Bill.com Holdings, Inc. (BILL) Stock: Price, Forecast & Analyst Target
Bill.com Holdings, Inc. (BILL) — MoonshotScore 29/100 (Weak band), calculated Oct 5, 2026. Price $43.62 (-0.37%), as of the Oct 2, 2026 trading session; market cap $4.34B. Expected results Nov 5, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 2.24× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Nov 5, 2026
Bill.com Holdings, Inc. · BILL · NYSE · Technology · Software - Application
Research dated 2026-09-13: Bill.com offers a cloud-based platform automating accounts payable and accounts receivable for small and medium-sized businesses, providing spend management, payment solutions, and operational efficiency tools. The company operates a SaaS model where revenue scales with customer adoption and feature utilization rather than incremental software licenses. The central question is whether Bill.com can expand beyond its core accounting automation base into broader financial operating systems for SMBs, or whether growth will decelerate as market penetration increases in its established categories.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Bill.com Holdings (BILL)
WeakWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Durable growth, at a cheap price, but a fragile balance sheet. Business Quality: Average; Financial Safety: Fragile; Valuation: Fair; Growth Durability: Growing; Momentum: Rising.
- quarterly revenue $436M (Q4 FY2026, quarter ended Jun 2026)
- EPS beat 8 of 8
- Altman Z 0.56 · Piotroski F 5
Holding back: balance-sheet strain
Helping: an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 29 | Weak | |
| 29 | Weak | |
| 29 | Weak | |
| 29 | Weak | |
| 28 | Weak | |
| 28 | Weak |
The score was 29 in the stored Oct 4, 2026 snapshot and remains 29 in the current publication computed Oct 5, 2026 (0). This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value |
|---|---|
| Latest provided price | $43.62 |
| Change on the day | -0.37% |
| 52-week range | $31.41–$57.21 |
| Market capitalisation | $4.34B |
| Shares traded on the day | 1.19M |
| Beta (volatility vs the S&P 500) | 1.1 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
For fiscal Q1 27, on a historical presentation of revenue basis, we expect total revenue to be in the range of $432.5 million to $442.5 million and core revenue to be in the range of $398 million to $408 million reflecting 11% to 14% year over year growth.
Rohini Jain · Statement from
For fiscal Q1 27, we expect the rewards expense to be $92.5 million implying a core revenue net of rewards growth rate of 10% to 14%.
Rohini Jain · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsCouncil Score · weighted blend of 2 available disciplines
Council score for Bill.com Holdings (BILL): Split View
48/100 · CSome lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
2 lenses, 2 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 5, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
One of these lenses reads this company more favourably than the MoonshotScore does: Klarman-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the BILL film — every key number, told as a short cinematic story
~2 min · open the film
What is Bill.com Holdings (BILL), and what does it report?
Short answer · as of
Bill.com generates subscription revenue from customers automating financial workflows; payments processing fees and implementation services provide additional revenue streams layered on top of the core platform subscription.
Research dated 2026-09-13.
Bill.com generates subscription revenue from customers automating financial workflows; payments processing fees and implementation services provide additional revenue streams layered on top of the core platform subscription. The business model benefits from high gross margins on software subscription and expansion potential as customers increase utilization and adopt additional products. Financial results measure subscription revenue growth, customer additions, and the net retention rate indicating whether existing customers increase spending.
What do the latest results show for Bill.com Holdings (BILL)?
Short answer · as of
The most recent reported quarter, Q4 FY2026, carried revenue of $436M.
Research dated 2026-09-13.
Recent quarters show revenue acceleration as subscription growth has outpaced expansion in payment processing revenues. Net retention metrics remain strong, indicating existing customers are adopting additional features and increasing platform engagement. The company has been profitable on an operating basis in recent periods; profitability improvements reflect both revenue scale and disciplined cost management as the company matured from growth-stage spending.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $436.19M Jun 30, 2026
- Latest quarter · R&D
- $63.09M Jun 30, 2026
- Latest quarter · SG&A
- $229.04M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $51.60M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $436.19M | $63.09M | $229.04M | $51.60M |
| Mar 31, 2026 | $406.56M | $74.39M | $225.51M | $4.64M |
| Dec 31, 2025 | $414.67M | $82.81M | $234.94M | −$18.08M |
| Sep 30, 2025 | $395.74M | $80.29M | $226.13M | −$20.72M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $436.19M Aug 19, 2026
- Latest report · revenue estimate
- $430.55M Aug 19, 2026
- Latest report · revenue vs estimate
- Above estimate Aug 19, 2026
- Latest report · EPS vs estimate
- Above estimate Aug 19, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 19, 2026 | $436.19M | $430.55M | $0.8400 | $0.7080 |
| May 7, 2026 | $406.56M | $403.76M | $0.6800 | $0.5500 |
| Feb 5, 2026 | $414.67M | $399.78M | $0.6400 | $0.5600 |
| Nov 6, 2025 | $395.74M | $391.81M | $0.6100 | $0.5120 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q4 FY2026 | $436M | -$18M | -$0.18 (diluted) |
| Q3 FY2026 | $407M | $13M | $0.12 (diluted) |
| Q2 FY2026 | $415M | -$3M | -$0.03 (diluted) |
| Q1 FY2026 | $396M | -$3M | -$0.03 (diluted) |
What are the financial strengths and risks for Bill.com Holdings (BILL)?
Short answer
Cash and short-term investments were $1.94B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $120.94M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
The balance sheet reflects a mature SaaS company with profitability, positive operating cash flow, and modest debt levels. Financial strength allows for investment in product development and strategic acquisition; the company deployed capital for acquisitions to expand product scope. The primary financial risk is growth moderation if market penetration plateaus in the SMB segment, potentially requiring geographic or product expansion to sustain growth rates.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $120.94M Jun 30, 2026
- Previous quarter · operating cash flow
- $102.67M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $120.94M | $43.39M |
| Mar 31, 2026 | $102.67M | $25.82M |
| Dec 31, 2025 | $105.32M | −$1.49M |
| Sep 30, 2025 | $96.86M | −$14.59M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Bill.com Holdings (BILL)?
Short answer · as of
The next earnings report is expected on Nov 5, 2026.
Research dated 2026-09-13.
Monitor quarterly customer metrics closely: net additions, net retention, and average revenue per user. These metrics predict revenue trajectory before formal earnings reports. Watch management commentary on product launches and expansion into adjacent financial workflows; product diversification indicates growth strategy beyond core accounts payable automation. Pay attention to gross margin trends and operating leverage; profitability expansion would signal pricing power and operational efficiency.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
For fiscal Q1 27, on a historical presentation of revenue basis, we expect total revenue to be in the range of $432.5 million to $442.5 million and core revenue to be in the range of $398 million to $408 million reflecting 11% to 14% year over year growth.
Rohini Jain ·
For fiscal Q1 27, we expect the rewards expense to be $92.5 million implying a core revenue net of rewards growth rate of 10% to 14%.
Rohini Jain ·
Turning to full year guidance for fiscal year 2027 on a historical revenue presentation basis, we expect total revenue in the range of $1.807 billion to $1.857 billion reflecting 9% to 12% year over year growth.
Rohini Jain ·
We expect core revenue in the range of $1.669 billion to $1.719 billion reflecting 11% to 14% year over year growth. 1 modeling point to flag is that Q2 FY 27 faces our highest prior year comparison.
Rohini Jain ·
How does Bill.com Holdings compare with its peers?
Short answer
Bill.com Holdings's score ranks 4th of 5 in the bounded comparison shown, against 4 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Against peer SaaS companies addressing SMB financial operations, Bill.com's differentiation is its integrated platform for both payables and receivables with integrated payments. Competitors often focus on narrower workflows; Bill.com's breadth positions it as a financial operating system for SMBs. Compared with enterprise-focused financial software, Bill.com's strength is its simplicity and SMB focus; its weakness versus enterprise peers is total addressable market size and customer spending.
| Company | Price | Market value | Score |
|---|---|---|---|
| $173.00 Oct 5, 2026 | $5.90B | 51 5-pillar Oct 5, 2026 | |
| $7.34 Oct 2, 2026 | $3.90B | 48 5-pillar Oct 5, 2026 | |
| $95.50 Oct 2, 2026 | $11.6B | 35 5-pillar Oct 5, 2026 | |
| Bill.com Holdings (BILL) — this page | $43.62 | $4.34B | 29 |
| $12.74 Oct 2, 2026 | $3.27B | 10 5-pillar Oct 5, 2026 | |
| $24.56 Sep 7, 2026 | $7.30B | — Model unavailable | |
| $41.14 Date unavailable | $4.14B | — Model unavailable | |
| $346.57 Date unavailable | $4.66B | — Model unavailable | |
| $12.78 Date unavailable | $3.53B | — Model unavailable | |
| $56.38 Date unavailable | $3.52B | — Model unavailable | |
| $22.22 Date unavailable | $5.39B | — Model unavailable | |
| $33.93 Date unavailable | $5.58B | — Model unavailable | |
| $11.95 Date unavailable | $5.62B | — Model unavailable |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $52.00 – $60.00
- Consensus target
- $56.56
- Median target
- $56.00
Consensus record · Captured .
Measured against a quoted price of $43.62 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026
- Transactions
- 47
- Identified insiders
- 3
- Purchases
- 0
- Sales
- 13
- Other transactions
- 34
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 99.0% Period end Jun 30, 2026
- Reporting holders
- 375 Period end Jun 30, 2026
- Previous quarter · holders
- 386 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 8,735,197 |
| Er Collective Holdings, LLC | 8,518,300 |
| Starboard Value LP | 7,025,748 |
| