. The price-to-sales ratio is 2.47x, compared to 1.06x for the average Technology stock.

At current multiples, BILL Holdings, Inc. trades at a premium to most Technology peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

BILL Holdings, Inc. Profitability — ROE, Margins, and Quality Score

BILL Holdings, Inc. (BILL) earns a quality factor score of 34/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 0.4%, compared to the Technology sector average of -1.4%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.2% versus the sector average of -1.0%.

On a margin basis, BILL Holdings, Inc. reports gross margins of 80.8%, compared to 50.9% for the sector. The operating margin is -5.9% (sector: -0.5%). Net profit margin stands at 1.2%, versus -1.5% for the average Technology stock. Revenue growth is running at 15.7% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

BILL Debt, Balance Sheet, and Financial Health

BILL Holdings, Inc. has a debt-to-equity ratio of 48.0%, compared to the Technology sector average of 43.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.65x, suggesting adequate working capital coverage. Total debt on the balance sheet is $1.83B.

BILL has a beta of 1.70, meaning it is more volatile than the broader market — a $10,000 investment in BILL would be expected to move 70.0% more than the S&P 500 on any given day. The stability factor score for BILL Holdings, Inc. is 39/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

BILL Holdings, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, BILL Holdings, Inc. reported revenue of $1.53B and earnings per share (EPS) of $-0.03. Net income for the quarter was $16M. Gross margin was 80.8%. Operating income came in at $-89M.

In Q2 2026, BILL Holdings, Inc. reported revenue of $415M and earnings per share (EPS) of $-0.03. Net income for the quarter was $-3M. Gross margin was 79.8%. Revenue grew 14.4% year-over-year compared to Q2 2025. Operating income came in at $-18M.

In Q1 2026, BILL Holdings, Inc. reported revenue of $396M and earnings per share (EPS) of $-0.03. Net income for the quarter was $-3M. Gross margin was 80.5%. Revenue grew 10.4% year-over-year compared to Q1 2025. Operating income came in at $-21M.

In FY 2025, BILL Holdings, Inc. reported revenue of $1.46B and earnings per share (EPS) of $0.23. Net income for the quarter was $24M. Gross margin was 81.4%. Revenue grew 13.4% year-over-year compared to FY 2024. Operating income came in at $-81M.

Over the past 8 quarters, BILL Holdings, Inc. has demonstrated a growth trajectory, with revenue expanding from $1.29B to $1.53B. Investors analyzing BILL stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

BILL Dividend Yield and Income Analysis

BILL Holdings, Inc. (BILL) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.

BILL Momentum and Technical Analysis Profile

BILL Holdings, Inc. (BILL) has a momentum factor score of 27/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 27/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 45/100 reflects moderate short selling activity.

BILL vs Competitors — Technology Sector Ranking and Peer Comparison

Within the Technology sector, BILL Holdings, Inc. (BILL) ranks #410 out of 584 stocks based on the Blank Capital composite score. This places BILL in the lower half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.

Comparing BILL against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BILL vs S&P 500 (SPY) comparison to assess how BILL Holdings, Inc. stacks up against the broader market across all factor dimensions.

BILL Next Earnings Date

No upcoming earnings date has been announced for BILL Holdings, Inc. (BILL) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy BILL? — Investment Thesis Summary

The quantitative profile for BILL Holdings, Inc. suggests caution. The quality score of 34/100 flags below-average profitability. The value score of 37/100 indicates premium valuation. Momentum is weak at 27/100, a headwind for near-term performance. High volatility (stability score 39/100) increases portfolio risk.

In summary, BILL Holdings, Inc. (BILL) earns a Reduce rating with a composite score of 33.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BILL stock.

Related Resources for BILL Investors

Explore more research and tools: BILL vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BILL head-to-head with peers: BILL vs IHS, BILL vs VRSN, BILL vs ESE.