BILL · BILL Holdings, Inc.

Track BILL — free

$42.54 +0.62 (+1.48%) At close · Sep 30

S&P 400 member Russell 1000 member Rebalance outlook locked

Market Cap

$3.57B

85.28M

Volume · Sep 30 1.28M Avg daily vol (3M) 2.24M

Up next

Next earnings call

Nov 18, 2026 Est · unconfirmed · in 7 wks

Latest filing: 10-K

filed Aug 20, 2026

Q4 2026 earnings call transcript

call held Aug 19, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

View all 115 metrics

Revenue (TTM)

$1.65B

Trailing 12 months

Net income (TTM)

−$11.24M

Trailing 12 months

Revenue growth YoY

+13.8%

Year over year

Operating margin

-4.4%

Trailing 12 months

P / E (TTM)

—

Trailing earnings

FCF yield

11.5%

TTM · current market cap

Return on invested capital

—

Trailing 12 months

Net cash

−$805.07M

Latest balance sheet

Dividend yield

—

Trailing 12 months

Shares change YoY

+10.2%

Year over year · more shares

Price change (1Y)

-23.1%

Trailing year

Short interest

12.8%

Latest settlement · 6.4 days to cover

View all 115 metrics

AI Brief

Q4 FY26 earnings call · Aug 19, 2026

Q4 FY26

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.

Bullish

+ Q4 core revenue grew 16% YoY to $400.5M with non-GAAP operating margin expanding to 23%, up 860 bps YoY
+ Non-GAAP net income rose 53% YoY to $94M with EPS of $0.84
+ FY27 guidance calls for non-GAAP operating margin of 23–24%, ~590 bps expansion at the midpoint, and non-GAAP EPS growth of 33%
+ Company expects to be Rule of 40 exiting FY27 and achieve well over $125M of GAAP profits in FY27
+ AI-driven invoice financing delivered ~30% YoY growth in volume and revenue with expected loss rate improved over 50%

Bearish

− Q4 net new customer adds of ~1,800 were below recent trends due to reorganization and exit of salespeople
− Supplier Payments Plus (SPP) initial rollout did not meet expectations and required a new enterprise sales motion
− APAR take rate contracted 0.5 bps to 16.0% in Q4 due to mix shift toward large ACH volumes

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating

blended score · not investment advice

Overall

Sell

SellHoldBuy

Technical Sell Momentum Weak Sentiment Neutral Fundamentals Strong Quant / Vol Very High

Market backdrop VIX 16 · calm Equity put/call 0.38

Technical

price trend

Sell

50 / 200-day cross No cross

Price vs 200-day avg −4%

below

Price vs 50-day avg −11%

below

RSI (14) 32

neutral

MACD trend Negative

52-week position 41%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Weak

1-month return −15%

trailing

6-month return +10%

trailing

YTD return −23%

this year

Relative strength −3%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $47 › 200d $43 — 50d above 200d

Institutional flow Accumulating

+1% holders QoQ · +65 funds added

Insider flow Distributing

Net -$12.5M over 90 days · 100% sells

Short interest Falling

12.83% of float · ▼ -3.0% MoM · 6.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr low

347 holders — near 3-yr low, contrarian setup

Squeeze score 69

elevated · 0–100

Fundamentals

Strong

Revenue growth +13%

Y/Y

Gross margin 81%

contracting

EPS growth −57%

Y/Y

Free cash flow $412.5M

Buyback $1.0B

authorized

Balance sheet $805.1M

net debt

Quant / Vol

risk profile

Very High

Volatility 62%

annualized · 1-yr

Max drawdown −43%

past year

ATR 4.5%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Beat or met 8 of last 8

