BILL Holdings, Inc. BILL
Composite 42/100; the shares have moved about 52% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Quality ranks 25/100 — a strong mark against it.
Momentum ranks 57/100 — a slight point in its favour. Valuation ranks 52/100 — a slight point in its favour.
Quality ranks 25/100 — a strong mark against it. Growth ranks 38/100 — a moderate mark against it. Balance-sheet strength ranks 42/100 — a slight mark against it.
What the company does BILL Holdings provides a cloud-based financial operations platform for SMBs, automating AP/AR, payments, and spend management via an AI-enabled network connecting suppliers and customers.
Key financials Revenue grew 13.5% but net margin is 0.0% and ROE/ROA/ROCE are all near zero; gross margin is 83.7% while operating margin is 1.1%. Debt/equity is 0.50, interest coverage 1.23, and current ratio 1.66.
Stock health Sideravia scores BILL “Poor quality, fairly valued” (Overall 42.1) with weak profitability metrics (Piotroski 5/9, Altman Z 0.68) despite a 3.7% FCF yield.
Price vs fair value The stock trades at a discount to both our fair-value estimate and the analyst target. - Price is at a 16.70% discount to our fair-value estimate of 52.58 (Sideravia). - Price is at a 21.11% discount to the 12-month target of 54.57 (analyst count 21.0). - Recent headlines cite slowing growth comparisons and competitive pressure from Intuit (Zacks).
Looking forward Forward P/E of 12.85 and EV/EBITDA of 30.26 imply valuation is contingent on sustained revenue growth and margin expansion to justify current multiples.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.