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BILLBill.com Holdings, Inc.
$40.68$4.1B
Overview & Verdict
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BILL logoBill.com Holdings, Inc.(BILL)Earnings, Financials & Key Ratios

BILL•NYSE
$40.68
176.9× P/E·Price updated Jul 7, 2026
SectorTechnologyIndustryApplication SoftwareSub-IndustryPayments, billing and spend management
AboutBill.com Holdings, Inc. provides cloud-based software that simplifies, digitizes, and automates back-office financial operations 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 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 serves accounting firms, financial institutions, and software companies. Bill.com Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.Show more
  • Revenue$1.46B+13.4%
  • EBITDA$9M+112.5%
  • Net Income$24M+182.4%
  • EPS (Diluted)0.23+185.2%
  • Gross Margin81.4%-0.5%
  • EBITDA Margin0.6%+111.0%
  • Operating Margin-5.51%+59.2%
  • Net Margin1.63%+172.7%
  • ROE0.59%+184.2%

BILL Price & Volume

Bill.com Holdings, Inc. (BILL) stock price & volume — 10-year historical chart

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Operational Efficiency Challenges Amidst Decelerating Revenue Growth

Investment Thesis • Updated 2026Q3

VerdictNeutral
Growth:Decelerating
Profitability:Strained
Financial:Healthy
Cash Flow:Improving
Primary Risk:SMB spending cycle sensitivity

Key Thesis Takeaways

  • Bill.com faces a transition toward operational maturity as year-over-year revenue growth has cooled to 13.5% in 2026Q3, signaling potential saturation in its core SMB market.
  • While the company maintains a robust 81.6% gross margin, persistent reliance on stock-based compensation and interest-sensitive transaction revenue creates uncertainty regarding long-term earnings quality.
  • Investors should monitor the company's ability to achieve sustainable operating leverage, as current operating income remains thin at $4.6 million despite significant capital deployment into share repurchases.

Verdict Logic

while the company demonstrates a healthy 31.6% FCF margin, the forward P/E of 13.42 and reliance on non-operational interest income warrant caution regarding the sustainability of future earnings growth.

BILL Growth Metrics

Bill.com Holdings, Inc. (BILL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years56.14%
3 Years31.58%
TTM12.47%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-99.57%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM81.46%

Return on Capital

10 Years-5.53%
5 Years-4.32%
3 Years-3.24%
Last Year-1.52%

BILL Recent Earnings

Bill.com Holdings, Inc. (BILL) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$0.68+23.6%
$0.55
Rev
$407M+0.7%
$404M
Q1 2026
Feb 5, 2026
Metric
Actual
Est
EPS
$0.64+14.3%
$0.56
Rev
$415M+3.7%
$400M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$0.61+19.1%
$0.51
Rev
$396M+1.0%
$392M
Q3 2025
Aug 27, 2025
Metric
Actual
Est
EPS
$0.53+29.3%
$0.41
Rev
$383M-2.4%
$393M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$0.68vs $0.55+23.6%
$407Mvs $404M+0.7%
Q1 2026Feb 5, 2026
$0.64vs $0.56+14.3%
$415Mvs $400M+3.7%
Q4 2025Nov 6, 2025
$0.61vs $0.51+19.1%
$396Mvs $392M+1.0%
Q3 2025Aug 27, 2025
$0.53vs $0.41+29.3%
$383Mvs $393M-2.4%
Based on last 12 quarters of dataView full earnings history →

Latest BILL News

Recent stock market news and headlines for Bill.com Holdings, Inc. (BILL)

Zacks Investment Research·5 days ago
Earnings Estimates Rising for BILL Holdings (BILL): Will It Gain?

BILL Holdings (BILL) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Zacks Investment Research·5 days ago
Wall Street Analysts See a 36.1% Upside in BILL Holdings (BILL): Can the Stock Really Move This High?

The mean of analysts' price targets for BILL Holdings (BILL) points to a 36.1% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

Market Watch·6 days ago
14 value stocks of companies primed for rapid growth through 2028

Let us begin with a midyear summary of index results that might surprise you in light of the triple-digit gains for so many growth stocks in the S&P 500.

Business Wire·Jun 25, 2026
BILL Names Jonathan Leaf as Chief Revenue Officer to Accelerate Growth and Elevate Customer Experience

SAN JOSE, Calif.--(BUSINESS WIRE)--BILL (NYSE: BILL), the intelligent financial operations platform trusted by nearly half a million businesses to manage, move, and maximize their money, today announced Jonathan Leaf will join BILL as Chief Revenue Officer on July 6th. In this newly expanded role, Leaf will lead BILL's global revenue organization, spanning sales, marketing, embedded partnerships, and customer experience. Leaf will join the executive leadership team, and report directly to CEO an.

Zacks Investment Research·Jun 16, 2026
Why Investors Need to Take Advantage of These 2 Computer and Technology Stocks Now

Investors looking for ways to find stocks that are set to beat quarterly earnings estimates should check out the Zacks Earnings ESP.

Peers Comparison

Key metrics vs top competitors for Bill.com Holdings, Inc. (BILL)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BILL logoBILLBill.com Holdings, Inc.Current
$40.68$4.05B176.8713.36%1.63%0.59%—
INTU logoINTUIntuit Inc.
$281.17$76.91B20.5715.63%21.91%23.29%—
PAYC logoPAYCPaycom Software, Inc.
$143.78$7.85B17.798.95%22.44%31.03%—
PCTY logoPCTYPaylocity Holding Corporation
$118.84$6.36B29.5613.74%14.94%22.36%—
APPF logoAPPFAppFolio, Inc.
$179.42$6.46B46.2419.72%15.27%30.9%—
TNET logoTNETTriNet Group, Inc.
$55.85$2.58B17.67-0.85%3.22%179.66%—

Compare BILL vs Peers

Bill.com Holdings, Inc. (BILL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs INTU

Most directly comparable listed peer for BILL.

Scale Benchmark

vs JPM

Larger-name benchmark to compare BILL against a more recognizable public peer.

Peer Set

Compare Top 5

vs INTU, PAYC, PCTY, APPF

BILL SEC Filings & Documents

Bill.com Holdings, Inc. (BILL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 7, 2026·SEC

Material company update

Mar 16, 2026·SEC

Material company update

Feb 5, 2026·SEC

10-K Annual Reports

2
FY 2025

Aug 28, 2025·SEC

FY 2024

Aug 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2026

Feb 6, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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BILL Frequently Asked Questions

Bill.com Holdings, Inc. (BILL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Bill.com Holdings, Inc.'s revenue?

Bill.com Holdings, Inc. (BILL) reported $1.60B in revenue for fiscal year 2025. This represents a 2367% increase from $64.9M in 2018.

How fast is Bill.com Holdings, Inc. growing?

Bill.com Holdings, Inc. (BILL) grew revenue by 13.4% over the past year. This is steady growth.

Is BILL profitable?

Yes, Bill.com Holdings, Inc. (BILL) is profitable, generating $0.2M in net income for fiscal year 2025 (1.6% net margin).

Dividend & Returns
What is BILL's return on equity?

Bill.com Holdings, Inc. (BILL) has a return on equity (ROE) of 0.6%. This is below average, suggesting room for improvement.

What is Bill.com Holdings, Inc.'s free cash flow?

Bill.com Holdings, Inc. (BILL) generated $383.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in BILL back in 2018?

Total return calculator · dividends reinvested · 8+ years of data

See returns →