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BILL Holdings, Inc.

BILL Technology Software Application

Revenue
−10.6%
EPS
+2,400.0%
Free cash flow
+41.0%
Total debt
−1.52%

Quarter to September 2026, against a year earlier

52.91 2.02 +3.97%
Market cap
$4.4B
P/E
84.5×
Fwd P/E
24.0×
Dividend yield
—
F-score
4/9
Altman Z
0.47
Beneish M
−2.56
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 15.92
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 — — — — 1 — — 1 2 — —
Insider Ownership 15.25%

Capital & Financial Ratios $m

Size
Market Cap 4,370.00
Revenue ttm 1,611.19
Net income ttm 51.97
Free cash flow ttm 355.31
Net debt Q 243.87
Valuation
P/E 84.52 (above 35: high)
Forward P/E 24.00
Price / sales 2.74
Forward P/S Powerpack
Price / FCF 12.42
Price / book 1.34
Financial health
Current ratio Q 1.50 (at or above 1.5: strong)
Debt / equity Q 0.56
Interest coverage Q (1.65)
Growth
Revenue growth Q −10.60% (below 0%: shrinking)
Operating income growth Q +346.91% (above 0%: growing)
EPS, this year +36.20% (at or above 15%: strong)
EPS, next year A +17.13% (at or above 15%: strong)
Revenue, next year A +10.76% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +24.37% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 2.9×, against a ten-year median of 8.0×; over the ten years it ranged from 2.1× in 2026 to 94.7× in 2021.
P/S against its own 10 years 8.36%
10-year low 10-year high
P/B against its own 10 years 21.89%
10-year low 10-year high
EV/Sales against its own 10 years 14.99%
10-year low 10-year high
EV/FCF against its own 10 years 21.19%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 1,587 2,218 1,938 1,594
Receivables 725 717 843 —
Inventory — — — —
Other 3,705 4,044 4,353 4,131
6,315 7,239 7,435 6,949
2024 2025 2026 Q'26
Payables 7 16 10 7
ST’ Debt — 213 123 123
Other 3,705 4,044 4,353 4,131
4,063 4,589 4,925 4,631

Compound Annual Growth %

10y 5y 3y
Sales — 47.32% 16.02%
Cash Flow — 145.92% 30.35%
Earnings — 0.00% 0.00%
Book Value — 6.90% (4.75%)

Earnings Trends EPS, adjusted, against the consensus

Q4 FY26 Estimate 0.69 Actual 0.84

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY26 0.51 0.61 Beat by 0.10
Q2 FY26 0.56 0.64 Beat by 0.08
Q3 FY26 0.55 0.68 Beat by 0.13
Q4 FY26 0.69 0.84 Beat by 0.15
Q1 FY27 0.98 — Reports 5 November 2026

