BILL Holdings, Inc. (BILL) vs CCC Intelligent Solutions Holdings Inc. (CCC)

BILL Holdings, Inc. and CCC Intelligent Solutions Holdings Inc. are both Software Application companies. BILL Holdings, Inc. and CCC Intelligent Solutions Holdings Inc. are of similar size ($4.5B and $4.4B). BILL Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; CCC Intelligent Solutions Holdings Inc. trades at 57.9×. BILL Holdings, Inc. grew revenue faster over the last twelve months: 13.0% against 11.1%. CCC Intelligent Solutions Holdings Inc. has the higher net margin (6.54% vs −0.68%) and the higher return on invested capital (4.38% vs −1.34%). Across the 20 metrics below, CCC Intelligent Solutions Holdings Inc. leads on 11 and BILL Holdings, Inc. on 9.

Valuation

Metric BILL CCC Software Application median
P/E n/m 57.89 25.90
P/S 3.06 3.88 3.04
P/B 1.44 2.40 2.60
Price to free cash flow 14.29 14.18 17.17
EV/EBITDA 100.23 15.48 15.48
EV/Sales 3.00 4.81 2.89
Earnings yield (0.24%) 1.73% 0.00%
Free cash flow yield 7.00% 7.05% 1.98%

Profitability

Metric BILL CCC Software Application median
Gross margin 80.93% 73.94% 66.89%
Operating margin (4.44%) 17.90% 0.00%
Net margin (0.68%) 6.54% 0.00%
Free cash flow margin 21.45% 27.33% 5.77%
Return on equity (0.30%) 3.75% 0.00%
Return on assets (0.11%) 2.07% 0.00%
Return on invested capital (1.34%) 4.38% 0.00%

Growth

Metric BILL CCC Software Application median
Revenue growth (TTM) 13.03% 11.07% 12.27%
EPS growth (last fiscal year) (57.14%) (100.00%) 32.11%
Revenue growth, 5-year CAGR 47.32% 10.80% 14.34%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric BILL CCC Software Application median
Debt to equity 0.52 0.69 0.02
Current ratio 1.51 2.05 1.53
Net debt to EBITDA (2.05) 4.74 0.09

Dividend

Metric BILL CCC Software Application median
Dividend yield — — 1.10%
Payout ratio — — 0.28

Size

Metric BILL CCC Software Application median
Market cap 4.37b 4.53b 487.58m

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