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BILL Holdings, Inc.

BILL

$50.87 ▼ -1.03 (-1.98%) at close

10 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

BILL Holdings, Inc. faces fundamental challenges with weakness in Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $5.1B

Dividend Yield —

Revenue Growth 13.0% ↘

Op. Margin -4.4% ↗

ROIC -1.5% ↘

FCF / Share $4.13 ↗

Trailing P/E —

Price / Book 1.3x

FCF Yield 8.1%

Debt / Equity 0.52

info Valuation on last close. End-of-day price, Nov 5, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.65B

↑ +13.0% —

Net Income Profit after all expenses

$-11.24M

↓ -147.2% —

Operating Margin Operating profit as % of sales

-4.4%

↑ +19.4% 18th

FCF / Share Free cash flow per share

$4.13

↑ +23.5% —

Long-Term Debt Long-term obligations

$1.84B

↑ +7.1% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↑

Cash Quality

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗
Revenue Growth YoY (%)	13.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9%)	13.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	21.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+82%)	64.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+441%)	169.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1312%)	51.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+327%)	45.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+279%)	67.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+459%)	—	—
EPS Growth YoY (%)	N/M	N/M	87.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	34.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-169.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-70.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	N/M	N/M	87.1% Excellent ↑ Excellent Improving Year-over-year change in net income	31.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-230.6% Weak ↓ Weak Declining Year-over-year change in net income	-217.5% Weak ↓ Weak Declining Year-over-year change in net income	-325.1% Weak Weak Year-over-year change in net income	-1.7% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	23.5% Good ↓ Good Declining Year-over-year change in free cash flow	27.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	54.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	N/M	-33.8% Weak Weak Year-over-year change in free cash flow	52.1% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—
Revenue CAGR 3Y (%)	16.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	31.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	75.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	88.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	80.9% Excellent Excellent Compound annual revenue growth over 3 years	54.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	47.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	56.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	64.1% Excellent Excellent Compound annual revenue growth over 5 years	74.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗
Operating Margin (%) (%)	-4.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-122%)	-5.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-128%)	-13.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-167%)	-27.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-240%)	-49.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-347%)	-47.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-339%)	-21.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-208%)	-9.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-145%)	-12.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	—
Effective Tax Rate (%) (%)	-11.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-9.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-0.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	1.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	-2.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-21.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-241%)	-50.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-439%)	-41.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-376%)	-19.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-232%)	-6.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-145%)	-11.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-174%)	—
FCF Margin (%) (%)	25.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	23.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	17.0% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	-3.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-6.0% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-10.1% Weak → Weak Stable Free cash flow as a percentage of revenue Optimal: > 10%	-6.2% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-14.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	-36.70x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	14.55x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-9.62x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.81x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.07x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.14x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.51x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.91x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	1.34x Good Good Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗
Return on Invested Capital (%)	-1.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-5.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-5.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-2.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-4.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	9.3% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	7.7% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-3.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	-0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	-0.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-104%)	-5.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-130%)	-8.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-144%)	-3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-121%)	-4.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-124%)	7.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	7.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗
Debt to Equity (x)	0.52x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+16%)	0.44x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.45x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.44x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.39x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-13%)	—	—	—	—
Interest Coverage (x)	-3.87x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-5.85x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-13.81x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-19.45x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-33.64x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-4.05x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-149.34x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-11.88x Weak Weak Operating income divided by interest expense Optimal: > 5x	-18.31x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$805.07M	$676.12M	$-71.94M	$222.68M	$176.54M	$479.77M	$-573.64M	$-90.31M	$-22.40M	—
Debt / EBITDA (x)	-104.64x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-32.29x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-6.05x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-6.56x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-5.81x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-9.11x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗
Revenue per Share (USD)	$16.55	$14.12	$12.16	$9.99	$6.31	$2.88	$3.57	—	—	—
Basic EPS, GAAP (USD)	$-0.11	$0.23	$-0.27	$-2.11	$-3.21	$-1.19	$-0.70	—	—	—
Free Cash Flow per Share (USD)	$4.13	$3.34	$2.62	$1.70	$-0.23	$-0.17	$-0.36	—	—	—
Book Value per Share (USD)	$38.35	$38.00	$38.77	$38.35	$38.61	$26.77	$16.11	—	—	—
Tangible Book Value per Share (USD)	$10.56	$12.57	$13.65	$12.46	$11.92	$3.60	$16.11	—	—	—
Basic Weighted Avg Shares (shares)	99.92M	103.57M	106.10M	105.98M	101.75M	82.81M	44.11M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗
Working Capital (USD)	$2.51B	$2.65B	$2.25B	$2.92B	$2.87B	$1.28B	—	$163.69M	—	—
LT Debt (USD)	$1.84B	$1.71B	$914.00M	$1.84B	$1.77B	$989.38M	—	—	—	—
Total Equity (USD)	$3.53B	$3.91B	$4.13B	$4.09B	$4.04B	$2.53B	$710.72M	$-102.66M	$-101.90M	$-96.83M

📋 What is driving earnings? 4 metrics

Metric	FY 2026 Jun 30, 2026 10-K ↗	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$1.65B	$1.46B	$1.29B	$1.06B	$641.96M	$238.26M	$157.60M	$108.35M	$64.86M	—
Depreciation Expense (USD)	$55.90M	$27.50M	$23.20M	$15.50M	$11.50M	$5.40M	$4.30M	—	—	—
Net Income, GAAP (USD)	$-11.24M	$23.80M	$-28.88M	$-223.72M	$-326.36M	$-98.72M	$-31.09M	$-7.31M	$-7.20M	—
Operating Cash Flow (USD)	$415.83M	$350.64M	$278.77M	$187.77M	$-18.09M	$4.62M	$-4.43M	$-3.95M	$-8.36M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 10 years · 34 quarters

BILL Holdings, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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