Bill.com Holdings (BILL1) Price & Analysis
BILL1 Stock Chart & Stats
- Day’s Range
- MXN 843.28 - MXN 843.28
- 52-Week Range
- MXN 550.00 - MXN 1,047.19
- Previous Close
- MXN 843.28
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 77.93B
- Enterprise Value
- MXN 3.36B
- Total Cash (Recent Filing)
- MXN 1.94B
- Total Debt (Recent Filing)
- MXN 1.90B
- Price to Earnings (P/E)
- ―
- Beta
- -0.21
- Next Earnings
- Nov 05, 2026
- EPS Estimate
- 18.37
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Strong Gross Margins
An approximately 81% gross margin indicates BILL’s software and payment platform retains substantial economic value after direct costs. This provides room to fund product development, absorb pricing or mix pressure, and convert future revenue growth into stronger operating profitability.
AI-enabled Efficiency And Risk Improvement
Broad AI adoption is improving automation, processing efficiency, and risk management across BILL’s platform. These capabilities can deepen customer value, support cross-selling, reduce operating effort, and strengthen underwriting economics as usage expands over the next several quarters.
Integrated Platform Traction
Rising multi-product adoption and 111% cohort net revenue retention show that BILL is increasing value within its existing customer base. Cross-sell and retention can make revenue more durable, lower reliance on new customer acquisition, and reinforce the platform’s competitive position.
Bears Say
Severe Cash-flow Deterioration
The sharp collapse in operating and free cash flow weakens BILL’s ability to self-fund growth, absorb operating volatility, and return capital without relying on its balance sheet. Unless cash conversion recovers, this volatility could constrain strategic flexibility over coming quarters.
Slowing Growth And Inconsistent Profitability
Decelerating revenue growth combined with a return to a net loss suggests BILL has not yet established consistent operating leverage. A slower expansion rate can reduce the benefits of its platform scale, while uneven profits make sustained investment and shareholder returns less predictable.
Go-to-market Execution Headwinds
Reorganizing sales teams, retraining staff, and exiting roles can temporarily weaken customer acquisition and execution consistency. The lower net-new customer additions indicate this transition is already affecting momentum, while recovery depends on the revised sales model producing better results.
BILL1 FAQ
What was Bill.com Holdings’s price range in the past 12 months?
What is Bill.com Holdings’s market cap?
When is Bill.com Holdings’s upcoming earnings report date?
How were Bill.com Holdings’s earnings last quarter?
Is Bill.com Holdings overvalued?
Does Bill.com Holdings pay dividends?
What is Bill.com Holdings’s EPS estimate?
How many shares outstanding does Bill.com Holdings have?
What happened to Bill.com Holdings’s price movement after its last earnings report?
Which hedge fund is a major shareholder of Bill.com Holdings?
What is the TipRanks Smart Score and how is it calculated?
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 (BILL1) Earnings & Revenues
BILL1 Company Deck
BILL1 Earnings Call
Earnings Call SentimentPositive
The call emphasized meaningful operational and financial progress: solid Q4 revenue growth (+16% core revenue), significant margin expansion and profitability improvements, large-scale AI adoption delivering productivity and risk improvements (invoice financing volume/revenue +~30% and >50% loss-rate improvement), strong cross-product adoption (35% growth) and active capital returns (share buybacks). Management also candidly disclosed near-term headwinds tied to go-to-market reorganization, slower net-new customer adds, SPP rollout timing, bank-channel consolidation, and S&E acceptance/rewards dynamics which together were modeled as roughly a 3-point headwind to FY27 growth. On balance the company presented durable growth targets (FY27 core revenue +11%–14%), clear margin targets (23%–24% non-GAAP operating margin) and GAAP profitability plans, with multiple operational levers (AI, platform cross-sell, Embed 2.0) expected to drive future upside — overall the positives (growth, margin expansion, AI-driven improvements, buybacks, and guidance) outweigh the disclosed near-term execution risks.
View all MX:BILL1 earnings summariesBILL1 Net sales Breakdown
- 89.25% Subscription and transaction fees
- 10.75% Interest on funds held for customers
BILL1 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 3 | 10 |
| Technical Analysis | 2 | 3 | 4 |
| Moving Averages | 6 | 0 | 6 |