Bill.com Holdings, Inc. (BILL) - Stock Analysis

Last updated: Sep 5, 2026

Research Idea

Research content for general circulation. Not individualized advice. Methodology & Disclosures

Strong rebound with shareholder-return support: stock rose about 25% over 21 trading days, analysts cited 36%-42% implied upside, and recent earnings showed raised full-year guidance, GAAP profitability, near-20% non-GAAP operating margin, and a $1B buyback authorization.

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Idea window: 7/2/2026 – 7/9/2026Sector: Technology

AI Analyst Overview

Last Price
$49.16
Market Cap
$4.90B
1D Return
-3.34%
YTD Return
-9.86%

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Valuation Metrics

P/E
-428.2
P/B
1.4
P/S
3.0
EV/EBITDA
53.6
Div Yield
—

Fundamental Analysis

5.0

Key Financial Insights: • Strong Free Cash Flow • Persistent Operating Losses • Elevated Debt Burden BILL delivers strong margins and free cash flow, but persistent losses, high leverage, and expensive EBITDA valuation warrant caution.

CashFlow
Leverage

Price Behavior

5.0

Key Price Behavior Insights: • Modest uptrend • Resistance rejection • Range-bound risk Support Level: $47.40–$47.70 Resistance Level: $50.86–$51.31 BILL is cautiously constructive above $47.40–$47.70 but remains range-bound unless it breaks $51.31, following selling pressure near resistance last month.

Bullish
RangeBound

Sentiment & News

6.0

Key News Insights: • Earnings Beat • AI Payments Growth • Slower Revenue BILL beat Q4 and FY2026 expectations on stronger profitability and AI-driven payments growth, though slower revenue growth and a “Hold” consensus temper the outlook.

EarningsBeat
GrowthConcerns
AI

AI Summary

6.0
Neutral

BILL is now an efficiency-and-cash-flow rerating story: its strong free cash flow, restructuring savings, and cross-sell momentum can support upside despite mid-teens growth, but investors should wait for evidence that cost cuts translate into durable GAAP-margin expansion without harming AP/AR growth or execution.

CashFlow
ExecutionRisk
AIOptionality
AI summary updated 1 days ago

Description

Bill.com provides cloud-based SaaS that digitizes and automates back-office financial processes for small and midsize businesses worldwide, including payments, accounts payable/receivable, spend control and cash-flow management. The company also delivers implementation, support and training services and serves accounting firms, financial institutions and software partners; it was founded in 2006 and is headquartered in San Jose, California.

Idea History

DateCloseTickerCompanySummaryStatusP/L
Jul 2Jul 9BILLBill.com Holdings, Inc.
Strong rebound with shareholder-return support: stock rose about 25% over 21 trading days, analysts cited 36%-42% implied upside, and recent earnings showed raised full-year guidance, GAAP profitability, near-20% non-GAAP operating margin, and a $1B buyback authorization.
Closed+0.1%
Research content for educational purposes only. Not investment advice. All decisions are your responsibility.