BILL

BILL Holdings Inc

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41.730

-1.12(-2.614%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

42.720

Open

42.220

VWAP

41.91

Vol

2.44M

Mkt Cap

4.30B

Low

41.480

Amount

102.24M

EV/EBITDA(TTM)

295.75

Total Shares

106.14M

3.95B

EV/OCF(TTM)

11.45

P/S(TTM)

3.16

BILL Holdings, Inc. provides a financial operations platform for small and midsize businesses (SMBs). The Company offers software-as-a-service, cloud-based payments, and spend and expense management products, which allow users to automate accounts payable and accounts receivable transactions, enable businesses to easily connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve back-office efficiency. Its artificial intelligence (AI)-enabled financial software platform creates seamless connections between its customers, their suppliers, and their clients. Businesses on its platform generate and process invoices, streamline approvals, make and receive payments, manage employee expenses, sync with their accounting system, foster collaboration, and manage their cash flow. Its integrated platform also includes BILL Spend and Expense, its spend and expense management product, which provides a solution for businesses.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q2

FY2026Q1

FY2025Q4

406.21M

+12.04%

0.557

-0.53%

396.54M

+10.63%

0.548

-13.05%

376.43M

+9.54%

0.402

-29.4%

Estimates Revision

The market is revising Downward the revenue expectations for BILL Holdings, Inc. (BILL) for FY2025, with the revenue forecasts being adjusted by -0.22% over the past three months. During the same period, the stock price has changed by -8.27%.

Revenue Estimates for FY2025

Revise Downward

-0.22%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+7.06%

In Past 3 Month

Stock Price

Go Down

-8.27%

In Past 3 Month

20 Analyst Rating

37.98% Upside

Wall Street analysts forecast BILL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for BILL is 57.58 USD with a low forecast of 40.00 USD and a high forecast of 75.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

10 Buy

9 Hold

1 Sell

Moderate Buy

37.98% Upside

Current: 41.730

Low

40.00

Averages

57.58

High

75.00

37.98% Upside

Current: 41.730

Low

40.00

Averages

57.58

High

75.00

Truist

Hold

maintain

$47 -> $50

2025-07-22

Reason

Truist

Price Target

$47 -> $50

2025-07-22

maintain

Hold

Reason

Truist raised the firm's price target on Bill to $50 from $47 and keeps a Hold rating on the shares. Truist likes the setup for the FinTech sector as earnings results in totality should be solid, and the group has underperformed of late, the analyst tells investors in a research note.

Baird

David Koning

Neutral

downgrade

$55 -> $52

2025-07-18

Reason

Baird

David Koning

Price Target

$55 -> $52

2025-07-18

downgrade

Neutral

Reason

Baird analyst David Koning lowered the firm's price target on Bill to $52 from $55 and keeps a Neutral rating on the shares. The firm is designating the shares as a bearish Fresh Pick.

Deutsche Bank

Nate Svensson

Buy

Hold

downgrade

$49

2025-07-17

Reason

Deutsche Bank

Nate Svensson

Price Target

$49

2025-07-17

downgrade

Buy

Hold

Reason

Deutsche Bank analyst Nate Svensson resumed coverage of Bill with a Hold rating and $49 price target. The firm's previous rating was a Buy. Deutsche Bank resumed coverage on 25 stocks in the payments, processors, and IT services industry with 9 Buys, 14 Holds, and 2 restricted ratings. Both industries have materially underperformed the S&P 500 Index year-to-date as investor expectations for 2025 increased around the November election, leading to an end of year run-up "that has since proven overly-optimistic," the analyst tells investors in a research note. The firm says that with trade uncertainty and consumer spending concerns, the outlook for the group "is as cloudy as it has been in the last five years."

Truist

Hold

maintain

$47 -> $50

2025-07-17

Reason

Truist

Price Target

$47 -> $50

2025-07-17

maintain

Hold

Reason

Truist raised the firm's price target on Bill to $50 from $47 and keeps a Hold rating on the shares as part of a broader research note previewing Q2 earnings in FinTech. The setup for the FinTech sector should be solid, and the group has underperformed of late with a 2% year-to-date gain vs. 6% for the S&P 500, the analyst tells investors in a research note. Stablecoins have been the hot topic for payments/FinTech investors over the past month, and Truist expects discussions around crypto/stablecoins to dominate some earnings calls as management teams will likely provide their view on how stablecoins could potentially impact the industry, the firm added.

Morgan Stanley

Chris Quintero

Overweight -> Equal Weight

downgrade

$60 -> $55

2025-06-10

Reason

Morgan Stanley

Chris Quintero

Price Target

$60 -> $55

2025-06-10

downgrade

Overweight -> Equal Weight

Reason

Morgan Stanley analyst Chris Quintero downgraded Bill to Equal Weight from Overweight with a price target of $55, down from $60. Many of the firm's prior bullish thesis assumptions, including small business spending improvement and take rate expansion, are not playing out, the analyst tells investors in a research note. The firm further cites an increasingly uncertain macro environment and believes that FY26 estimates are looking too high given the lack of positive catalysts.

Truist

Matthew Coad

Hold

initiated

$47

2025-06-02

Reason

Truist

Matthew Coad

Price Target

$47

2025-06-02

initiated

Hold

Reason

Truist analyst Matthew Coad initiated coverage of Bill with a Hold rating and $47 price target. There is a lot to like about the Bill story, as the B2B growth runway is long, but core revenue growth needs to re-accelerate to the mid-to-high teens while operating expense growth slows meaningfully for the current valuation to be considered attractive, the analyst tells investors in a research note. The firm views Bill as a potential takeover target, but sees better value elsewhere.

See All Ratings

Valuation Metrics

The current forward P/E ratio for BILL Holdings Inc (BILL.N) is 21.73, compared to its 5-year average forward P/E of -265.37. For a more detailed relative valuation and DCF analysis to assess BILL Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

-265.37

Current PE

21.73

Overvalued PE

360.73

Undervalued PE

-891.48

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

343.18

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

2641.06

Undervalued EV/EBITDA

-1954.70

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

18.98

Current PS

0.00

Overvalued PS

35.81

Undervalued PS

2.15