Stock Price & Analysis

Based on the recent data and market analysis, here is a direct assessment of BILL stock:

Technical Analysis

The stock has experienced a significant decline, dropping over 30% following its Q2 earnings report. Currently trading at $60.92, BILL is showing bearish momentum with key technical indicators suggesting continued downward pressure.

Earnings Impact & Fundamental Analysis

• Q2 Revenue: $362.55M (beat estimates of $360.23M)
• Adjusted EPS: $0.56 (beat estimates of $0.46)
• Q3 Guidance: $352.5M-$357.5M (below estimates of $360.36M)

Despite beating Q2 estimates, the stock plummeted due to:

• Unexpected decline in AR/AP take rates from FX headwinds
• Unfavorable seasonal payment mix shift
• Weaker management visibility into take rate trends

Analyst Perspectives

Recent analyst actions following Q2 results:

• KeyBanc: Cut PT from $115 to $85, maintains Overweight
• Wells Fargo: Lowered PT from $65 to $57, Underweight
• Needham: Maintains Buy rating, $100 PT
• Canaccord Genuity: Maintains Buy rating, $105 PT

Trading Strategy

Given the current technical setup and recent price action, selling BILL stock appears to be the prudent move for these reasons:

1. Broken technical support levels with increased selling volume
2. Guidance concerns impacting near-term growth outlook
3. Take rate challenges likely to persist for 2-3 quarters
4. Current price showing no signs of stabilization

The next major support level sits at $56.39 based on Fibonacci analysis, suggesting further downside potential.

Based on the recent earnings report and analyst updates, here's the 2025 price prediction for BILL stock:

BILL stock is expected to reach $75-80 by end of 2025, representing about 25-30% upside from current levels. The prediction is supported by:

1. Multiple analysts have revised price targets downward after Q2 2025 earnings - KeyBanc lowered to $85, Wells Fargo to $57, and KBW to $77, suggesting mixed sentiment but still seeing upside potential.

2. The company raised FY2025 guidance with revenue of $1.45-1.47B and adjusted EPS of $1.87-1.97, demonstrating continued growth trajectory despite near-term headwinds.

3. Take rate pressure from FX impacts and payment mix shifts are expected to normalize within 2-3 quarters, setting up for improved performance in late 2025.

The S1 support level for BILL Stock is $65.82 ,The R1 resistant level for BILL Stock is $96.33.

As of the end of day on 2025-02-13, the price of BILL Stock was $60.87.

The target price for BILL Stock according to analyst rating is 90.72, with the highest price target at 120.00 and the lowest at 57.00. Analysts have a Moderate Buy rating on BILL Stock overall.

The market cap of BILL is $6.2B.

Based on the provided data and recent market activity, BILL appears significantly overvalued for several key reasons:

Financial Performance Analysis The company shows concerning financial metrics with persistent net losses and slowing revenue growth. Q2 2024 revenue grew only 18% YoY to $318.5M compared to much higher growth rates in previous quarters. Net losses continue with -$40.4M in Q2 2024, though improving from -$95.1M year ago.

Valuation Concerns Despite deteriorating fundamentals, BILL trades at extremely high multiples compared to peers in the BVP Cloud Index. The stock's valuation appears disconnected from its financial reality, especially given:

• Decelerating revenue growth
• Negative free cash flow
• Intensifying competition from Stripe, Square and new entrants

Competitive Position The company faces significant challenges:

• Product experience issues affecting customer satisfaction
• Strong competition from both established players and fintech innovators
• Limited competitive moat in core AP/AR functionality

Recent Performance The stock has declined significantly from its highs, with analysts like Evercore ISI maintaining Hold ratings and lowering price targets to $65, suggesting the market is beginning to recognize the valuation disconnect.

Conclusion At current levels around $61, BILL remains overvalued given its slowing growth, ongoing losses, and competitive challenges. A more reasonable valuation would be closer to peers with similar growth and profitability profiles.

BILL Holdings, Inc. is a provider of software-as-a-service, cloud-based payments, and spending and expense management products. It enables users to automate accounts payable and accounts receivable transactions, enable businesses to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve back-office efficiency. It offers financial automation software for small and midsize businesses (SMBs). Through its automated solutions, it helps SMBs simplify and control their finances. It is a partner of the United States financial institutions, accounting firms, and accounting software providers. Its artificial-intelligence (AI)-enabled financial software platform creates 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, and manage their cash.

Based on the available data and recent market developments, here's a price prediction for BILL Holdings Inc (BILL) for 2030:

BILL stock is projected to reach $125-135 by 2030, driven by the company's strong position in financial operations software for SMBs and current market penetration of 480,000 businesses. The recent Q2 2025 performance showing 14% revenue growth and improving profitability metrics suggests sustained growth potential. However, current FX headwinds and take rate challenges may create near-term volatility.

The conservative estimate factors in recent analyst concerns about slowing growth rates and competitive pressures in the SMB payment processing space.

BILL has a total of 2521 employees.