BILL
BILL Holdings, Inc.
Technology · Software - Application · NYQ
$34.70
Close 2026-05-28
✓ ETHICAL PASS

UNKNOWN MOAT
HIGH
Data Confidence: 86%
Full financial profile available
Market Cap
$3.5B
Trailing P/E
Forward P/E
10.47
Rev Growth
+13.5%
Profit Margin
0.0%
ROE
0.0%
Analyst Target
$55.00
Recommendation
BUY
About BILL Holdings, Inc.

BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. It provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable businesses to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve back-office efficiency. The company also offers onboarding implementation support, and ongoing support and training services. In addition, the company's artificial intelligence enabled financial software platform provides connections between suppliers and clients. It serves accounting firms, financial institutions, and software provider companies. The company was formerly known as Bill.com Holdings, Inc. and changed its name to BILL Holdings, Inc. in February 2023. BILL Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.

Ethical Screen
Business ActivityPASS
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue Ratio (0.00%)PASS
OverallPASS
Score Ethical: 64.7
Score Valuation: 71.5
Score Quality: 43.2
Score Combined: 49.1

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation85.0
Quality23.1
Cash Flow60.6
Moat40.0
Balance Sheet0.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity100.0
Compliance100.0
Tier: BRONZE · Score: 46.6 · Rank: #2775
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$3.2B
Price/Book
0.91
Beta
1.223
Analysts
21
Total Revenue (TTM)
$1.6B
Total Debt
$1.9B
Rec. Mean
1.91
Short Ratio
5.95
Short % Float
0.2%
Employees
2,364

Elite Intelligence

Trade Consideration with position sizing, convergence signals, and risk analysis. Available to Elite members.

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Trade Consideration
The Opportunity
Score 49.1 (P71 — top 28.6% of scored tickers). Unknown Moat. Ethical PASS. 21 analysts at Buy.
Price: $34.70 | Target: $55.10 (+59%)
Score
49
Moat
Unknown
Conviction
Standard
Upside
+59%
The Fundamentals
Revenue Growth+13.5%
Profit Margin0.0%
ROE0.0%
Forward P/E10.5
Market Cap$3.5B
Position Sizing Scenarios
Stop: $29.50 (-15%) | Entry: $34.70
SharesCostProfit to TargetR:R
To Consensus ($55.10, 21 analysts)
10$347.00+$204.00 (59%)3.9R
50$1,735.00+$1,020.00 (59%)3.9R
100$3,470.00+$2,040.00 (59%)3.9R
Risk Factors
  • Elevated short interest (5.95 days to cover)
The Verdict
BILL Holdings, Inc. passes all ethical screens and holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

D
Quant Score
38.6
Risk Grade
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-5.1%
worst expected daily loss, 19 in 20 days
CVaR 95%
-8.3%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
-0.36
above 1.0 is good
Max Drawdown
-64.4%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
80
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
BELOW_200
Bollinger Position
NEAR_LOWER
Beta
Relative Volume
1.0x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
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Inverse Correlated
TickerCorrelation
ED-0.208
SUKOON.AE-0.169
NG.L-0.153
MOH-0.153
BN.PA-0.142
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Tuesday
Best Month
Nov
Worst Month
Feb
Fri-Mon Effect
-0.07650908387384853
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-7.6%
3M Return
-20.0%
6M Return
-29.4%
12M Return
-22.9%
Momentum Rank
#4111
Momentum Signal
DOWN

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