Bill.com Holdings stock
BILLNYSEBill.com Holdings, Inc., TechnologyISIN US0900431000
54Score 54 out of 100, Neutral
Price and trend
87 / 100
Price history
+4.0% in one yearThe chart shows daily closes over 7 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 26% above it.
Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 64).
The price is 4.1% below its 52-week high. Largest decline in 7 years: 91% (November 2021 to June 2026).
Chart figures for advanced users
- SMA 50$47.67
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$42.78
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)64
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$31.96
- The lowest closing price of the last twelve months.
- Resistance$56.31
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Bill.com Holdings, Inc. belongs to the Software (Application) industry (United States) and, with a market value of $4.64B, is number 81 of 188 companies in its industry on MEQIRI.
- In fiscal 2026 it reported revenue of $1.65B (up 13% year on year) and a loss of $11.24M.
- For fiscal 2027, analysts expect on average revenue of $1.49B (down 10.1%) and adjusted earnings per share of $4.09 (up 47.7%).
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- MEQIRI Score 54 out of 100 (Neutral): rank 545 of 854 in Technology, median 61.
- Our model puts fair value at $47.66, with the price 13% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow above 500% of earnings over the last 12 months.
- Growing faster than its industryRevenue up 47.3% a year since 2021, Software (Application) median 17.2%.Growth 70
- Analysts expect strong earnings growthUp 15.7% a year through 2029 (estimates from 12 analysts).Growth 70
Weaknesses
- Interest barely coveredOperating profit covers interest only 0.4 times.Stability 48
- DilutionShare count up 21% since 2021.Capital allocation 39
- Volatile share priceVolatility 62% a year over the last 12 months.Stability 48
Its standout strengths are technical analysis and momentum, while profitability and valuation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- weak fundamentals
- high price swings
What lowers it
- price near its 52-week high
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $31.77 and expensive above $95.31 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $79.20 (cash-flow model) and $16.11 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 11%. At 12% the fair value would be $42.74, at 10% it would be $54.16.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (31.3).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 7.4% on the twelve months before. Revenue has grown strongly since 2018, at around 50% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2026: gross 81%, operating 1%, net −1%.
Debt & balance sheet
latest quarterDebt is moderate, but interest coverage is weak. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 4 Feb 2027in 83 days
- Last reported
- 5 Nov 2026EPS reported $1.18 (expected $0.98)above expectations
Analyst estimates
Analysts have raised their 2027 earnings estimate by 8.5% since 15 Oct 2026.
- Earnings per share
- $4.09+8.5%
- Revenue
- $1.49B−18.8%
- Earnings per share
- $4.69+6.3%
- Revenue
- $1.62B−20.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −3.6%First guidance for the first quarter and fiscal 2027 with a prudent stance; core revenue net of rewards in the first quarter expected to grow 10% to 14%.
“Included in this guide is an expectation for stock based compensation expenses to be approximately $190 million As a percentage of total revenue, we expect stock based compensation to represent 10% in fiscal year 2027, down from 14% in fiscal year 2026.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 19 Aug 2026 (fiscal Q4 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 3 insiders sold, $19.06M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Lacerte Rene A.Sale
9 Nov 2026, CEO
- Shares
- 2,424
- Price
- $53.00
- Value
- $128,472
- Lacerte Rene A.Sale
6 Nov 2026, CEO
- Shares
- 57,576
- Price
- $53.19
- Value
- $3.06M
- Lacerte Rene A.Sale
3 Sept 2026, CEO
- Shares
- 42,248
- Price
- $50.17
- Value
- $2.12M
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- Lacerte Rene A.Sale
2 Sept 2026, CEO
- Shares
- 214,995
- Price
- $48.42
- Value
- $10.41M
- Jain RohiniSale
1 Sept 2026, Chief Financial Officer
- Shares
- 33,470
- Price
- $47.91
- Value
- $1.6M
- Cieri MichaelSale
31 Aug 2026, Chief Product Officer
- Shares
- 10,754
- Price
- $49.13
- Value
- $528,385
- Cieri MichaelSale
29 May 2026, Chief Product Officer
- Shares
- 32,875
- Price
- $36.64
- Value
- $1.2M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Bill.com Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
854 rated companies in Technology
- This company
- 54
- Sector median
- 61
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Software (Application)
The next larger and next smaller companies by market value
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- Asseco PolandACP.WA $4.76B74
- CCC Intelligent Solutions HoldingsCCC $4.55B58
- Q2 HoldingsQTWO $4.51B66
- Sportradar GroupSRAD $3.82B67
- Life360LIF $3.57B53
ETFs that hold Bill.com Holdings
Held by 11 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| WisdomTree Cloud Computing UCITS ETF USD AccWTEJ | 1.42% | 0.40% | €300.71M |
| State Street SPDR S&P 400 U.S. Mid Cap UCITS ETF (Acc)SPY4 | 0.12% | 0.30% | €5.36B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.08% | 0.43% | €2.5B |
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| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.05% | 0.30% | €964.08M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.05% | 0.45% | €1.54B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.04% | 0.10% | €395.74M |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.01% | 0.25% | €178.55M |
| Vanguard ESG Global All Cap UCITS ETF (USD) AccumulatingV3AA | 0.00% | 0.24% | €1.69B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 30 Jun 2026
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.