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Bill said headcount fell 35 to 40 percent, a majority of code is now written with AI, and Q1 margin improved about 1,700 basis points; the longer-term core revenue growth guide is mid-teens.
BILL reported revenue of $353.8 million for the three months ended September 30, 2026, versus $314.5 million, and net income of $60.3 million compared with a $3.0 million loss.
BILL Holdings, Inc. reported first-quarter core revenue of $316.4 million, up 14.3% year-over-year, total revenue of $353.8 million, GAAP operating income of $51.2 million and GAAP net income of $60.3 million for the quarter ended September 30, 2026.
BILL Holdings, Inc. reported that fiscal 2026 launched BILL AI, embed partnerships with Paychex, Oracle NetSuite, and Acumatica, and BILL Travel; by June 30, 2026, approximately 479,300 businesses used its solutions and processed approximately $371.3 billion in TPV.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. BILL delivered Q4 FY26 core revenue of $400.5M, up 16% YoY, with non-GAAP operating margin expanding 860 bps YoY to 23%, while guiding FY27 core revenue growth of 11–14% and non-GAAP operating margin of 23–24% as it pivots toward GAAP profitability and an AI-native platform.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Businesses using our solutions | 479,300 | fiscal 2026 filing | — |
| Card payment volume transacted by spending businesses that used BILL Divvy Cards | 26.4B | fiscal 2026 filing | — |
| Free cash flow non-GAAP | 354.68M | Year ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net cash provided by operating activities 415.83M
-3.33M Purchases of property and equipment
-57.82M Capitalization of internal-use software costs
= Free cash flow 354.68M
|
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| Gross margin | 80.9% | Year ended June 30, 2026 filing | — |
| Net dollar-based retention rate | 95% | fiscal 2026 filing | — |
| Network members | 9.2M | fiscal 2026 filing | — |
| Non-GAAP gross profit non-GAAP | 1.4B | Year ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Gross profit 1.34B
+49.49M Depreciation and amortization
+8.83M Stock-based compensation and related payroll taxes charged to cost of revenue
= Non-GAAP gross profit 1.4B
|
|||
| Total Payment Volume (TPV) | 371.3B | fiscal 2026 filing | +12.6% |
|
|
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| TPV by BILL AP/AR customers | 310.5B | fiscal 2026 filing | — |
| TPV transacted by Embedded Solutions and Other customers | 34.4B | fiscal 2026 filing | — |
| Transactions executed by Embedded Solutions and Other customers | 9.1M | fiscal 2026 filing | — |
| Transactions executed by spending businesses that used BILL Divvy Cards | 79.9M | fiscal 2026 filing | — |
| Transactions processed | 139.4M | Year ended June 30, 2026 filing | — |
| BILL AP/AR customers | 183,300 | As of June 30, 2026 | — |
| BILL Spend and Expense spending businesses | 46,500 | As of June 30, 2026 | — |
| Embedded Solutions and Other customers | 249,500 | As of June 30, 2026 | — |
| Integrated Platform | 229,800 | As of June 30, 2026 | — |
| Non-GAAP gross margin non-GAAP | 84.5% | FY2026 | — |
| Non-GAAP net income non-GAAP | $314.8M | FY2026 | — |
GAAP → non-GAAP reconciliationGAAP Non-GAAP net income before non-GAAP tax adjustments 393.47M
-78.7M Non-GAAP provision for income taxes
= Non-GAAP net income 314.78M
|
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| Non-GAAP operating income non-GAAP | $323.7M | FY2026 | — |
GAAP → non-GAAP reconciliationGAAP GAAP operating loss -73.45M
+82.66M Depreciation and amortization
+217.26M Stock-based compensation and related payroll taxes charged to cost of revenue and operating expenses
+0K Acquisition and integration-related expenses
+90.9M Restructuring
+6.37M Professional advisory fees related to shareholders' activism
= Non-GAAP operating income 323.72M
|
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| Rewards expense as a percentage of revenue from BILL Spend and Expense interchange fees | 51% | Q4 FY2026 | — |
| Total Transactions | 37.4M | Q4 FY2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BILL
this stock
BILL Holdings, Inc.
|
$4.68B | -0.1% | +13.0% | — | 12.6% |
|
SAP
Sap SE
|
$271.12B | -3.3% | — | — | 0.2% |
|
QH
QUHUO Ltd
|
$268.05B | +181.9% | +59.7% | — | 0.0% |
|
SHOP
Shopify Inc.
|
$189.23B | -8.6% | +30.1% | 89.2 | 1.5% |
|
CRM
Salesforce, Inc.
|
$179.28B | -17.8% | +25.9% | 19.9 | 3.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Bill said headcount fell 35 to 40 percent, a majority of code is now written with AI, and Q1 margin improved about 1,700 basis points; the longer-term core revenue growth guide is mid-teens.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BILL | +4.0% | +19.5% | +56.1% | +12.8% | -0.1% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | +1.4% | +20.6% | +55.6% | +13.0% | -10.7% |
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
