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BILL · NYSE · Software - Application

BILL

Combining payables, receivables, and spend-and-expense workflows for small and midsize businesses.

$50.25

After-hours close−0.06 (−0.12%)

At close$50.31(+2.95%)

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Profile

Bill.com Holdings, Inc.BILLInformation Technology

Provides small and midsize businesses with integrated workflows for payables, receivables, and spend and expense. It is distributed through financial institutions, accounting firms, and software providers, with a proprietary member network connecting businesses that pay or get paid.

Automates financial operations for small and midsize businesses across payables, receivables, and spend and expense. It combines workflow software with a proprietary member network used by hundreds of thousands of businesses.

Distribution includes financial institutions, accounting firms, and software providers. Divvy added spend management, while Invoice2go added mobile-first accounts receivable and Finmark added financial planning and cash-flow insights; spend-and-expense products were later brought under the BILL name.

The platform addresses manual financial processes alongside enterprise, SMB, and point-solution competitors. Its operating model depends on product breadth, business adoption, and the continued utility of its member network.

Company facts

CEORené Lacerte

ListedDec 12, 2019

ExchangeNYSE

HeadquartersSan Jose, CA

CountryUnited States

Employees2,364

CIK0001786352

ISINUS0900431000

Key statistics

Market cap$5.01B

EPS (ttm)−$0.1148

P/E (ttm)−438.24

ROE-0.3%

P/B1.42

P/S3.03

Dividend yield—

Beta1.51vs XLK −0.18

Year to date −0.5% · Average volume (30d) 2.4M

Analysts

Price target, next 12 months$56.00+11.3%Median of 32 analysts · vs the Aug 28 close

ConsensusBuy18 of 32 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $50.31

High$60.00+19.3%

Median$56.00+11.3%

Low$44.00−12.5%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Rating	Prior target	Target
Aug 25, 2026	Wolfe Research	Reiterate	Outperform	$195	$60
Aug 20, 2026	BMO Capital	Reiterate	Market Perform	$46	$55
Aug 20, 2026	UBS	Reiterate	Buy		$60
Aug 20, 2026	Morgan Stanley	Reiterate	Equal Weight	$55	$60
Aug 20, 2026	Goldman Sachs	Reiterate	Buy	$50	$57

Earnings

EPS

Estimate$0.92

ReportedDue Nov 5, 2026

Revenue

Estimate$439.6M

ReportedDue Nov 5, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 19, 2026Q4 FY26	$0.71	$0.84	+18.6%	$430.5M	$436.2M	+1.3%	−0.65%
May 7, 2026Q3 FY26	$0.55	$0.68	+23.6%	$403.8M	$406.6M	+0.7%	+11.07%
Feb 5, 2026Q2 FY26	$0.56	$0.64	+14.3%	$399.8M	$414.7M	+3.7%	+37.16%
Nov 6, 2025Q1 FY26	$0.51	$0.61	+19.1%	$391.8M	$395.7M	+1.0%	+2.75%

View details

Financial highlights

	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26
Revenue	$358.2M	$383.3M	$395.7M	$414.7M	$406.6M	$436.2M
Gross profit	$291.0M	$309.8M	$318.7M	$331.1M	$331.9M	$323.0M
Operating income	−$28.9M	−$22.2M	−$20.7M	−$18.1M	$4.6M	$51.6M
Net income	−$11.6M	−$7.1M	−$3.0M	−$2.6M	$12.8M	−$18.5M
Diluted EPS	−$0.11	−$0.07	−$0.03	−$0.03	$0.12	−$0.18
Gross margin	81.2%	80.8%	80.5%	79.8%	81.6%	74.1%
Operating margin	-8.1%	-5.8%	-5.2%	-4.4%	1.1%	11.8%

Fiscal years (4-quarter sums)FY22 $642.0M · FY23 $1.06B · FY24 $1.29B · FY25 $1.46B · FY26 $1.65B

Revenue by product · Q4 FY26

Subscription And Transaction Fees$400.5M · 92%

Interest On Funds Held For Customers$35.7M · 8%

Balance sheet, Jun 30, 2026Cash & short-term investments $1.94B · Total debt $1.90B · Total assets $10.22B · Shareholders' equity $3.53B

Dividends

No dividends on record.

Ownership

Institutions 102.67%Insiders 8.05%

A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.

Shares outstanding 99.60M · Float 88.85M · 89.2% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
BlackRock, Inc.	8.74M	8.77%	13F	Aug 7, 2026
Feld Peter A	8.64M	10.10%	13D	Aug 24, 2026
Er Collective Holdings, LLC	8.52M	8.55%	13F	Aug 14, 2026
Starboard Value LP	7.03M	7.05%	13F	Aug 14, 2026
Vanguard Portfolio Management LLC	5.69M	5.71%	13F	Aug 13, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
May 29, 2026	Michael Cieri	officer: Chief Product Officer	−32,875	$36.64
Dec 2, 2025	Germaine Cota	officer: SVP, FINANCE & ACCOUNTING	−1,104	$51.23
Sep 2, 2025	Rajesh A. Aji	officer: CLO & CCO	−3,971	$45.22
Sep 2, 2025	Germaine Cota	officer: SVP, FINANCE & ACCOUNTING	−1,721	$45.22