BILL Holdings, Inc. (BILL) stock

BILLNYSEServices-Prepackaged SoftwareFiscal year ends June 30

Financials through Q1 FY2027, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 12/30141% above fair value

$54.48+0.48 (+0.89%)

Close on Nov 13, 2026Market cap $4.65BP/E 109.0Yield –

BILL statistics

93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Feb 4, 2027 (estimated, after the close)
Last ex-dividend date: No dividends
Fundamentals through: Sep 30, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $4.65B; $792.38M
Enterprise Value: $3.05B; $779.89M
PE Ratio: 108.96; 25.88
PS Ratio: 2.88; 2.33
PB Ratio: 1.41; 2.73
P/TBV Ratio: 6.14; 4.73
P/FCF Ratio: 11.23; 15.38
P/OCF Ratio: 11.17; 12.99

Enterprise valuationIndustry

EV / Sales: 1.89; 2.10
EV / EBITDA: 55.97; 16.18
EV / FCF: 7.38; 15.48

Share statisticsIndustry

Shares Outstanding: 85M; 59M
Shares Change (YoY): -1.20%; 1.88%
Float: 76M; 53M
Shares Held by Insiders: 11.3%; 13.1%
Shares Held by Institutions: 115.3%; 62.6%

Short sellingIndustry

Short Interest: 11M; –
Short Interest Change: -0.35%; -3.30%
Short % of Float: 14.3%; 5.82%
Short % of Shares Outstanding: 12.7%; 4.22%
Days to Cover: 7.95; 3.54

Stock price statisticsIndustry

52-Week High: $57.21; –
52-Week Low: $31.41; –
20-Day Moving Average: $50.72; –
50-Day Moving Average: $47.74; –
200-Day Moving Average: $42.83; –
Average True Range (14): $1.90; –
Price Change (1 Week): 3.95%; 0.50%
Price Change (1 Month): 16.1%; -1.81%
Price Change (3 Months): 12.3%; -4.67%
Price Change (6 Months): 36.0%; 0.47%
Price Change (YTD): -0.11%; -13.6%
Price Change (1 Year): 4.93%; -13.9%
Price Change (3 Years): -5.73%; -16.1%
Price Change (5 Years): -83.7%; -57.0%
Average Volume (10 Days): 2M; –
Average Volume (20 Days): 1M; –
Average Volume (90 Days): 2M; –
Relative Volume: 0.51; 0.64
Relative Strength Index (14): 69.7; 47.4
Volatility (1 Year): 61.4%; 65.4%
Beta (5 Years): 1.81; 1.19

MarginsIndustry

Gross Margin: 80.1%; 55.6%
Operating Margin: -0.10%; -2.03%
Pretax Margin: 3.36%; -0.85%
Profit Margin: 3.23%; -2.58%
EBITDA Margin: 3.38%; 0.72%
FCF Margin: 25.7%; 9.88%

Returns on capitalIndustry

Return on Equity (ROE): 1.45%; 1.34%
Return on Assets (ROA): 0.52%; -3.24%
Return on Invested Capital (ROIC): -0.09%; -0.09%
Return on Capital Employed (ROCE): -0.03%; -0.55%

Financial positionIndustry

Current Ratio: 1.50; 1.37
Quick Ratio: 0.35; 0.94

GrowthIndustry

Revenue Growth (YoY): 13.6%; 9.45%
Net Income Growth (YoY): 335.8%; 9.41%
FCF Growth (YoY): 17.1%; 14.3%
Revenue Growth (3Y CAGR): 16.0%; 7.44%
Revenue Growth (5Y CAGR): 47.3%; 12.3%

EfficiencyIndustry

Asset Turnover: 0.16; 0.64
Revenue Per Employee: $957.34K; $394.08K
Profits Per Employee: $30.88K; -$7.02K
Employee Count: 1,683; 525
WACC: 14.2%; 10.3%

Income statement (TTM)Industry

Revenue: $1.61B; $257.79M
Gross Profit: $1.29B; $158.22M
Operating Income: -$1.57M; -$638.82K
Pretax Income: $54.18M; -$315.88K
Net Income: $51.98M; -$309.55K
EBITDA: $54.53M; -$78.29K
EPS (Diluted): $0.50; $0.00

Balance sheetIndustry

Cash & Short-Term Investments: $1.59B; $41.99M
Net Cash (Debt): $1.59B; $1.76M
Net Cash Per Share: $18.69; $0.12
Equity (Book Value): $3.30B; $51.00M
Book Value Per Share: $38.69; $1.98
Tangible Book Value: $756.13M; $2.87M
Working Capital: $2.32B; $16.25M

Cash flow (TTM)Industry

Operating Cash Flow: $415.79M; $5.65M
Capital Expenditures: -$2.12M; -$5.67M
Free Cash Flow: $413.67M; $35.58M
FCF Per Share: $4.85; $0.53

Dividends and yieldsIndustry

Earnings Yield: 1.12%; 0.37%
FCF Yield: 8.90%; 4.39%
Buyback Yield: 17.0%; 3.39%
Shareholder Yield: 17.0%; 3.74%

Taxes and interestIndustry

Income Tax: $2.20M; $1.63M
Effective Tax Rate: 4.06%; 22.4%

Scores and fair valueIndustry

Graham Number: $20.86; $16.88
Graham Upside: -61.7%; -55.0%
Altman Z-Score: 0.55; 1.96
Piotroski F-Score: 5; 5
Beneish M-Score: -2.76; -2.82

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	BILL	S&P 500	Difference	BILL per year	S&P 500 per year
1 month	+23.9%	-3.0%	+26.9 pts
3 months	+6.2%	-2.8%	+9.0 pts
Year to date	-0.1%	+11.5%	−11.6 pts
1 year	+8.7%	+13.5%	−4.7 pts
3 years	-4.4%	+77.7%	−82.1 pts	-1.5%	+21.1%
5 years	-83.7%	+72.6%	−156.3 pts	-30.4%	+11.5%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

11M BILL shares were sold short on Oct 30, 2026, down 0.3% from the previous report, or 14.31% of the shares available to trade. At recent volumes it would take 8.0 days to buy them back. Over the last 20 sessions, 55.2% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	10,822,295	-0.3%	1,361,331	8.0
Oct 15, 2026	10,859,833	+1.7%	1,330,104	8.2
Sep 30, 2026	10,679,527	-2.4%	1,891,698	5.7
Sep 15, 2026	10,943,117	-3.0%	1,715,163	6.4
Aug 31, 2026	11,285,945	+6.9%	2,569,001	4.4
Aug 14, 2026	10,552,777	+3.0%	2,388,797	4.4
Jul 31, 2026	10,246,952	-20.1%	2,366,019	4.3
Jul 15, 2026	12,822,172	+0.2%	2,416,606	5.3
Jun 30, 2026	12,797,945	+3.6%	2,569,730	5.0
Jun 15, 2026	12,355,954	+9.4%	3,094,332	4.0
May 29, 2026	11,293,211	-13.0%	2,922,839	3.9
May 15, 2026	12,986,371	-2.0%	3,034,781	4.3