Inside the research

BILL Holdings, Inc.

BILL Research profile · latest available data

Price overview

$44.25

▼ -0.72 (-1.6%)

52w hi$56.31
52w lo$31.96
Vol1.46M
As of25 Sep 2026

The Verdict

Hold

Our score +0.44

Short+0.24
Medium+0.65
Long+0.41

computed 2026-09-27

Key fundamentals

BILL Holdings, Inc.

Technology · Software - Application

Market cap$3.77B
Enterprise value$3.73B
Forward P/E10.18x
EV / EBITDA37.30x
P / S (ttm)2.67x
Profit margin-0.7%
Return on equity-0.3%
Revenue growth+13.8%
Debt / equity53.74

Layer Breakdown

LayerRawContribution
Fundamental+0.18
Sector+0.15
Technical+0.24
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-09-27

Business overview

BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. The company offers cloud-based payments, accounts payable, accounts receivable, and spend and expense management solutions. It also provides BILL Spend and Expense, a spend and expense management suite that provides a solution for businesses to have charge cards, build and monitor budgets, manage payments, and eliminate the need for manual expense reports. In addition, the company offers onboarding implementation support, and ongoing support and training services. Additionally, it provides payment services, including ACH, card, real-time, and cross-border payments, as well as checks and pay by card services; lending and deposit products; and value-added services. The company's artificial intelligence enabled financial software platform provides connections between suppliers and clients. It serves accounting firms, financial institutions, and software provider companies. The company was formerly known as Bill.com Holdings, Inc. and changed its name to BILL Holdings, Inc. in February 2023. BILL Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.

United States · www.bill.com

Risk Metrics

Beta vs SPX1.70
Corr SPX0.43
Annual vol63.1%
Annual ret+9.8%
Sharpe0.16
Max DD-67.2%

Window: 504 trading days (504 obs)

Material Events

DateEvent8-K
2026-05-26Officer / Director Change, Reg FD Disclosure…read
2026-05-07Earnings Release, Restructuring…read
2026-03-16Officer / Director Changeread
2026-02-05Earnings Release, Exhibitsread
2026-01-26Officer / Director Changeread
2025-12-16Officer / Director Changeread
2025-12-11Shareholder Voteread
2025-11-06Earnings Release, Exhibitsread
2025-10-20Officer / Director Changeread
2025-10-16Material Agreement, Officer / Director Change…read
2025-10-08Officer / Director Changeread
2025-08-27Earnings Release, Reg FD Disclosure…read

Insider Trades

DateInsiderRoleActionSharesValue
2026-05-29Cieri MichaelOfficer, Chief Product OfSell5.60K$199.83K
2026-05-29Cieri MichaelOfficer, Chief Product OfSell23.77K$874.98K
2026-05-29Cieri MichaelOfficer, Chief Product OfSell3.50K$129.85K
2026-05-28Lacerte Rene A.Director, Officer, CEOOption exercise24.63K—
2026-05-28Moss Kenneth AOfficer, Chief TechnologyOption exercise1.98K—
2026-05-28Lacerte Rene A.Director, Officer, CEOOption exercise6.66K—
2026-05-28Moss Kenneth AOfficer, Chief TechnologyOption exercise23.35K—
2026-05-28Lacerte Rene A.Director, Officer, CEOWithheld for tax15.92K$554.88K
2026-05-28Cieri MichaelOfficer, Chief Product OfWithheld for tax18.72K$652.25K
2026-05-28Cieri MichaelOfficer, Chief Product OfOption exercise51.59K—

Flow & Concentration

Insider 180d net-$1.20M
Insider buys / sells0 / 3
Insider biasNeutral
13F holders9
Top-5 share99.0%
HHI2,768 (concentrated)

Top Holders

HolderValueShares
Millennium Management$66.72M77.09M
State Street Corp$31.22M36.12M
Fidelity / FMR LLC$26.99M746.35K
Citadel Advisors$26.31M727.66K
AQR Capital Management$4.68M130.27K
Renaissance Technologies$755.74K20.90K
Bridgewater Associates$528.84K14.62K
Capital Research / Capital World$247.57K287.00K
T. Rowe Price Group$59.01K1.63M

As of 2026-06-30

SEC Filings

DateFormDoc
2026-06-178-K/Aview
2026-06-014view
2026-06-014view
2026-06-014view
2026-06-014view
2026-05-268-Kview
2026-05-0810-Qview
2026-05-078-Kview
2026-03-168-Kview
2026-03-034view
2026-03-034view
2026-03-034view
2026-03-034view
2026-02-0610-Qview
2026-02-058-Kview

The Long Run

FY 2020–2025 · 6 years

LineLatestCAGRTrend
Revenue$1.06B+116.2%
Gross profit$864.49M+80.2%
Operating income-$295.77M—
Net income-$28.88M—
Cash from ops$278.77M+178.7%

Indices

S&P MidCap 400

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$44.83$45.82$44.21$44.251.46M
Sep 24$46.12$46.62$44.89$44.971.92M
Sep 23$46.80$47.08$45.61$45.921.10M
Sep 22$47.99$48.27$46.06$46.491.73M
Sep 21$48.00$48.26$46.80$47.061.41M

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