Stocks · Technology · Software - Application
Bill.com Holdings, Inc. BILL
$43.62 -0.37% Close, Oct 2, 2026 · NYSE · Market cap $4.34B
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +18.9%).
- Net debt is 6.9× EBITDA, a high level of leverage.
- Operating margin widened to 1.1% from -5.5% a year earlier.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth73Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 48%
- FCF growth (TTM, YoY)Top 28%
- Revenue growth, 3-year CAGRTop 26%
- Revenue growth accelerationTop 50%
Quality31Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 40%
- Gross marginTop 8%
- Operating marginBottom 39%
- Accruals (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Bottom 4%
- Interest coverBottom 36%
Value63Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 39%
- Free-cash-flow yieldTop 10%
- EBITDA / enterprise valueBottom 45%
- Sales / enterprise valueTop 43%
Momentum39Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 40%
- 6-month returnBottom 40%
- 1-year return vs S&P 500Bottom 34%
- Distance from 52-week highTop 39%
- Trend checklist (0–4)Bottom 40%
Revisions79Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 29%
- Consecutive EPS beatsTop 9%
- Share of analysts rating BuyBottom 36%
- Upside to consensus price targetTop 46%
Stability27Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 26%
- Maximum drawdown, 3 yearsBottom 28%
- Beta vs S&P 500 (lower is better)Bottom 33%
- Net debt / EBITDA (lower is better)Bottom 4%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.5% | 13.0% | ↑ |
| Gross margin | 81.4% | 80.9% | ↓ |
| Operating margin | -5.5% | 1.1% | ↑ |
| FCF margin | 21.5% | 29.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 13.0% | 12.5% | ↑ | Top 48% |
| Gross margin | 80.9% | 81.4% | ↓ | Top 8% |
| Operating margin | 1.1% | -5.5% | ↑ | Bottom 39% |
| Net margin | -0.7% | 1.6% | ↓ | — |
| Free-cash-flow margin | 29.0% | 21.5% | ↑ | — |
| Return on invested capital | 0.3% | — | Bottom 40% | |
| Revenue growth, 3-year CAGR | 16.0% | — | Top 26% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -4.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 7.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +7.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 6.88×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 12.56%
- Shareholder yield
- 12.56%
- Share count change, 1 year
- -3.2%
- Share count change, 3-year CAGR
- -2.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 20, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +18.9%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $56.56
- Target vs current price
- +29.7%
- Analysts with a rating
- 32
- Share rating Buy or Strong Buy
- 56%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 19, 2026 | +18.6% | -3.0% | -3.0% | -0.3% | — |
| May 7, 2026 | +23.6% | +1.6% | +7.8% | -3.0% | +27.4% |
| Feb 5, 2026 | +14.3% | -4.2% | +26.3% | +21.2% | +4.9% |
| Nov 6, 2025 | +19.1% | -4.6% | +11.6% | +13.2% | -20.3% |
| Aug 27, 2025 | +29.3% | +2.5% | +13.5% | +28.5% | +19.4% |
| May 8, 2025 | +35.1% | +2.5% | +3.4% | -1.6% | -8.7% |
| Feb 6, 2025 | +30.2% | -0.7% | -37.1% | -50.9% | -53.3% |
| Nov 7, 2024 | +23.5% | +1.8% | +38.6% | +47.5% | +49.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 19, 2026 | $0.84 | $0.71 | +18.6% | $436.2M |
| May 7, 2026 | $0.68 | $0.55 | +23.6% | $406.6M |
| Feb 5, 2026 | $0.64 | $0.56 | +14.3% | $414.7M |
| Nov 6, 2025 | $0.61 | $0.51 | +19.1% | $395.7M |
| Aug 27, 2025 | $0.53 | $0.41 | +29.3% | $383.3M |
| May 8, 2025 | $0.50 | $0.37 | +35.1% | $358.2M |
| Feb 6, 2025 | $0.56 | $0.43 | +30.2% | $362.6M |
| Nov 7, 2024 | $0.63 | $0.51 | +23.5% | $358.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 11.6× | — | — | — |
| EV / EBITDA | 41.4× | — | — | Bottom 45% |
| EV / Sales | 3.15× | — | — | Top 43% |
| Free-cash-flow yield | 11.02% | — | — | Top 10% |
| Earnings yield | -0.26% | — | — | Bottom 39% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 2
- 50-day average slope (20 days)
- +5.0%
- 200-day average slope (20 days)
- -1.2%
- Distance from 50-day average
- -7.8%
- Distance from 200-day average
- +0.8%
- RSI (14)
- 40.5
- Relative volume
- 0.66×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 45.1%
- Volatility vs own 5-year history
- 16th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.69
- Correlation with S&P 500
- 0.44
- Current drawdown from 1-year high
- -22.5%
- Maximum drawdown, 3 years
- -72.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 9, 2021 | Jun 22, 2026 | -90.7% | 1156 days | Not yet recovered |
| Feb 10, 2021 | May 6, 2021 | -32.1% | 59 days | 51 days (Jul 20, 2021) |
| Dec 22, 2020 | Jan 27, 2021 | -26.2% | 23 days | 7 days (Feb 5, 2021) |
| Oct 14, 2020 | Nov 13, 2020 | -20.5% | 22 days | 10 days (Nov 30, 2020) |
| Sep 8, 2021 | Sep 28, 2021 | -13.0% | 14 days | 12 days (Oct 14, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.34B
- EPS, diluted (TTM)
- -$0.11
- Revenue (TTM)
- $1.65B
- 52-week range
- $31.41 – $57.21
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $642.0M | $1.06B | $1.29B | $1.46B | $1.65B |
| Gross profit | $497.0M | $864.5M | $1.06B | $1.19B | $1.34B |
| Operating income | -$316.8M | -$295.8M | -$174.2M | -$80.6M | $17.4M |
| Net income | -$326.4M | -$223.7M | -$28.9M | $23.8M | -$11.2M |
| EPS (diluted) | -$3.21 | -$2.11 | -$0.27 | $0.23 | -$0.11 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $358.4M | $362.6M | $358.2M | $383.3M | $395.7M | $414.7M | $406.6M | $436.2M |
| Net income | $8.9M | $33.5M | -$11.6M | -$7.1M | -$3.0M | -$2.6M | $12.8M | -$18.5M |
| EPS (diluted) | $0.08 | -$0.06 | -$0.11 | -$0.07 | -$0.03 | -$0.03 | $0.12 | -$0.18 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | -$18.1M | $187.8M | $278.8M | $350.6M | $425.8M |
| Capital expenditure | -$15.6M | -$31.2M | -$20.9M | -$41.0M | -$3.3M |
| Free cash flow | -$33.7M | $156.6M | $257.9M | $309.7M | $422.4M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $1.34B | -$55.9M | -$187.3M | -$414.7M | -$545.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.94B
- Total assets
- $10.22B
- Total liabilities
- $6.69B
- Total debt
- $1.90B
- Net debt
- $866.4M
- Shareholders’ equity
- $3.53B
As of Jun 30, 2026 (filed Aug 20, 2026).
Short interest
- Shares sold short
- 10,943,117
- Days to cover
- 6.38
- Change vs previous report
- -3.0%
FINRA short interest, settlement date Sep 15, 2026.