EPS $

Sep Dec Mar Jun Year
’26 0.61 — — — —
’26 (0.03) (0.03) 0.12 (0.19) (0.11)
’25 0.08 (0.06) (0.11) (0.07) (0.07)
’24 (0.26) (0.38) 0.29 0.08 (0.27)
’23 (0.78) (0.90) (0.29) (0.15) (2.11)
’22 (0.79) (0.78) (0.84) (0.81) (3.21)
’21 (0.16) (0.21) (0.32) (0.48) (1.19)
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 354 — — — —
’26 396 415 407 436 1,653
’25 358 363 358 383 1,463
’24 305 318 323 344 1,290
’23 230 260 273 296 1,058
’22 118 156 167 200 642
’21 46 54 60 78 238
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 97 — — — —
’26 97 105 103 111 416
’25 89 79 100 84 351
’24 54 80 67 79 279
’23 18 55 34 80 188
’22 (21) (13) 26 (10) (18)
’21 (2) (9) (2) 18 5
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 83 — — — —
’26 82 91 85 97 355
’25 82 69 91 68 310
’24 48 75 62 73 258
’23 12 48 24 73 157
’22 (25) (16) 23 (15) (34)
’21 (9) (17) (5) 15 (17)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Sep ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue — 65 108 158 238 642 1,058 1,290 1,463 1,653 1,611 +49.9% 1,831 2,035 2,111 +8.5%
Gross margin, % — 70.13 72.39 75.16 74.06 77.41 81.67 81.82 81.40 80.93 80.14 +10.8 pt
EBT — (7) (7) (31) (139) (331) (223) (26) 30 (10) 54 +4.4%
EBT margin, % — (11.08) (6.89) (19.69) (58.48) (51.51) (21.06) (2.04) 2.08 (0.61) 3.36 +10.5 pt
Net income 0 (7) (7) (31) (99) (326) (224) (29) 24 (11) 52 n/m
Per share, $
Per share, $ Revenue — 9.07 13.90 3.57 2.88 6.31 9.99 12.16 14.12 16.55 18.52 +7.8%
Earnings — (1.01) (0.94) (0.70) (1.19) (3.21) (2.11) (0.27) 0.23 (0.11) 0.60 (24.2%)
Cash flow — (1.17) (0.51) (0.10) 0.06 (0.18) 1.77 2.63 3.39 4.16 4.78 n/m
Capex — (0.29) (0.55) (0.27) (0.26) (0.15) (0.29) (0.20) (0.40) (0.61) (0.69) +10.0%
Free cash flow — (1.45) (1.06) (0.37) (0.20) (0.33) 1.48 2.43 2.99 3.55 4.08 n/m
Book value — 12.47 22.27 16.11 30.55 39.74 38.56 38.96 37.79 35.34 37.92 +13.9%
Shares, m — 7 8 44 83 102 106 106 104 100 97 +39.0%
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 201.13 0.00 84.52 22.3
P/S — 2.41 2.41 25.25 63.67 17.43 11.70 4.34 3.28 2.19 2.74 14.7
P/B — 0.00 0.00 5.60 6.00 2.77 3.03 1.36 1.22 1.02 1.34 2.3
EV/Sales — 1.19 1.19 20.87 62.96 15.97 10.92 3.93 2.93 2.12 2.89 13.6
EV/FCF — (15.53) (15.53) (199.26) (904.55) (304.03) 73.85 19.64 13.72 9.90 13.11 (146.9)
Cash, $m
Cash, $m Operating cash flow — (8) (4) (4) 5 (18) 188 279 351 416 416 n/m
Capex — (2) (4) (12) (21) (16) (31) (21) (41) (61) (60) +52.9%
Free cash flow — (10) (8) (17) (17) (34) 157 258 310 355 355 n/m
Balance, $m
Balance, $m Working capital — 88 164 703 1,280 2,871 2,920 2,252 2,650 2,510 2,318 +52.0%
Net debt — (83) (161) (696) (176) (932) (820) (673) (504) (101) 244 +2.6%
Shareholders’ equity — 89 174 711 2,530 4,044 4,086 4,134 3,914 3,531 3,300 +58.4%
Returns, %
Returns, % ROA — (1.40) (0.57) (1.58) (2.36) (4.29) (2.37) (0.31) 0.25 (0.11) 0.52 +1.3 pt
ROIC — (75.45) (49.51) (141.53) (3.03) (6.36) (5.66) (3.15) (1.48) (1.34) (0.03) +74.1 pt
ROE — 7.02 7.15 (10.23) (6.09) (9.93) (5.50) (0.70) 0.59 (0.30) 1.45 (7.3) pt
People
People Employees — — 544 618 1,384 2,269 2,521 2,187 2,364 1,683 — +17.5%
Revenue/emp, $m — 0.00 0.20 0.26 0.17 0.28 0.42 0.59 0.62 0.98 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Sep 2026 · fundamentals updated 6 Nov 2026

