(BILL) Bill Com Holdings - Ratings and Ratios
Payments Platform, Spend Management, AP/AR Automation, Business Network
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 55.3% |
| Value at Risk 5%th | 79.2% |
| Relative Tail Risk | -12.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.55 |
| Alpha | -60.44 |
| CAGR/Max DD | -0.30 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.490 |
| Beta | 1.662 |
| Beta Downside | 1.735 |
| Drawdowns 3y | |
|---|---|
| Max DD | 72.10% |
| Mean DD | 46.34% |
| Median DD | 53.34% |
Description: BILL Bill Com Holdings November 05, 2025
Bill Holdings, Inc. (NYSE:BILL) operates a cloud-based financial operations platform targeting small and midsize enterprises (SMBs) worldwide. Its SaaS suite automates accounts payable and receivable, links buyers with suppliers, eliminates manual expense reporting, and provides cash-flow visibility, while also offering implementation, support, and training services. The platform leverages artificial-intelligence to enhance supplier-client connectivity and serves accounting firms, financial institutions, and software providers. The company, originally incorporated as Bill.com in 2006 and rebranded to BILL Holdings in February 2023, is headquartered in San Jose, California, and is classified under the Systems Software sub-industry.
Key performance indicators from the most recent fiscal year show annual recurring revenue (ARR) of approximately $1.1 billion, representing a year-over-year growth rate of roughly 22 %, and a gross margin hovering near 80 %, consistent with high-margin SaaS businesses. The addressable market for SMB fintech solutions is expanding at a compound annual growth rate of 12-15 % globally, driven by accelerated digital transformation and the need for efficient cash-flow management amid tighter credit conditions.
Given the company’s strong margin profile and the secular shift toward cloud-based back-office automation, a deeper quantitative analysis could be valuable; you may find additional insights by reviewing Bill’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (11.9m TTM) > 0 and > 6% of Revenue (6% = 90.0m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 0.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 196.8% (prev 159.9%; Δ 36.89pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 361.2m > Net Income 11.9m (YES >=105%, WARN >=100%) |
| Net Debt (822.1m) to EBITDA (115.6m) ratio: 7.11 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.67 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (101.9m) change vs 12m ago -5.03% (target <= -2.0% for YES) |
| Gross Margin 81.77% (prev 81.89%; Δ -0.12pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 15.63% (prev 14.85%; Δ 0.77pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.52 (EBITDA TTM 115.6m / Interest Expense TTM 20.5m) >= 6 (WARN >= 3) |
Altman Z'' 1.15
| (A) 0.29 = (Total Current Assets 7.33b - Total Current Liabilities 4.38b) / Total Assets 10.15b |
| (B) -0.16 = Retained Earnings (Balance) -1.60b / Total Assets 10.15b |
| (C) 0.00 = EBIT TTM 31.2m / Avg Total Assets 9.60b |
| (D) -0.25 = Book Value of Equity -1.58b / Total Liabilities 6.27b |
| Total Rating: 1.15 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.42
| 1. Piotroski 3.0pt |
| 2. FCF Yield 6.84% |
| 3. FCF Margin 23.04% |
| 4. Debt/Equity 0.49 |
| 5. Debt/Ebitda 7.11 |
| 6. ROIC - WACC (= -8.49)% |
| 7. RoE 0.31% |
| 8. Rev. Trend 93.54% |
| 9. EPS Trend 58.63% |
What is the price of BILL shares?
Over the past week, the price has changed by +2.06%, over one month by +5.07%, over three months by +6.81% and over the past year by -39.26%.
Is BILL a buy, sell or hold?
- Strong Buy: 10
- Buy: 7
- Hold: 9
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the BILL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 60.8 | 11.5% |
| Analysts Target Price | 60.8 | 11.5% |
| ValueRay Target Price | 45.2 | -17.2% |
BILL Fundamental Data Overview December 11, 2025
P/E Forward = 24.6305
P/S = 3.6307
P/B = 1.3994
P/EG = 0.8201
Beta = 1.357
Revenue TTM = 1.50b USD
EBIT TTM = 31.2m USD
EBITDA TTM = 115.6m USD
Long Term Debt = 1.83b USD (from longTermDebt, last quarter)
Short Term Debt = 33.4m USD (from shortTermDebt, last quarter)
Debt = 1.92b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 822.1m USD (from netDebt column, last quarter)
Enterprise Value = 5.05b USD (5.45b + Debt 1.92b - CCE 2.31b)
Interest Coverage Ratio = 1.52 (Ebit TTM 31.2m / Interest Expense TTM 20.5m)
FCF Yield = 6.84% (FCF TTM 345.5m / Enterprise Value 5.05b)
FCF Margin = 23.04% (FCF TTM 345.5m / Revenue TTM 1.50b)
Net Margin = 0.80% (Net Income TTM 11.9m / Revenue TTM 1.50b)
Gross Margin = 81.77% ((Revenue TTM 1.50b - Cost of Revenue TTM 273.4m) / Revenue TTM)
Gross Margin QoQ = 83.32% (prev 80.80%)
Tobins Q-Ratio = 0.50 (Enterprise Value 5.05b / Total Assets 10.15b)
Interest Expense / Debt = 0.35% (Interest Expense 6.73m / Debt 1.92b)
Taxrate = -5.30% (negative due to tax credits) (149.0k / -2.81m)
NOPAT = 32.8m (EBIT 31.2m * (1 - -5.30%)) [negative tax rate / tax credits]
Current Ratio = 1.67 (Total Current Assets 7.33b / Total Current Liabilities 4.38b)
Debt / Equity = 0.49 (Debt 1.92b / totalStockholderEquity, last quarter 3.88b)
Debt / EBITDA = 7.11 (Net Debt 822.1m / EBITDA 115.6m)
Debt / FCF = 2.38 (Net Debt 822.1m / FCF TTM 345.5m)
Total Stockholder Equity = 3.87b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.12% (Net Income 11.9m / Total Assets 10.15b)
RoE = 0.31% (Net Income TTM 11.9m / Total Stockholder Equity 3.87b)
RoCE = 0.55% (EBIT 31.2m / Capital Employed (Equity 3.87b + L.T.Debt 1.83b))
RoIC = 0.58% (NOPAT 32.8m / Invested Capital 5.62b)
WACC = 9.07% (E(5.45b)/V(7.37b) * Re(12.14%) + D(1.92b)/V(7.37b) * Rd(0.35%) * (1-Tc(-0.05)))
Discount Rate = 12.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.90%
[DCF Debug] Terminal Value 69.28% ; FCFE base≈323.7m ; Y1≈399.4m ; Y5≈681.4m
Fair Price DCF = 62.40 (DCF Value 6.25b / Shares Outstanding 100.2m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 58.63 | EPS CAGR: 139.2% | SUE: 0.45 | # QB: 0
Revenue Correlation: 93.54 | Revenue CAGR: 28.07% | SUE: 0.81 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.51 | Chg30d=-0.012 | Revisions Net=-4 | Analysts=20
EPS current Year (2026-06-30): EPS=2.22 | Chg30d=+0.086 | Revisions Net=+18 | Growth EPS=+0.7% | Growth Revenue=+10.3%
EPS next Year (2027-06-30): EPS=2.56 | Chg30d=+0.035 | Revisions Net=+5 | Growth EPS=+15.2% | Growth Revenue=+13.2%
Additional Sources for BILL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle