Bill.com Holdings stock analysis
Bill.com Holdings (0A75) Share Price & Analysis
0A75 Stock Chart & Stats
- Day’s Range
- $53.26 - $54.91
- 52-Week Range
- $31.37 - $57.01
- Previous Close
- $54.15
- Volume
- N/A
- Average Volume (3M)
- 755
- Market Cap
- $4.67B
- Enterprise Value
- $4.44B
- Total Cash (Recent Filing)
- $1.59B
- Total Debt (Recent Filing)
- $1.88B
- Price to Earnings (P/E)
- 89.7
- Beta
- 0.74
- Next Earnings
- Feb 11, 2027 (Est.)
- EPS Estimate
- 0.97
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation
Strong and growing free cash flow indicates that BILL’s improving earnings are supported by cash generation rather than accounting effects. This provides resources to fund product investment, absorb execution costs, support balance-sheet resilience, and sustain strategic flexibility over the next several quarters.
Scaled Payment Network And AI Adoption
BILL’s large payment network and embedded workflow infrastructure can reinforce customer retention, transaction volume, and data advantages as usage expands. Rapid AI adoption across onboarding, risk, support, and payments may further improve efficiency and deepen the platform’s relevance.
Profitability And Growth Outlook
Management’s outlook combines a return to double-digit growth with substantial operating profitability, suggesting improving scalability in the software and payments model. The raised GAAP profit expectation and margin expansion provide a stronger earnings base for reinvestment and durable cash generation.
Bears Say
Muted Underlying Growth And Thin EBIT
Recent top-line contraction and a nearly breakeven operating margin leave limited protection if demand weakens or costs rise. Although profitability has improved, the thin EBIT cushion means BILL still needs renewed organic growth and disciplined expense control to make earnings improvement durable.
Take-rate And Expense Pressure
Lower monetization rates can constrain transaction revenue even when payment volumes grow, while normalized marketing, payroll, cloud, and AI costs may reduce operating leverage. Together, these pressures could slow margin expansion and make the profitability outlook more dependent on execution.
Restructuring And Channel Transition Risk
Ongoing sales reorganization and movement away from custom Embed 1.0 solutions can disrupt customer acquisition, coverage, and partner economics during the transition. The resulting execution burden may delay growth benefits from the unified platform and weigh on customer additions over coming quarters.
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Bill.com Holdings Stock Smart Score
Company Description
Bill.com Holdings
Bill.com Holdings, Inc. offers a powerful cloud-based platform designed to streamline, digitize, and automate the core financial operations for small and medium-sized businesses worldwide. Through its software-as-a-service (SaaS) model, the company provides sophisticated cloud payment solutions and spend management tools. These offerings empower businesses to fully automate both accounts payable and accounts receivable processes, foster seamless connections with their suppliers and clients, abolish traditional expense reports, optimize cash flow, and significantly enhance overall office efficiency. Beyond its core products, Bill.com also furnishes comprehensive support services, covering initial implementation assistance, ongoing technical help, and educational training. Its diverse client base encompasses accounting firms, financial service organizations, and various software enterprises. Established in 2006, Bill.com Holdings, Inc. maintains its corporate headquarters in San Jose, California.
- Sector
- Technology
- Industry
- Software - Application
- CEO
- Rene A. Lacerte
- Employees
- 1,683
- Website
- www.bill.com
- Address
- 6220 America Center Drive, San Jose, CA, 95002, US
Bill.com Holdings (0A75) Earnings & Revenues
0A75 Company Deck
0A75 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. BILL reported solid Q1 execution, accelerating profitability, improving ARPU and retention, strong TPV trends, expanding AI adoption and significant product and partnership momentum. Management also raised its FY '27 GAAP profit outlook and maintained expectations for sustained profitable growth. The main challenges were near-term growth deceleration, tougher comparisons, ongoing restructuring and go-to-market execution, sector-specific softness, dynamic card acceptance conditions and expected operating expense normalization.
View all GB:0A75 earnings summaries0A75 Net sales Breakdown
- 89.25% Subscription and transaction fees
- 10.75% Interest on funds held for customers
0A75 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 3 | 5 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 12 | 0 | 0 |