BILL Holdings, Inc. vs peers in Software Application (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BRZE Braze, Inc. $5.2B — (loss-making) — (loss-making) +26.16% (above 0%: growing) n/m +515.45% (above 0%: growing) 66.83% (7.98%) Compare
QTWO Q2 Holdings, Inc. $4.7B 42.6× 37.0× +11.93% (above 0%: growing) +122.71% (above 0%: growing) +47.59% (above 0%: growing) 59.73% 15.04% Compare
WK Workiva Inc. $4.7B 75.7× 68.3× +17.31% (above 0%: growing) +600.00% (above 0%: growing) +49.24% (above 0%: growing) 81.10% 6.78% Compare
CCC CCC Intelligent Solutions Holdings Inc. $4.5B 57.9× 45.4× +10.10% (above 0%: growing) n/m +4.87% (above 0%: growing) 74.13% 19.51% Compare
SRAD Sportradar Group AG $4.4B 112× 46.8× +22.23% (above 0%: growing) +29.75% (above 0%: growing) +5.40% (above 0%: growing) 85.13% 17.79% Compare
BILL BILL Holdings, Inc. $4.4B — (loss-making) 24.0× +13.78% (above 0%: growing) n/m +40.99% (above 0%: growing) 81.66% (7.85%)
MNDY monday.com Ltd. $4.0B 39.3× 65.0× +21.94% (above 0%: growing) +166.67% (above 0%: growing) −15.94% (below 0%: shrinking) 88.30% (0.42%) Compare
LIF Life360, Inc. $3.8B 25.0× 30.7× +37.77% (above 0%: growing) −33.33% (below 0%: shrinking) +115.99% (above 0%: growing) 79.83% (0.04%) Compare
DAVE Dave Inc. $3.5B 18.8× 22.9× +31.17% (above 0%: growing) −26.90% (below 0%: shrinking) −2.59% (below 0%: shrinking) 100.00% 24.29% Compare
Median of peers $4.5B 42.6× 45.4× +22.09% +76.23% +26.50% 80.47% 10.91%

All 230 Software Application stocks →

Pay and ownership Proxy statement filed 27 October 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 16.14m 14.28m 51.00
2024 14.38m (4.63m) 58.00
2023 17.72m 18.22m 130.00
2022 13.93m 6.02m 122.00

Ownership

Directors and executive officers, together 13.20%
The Vanguard Group, Inc. 10.90%
BlackRock, Inc. 9.00%
Peter Feld 8.60%
Entities affiliated with Starboard Value LP 8.60%
ER Collective Holdings, LLC 7.60%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

BILL Holdings, Inc. (BILL) Latest News

6 Nov

Impact 3 · · MarketBeat
Impact 3 · · Zacks
Impact 3 · · GuruFocus.com

5 Nov

Impact 3 · · Associated Press
Impact 3 · · StockStory
Impact 3 · · Business Wire

29 Oct

Impact 4 · · Zacks
Impact 3 · · Insider Monkey

24 Oct

Impact 4 · · Simply Wall St.

21 Oct

Impact 3 · · Business Wire

20 Oct

Impact 4 · · Business Wire
Impact 3 · · StockStory
Impact 3 · · Zacks

19 Oct

Impact 4 · · Business Wire
Impact 4 · · Business Wire

17 Oct

Impact 4 · · Simply Wall St.

16 Oct

Impact 4 · · Simply Wall St.

15 Oct

Impact 4 · · Insider Monkey

13 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

12 Oct

Impact 3 · · Zacks

30 Sep

Impact 4 · · Zacks

29 Sep

Impact 4 · · Business Wire
Impact 3 · · Zacks

28 Sep

Impact 3 · · StockStory

25 Sep

Impact 4 · · Zacks
Impact 4 · · Zacks

23 Sep

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Simply Wall St.

BILL metrics, ten years each

stockrow.com/BILL · Data as of Nov 6, 2026 · For information only; not investment advice. · © 2026 stockrow.com