Latest guidance · from the Earnings Call filed Aug 19, 2026

Fiscal Q1 27

Total revenue Initiated $432.5M – $442.5M

prior qtr $406.56M midpoint +7.6% QoQ

Rewards expense Initiated $92.5M

Non-GAAP operating income $112.5M – $117.5M

fiscal year 2027

Total revenue Initiated $1.81B – $1.86B

prior FY $1.65B midpoint +10.8% Y/Y

fiscal 27

Rewards expense Initiated $401.5M

fiscal 2027

Non-GAAP operating income Initiated $421M – $451M

Non-GAAP net income Initiated $370.5M – $394.5M

Non-GAAP EPS Initiated $3.56 – $3.79

fiscal year 27

Stock-based compensation expenses Initiated $190M

Guided vs delivered · last 8 settled

Total revenue fiscal Q2

guided $130M – $131M

guided $130M – $131M $156.48M Beat +19.9%

Total revenue fiscal Q1

guided $103.2M – $104.2M

guided $103.2M – $104.2M $118.35M Beat +14.1%

Total revenue fiscal 2022

guided $476M – $480M

guided $476M – $480M $641.96M Beat +34.3%

Total revenue fiscal Q4

guided $60.9M – $61.9M

guided $60.9M – $61.9M $78.27M Beat +27.5%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell

2 · 5 · 0

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

−4% Neutral

Price vs 50-day avg

−11% Bearish

RSI (14)

32 Neutral

MACD trend

Negative Bearish

52-week position

41% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $47 › 200d $43 — 50d above 200d

Institutional flow Accumulating

+1% holders QoQ · +65 funds added

Insider flow Distributing

Net -$12.5M over 90 days · 100% sells

Short interest Falling

12.83% of float · ▼ -3.0% MoM · 6.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr low

347 holders — near 3-yr low, contrarian setup

Price context

position in its 52-week range

Range low $32 Now $42 · 41% Range high $56

vs 200-day avg -4% vs 50-day avg -11%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

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 reconciliation GAAP 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
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 reconciliation GAAP 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%

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 reconciliation GAAP 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
Non-GAAP operating income non-GAAP	$323.7M	FY2026	—
GAAP → non-GAAP reconciliation GAAP 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
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

Versus peers

Software - Application — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
BILL BILL Holdings, Inc. this stock	$3.57B	-23.1%	+13.0%	—	12.8%
QH QUHUO Ltd	$350.35B	+242.6%	+59.7%	—	0.0%
SAP Sap SE	$243.17B	-13.2%	—	—	0.4%
CRM Salesforce, Inc.	$191.79B	-14.9%	+25.9%	21.3	3.9%
SHOP Shopify Inc.	$183.03B	-7.9%	+30.1%	95.5	1.3%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

347

% held: 122.8%
Net QoQ: -7.1M sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

324

View

Short & Settlement

Short Interest Falling

Shares short

10.9M

Days to cover: 6.4d
Change: -342.8K sh

View

Short Volume

Short vol %

62%

As of: Sep 30, 2026

Short Total

View

Fails to Deliver

FTD shares

139.1K

Value: $6.7M
As of: Sep 10, 2026

View

Off-Exchange

Off-exchange %

40.3%

Week of: Aug 24, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$12.5M

Buyers / Sellers: 0 / 1

Buyers Sellers

View

Congressional Trades Sell

Member

Lisa McClain

Amount: $1.0K–$15.0K
Traded: Aug 13, 2025

View

Financials

Revenue (FY)

$1.7B

Net income (FY): $-11.2M
EPS diluted: $-0.11

View

Buybacks

Authorized

$1.0B

Remaining: $0

Spent Remaining

View

Filings

SEC Filings

Latest

10-K

Filed: Aug 20, 2026
This year: 10

View

Proposed Sales

Value

$946.9K

Shares: 19.9K
Filed: Sep 9, 2026

View

Exempt Offerings

Offering

$1.7B

Filed: Jun 15, 2021

View

Earnings & Events

Earnings Calls

Last call

Aug 19, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
BILL	-9.8%	-14.9%	+10.1%	-14.9%	-23.1%
SPY	-1.2%	-0.4%	+13.1%	-0.4%	+12.1%
vs SPY	-8.6%	-14.5%	-3.0%	-14.5%	-35.2%

Capital returns

Buyback program · as of Jun 30, 2026

Authorized

$1.00B

Spent (derived)

$1.00B

Remaining

Spent Remaining

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.

Key facts CIK 1786352 CUSIP 090043100 13F (30d) 11 filings 7 filers Visit website Investor relations

BILL · BILL Holdings, Inc.

Price & Indicators

Up next

Metrics snapshot

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns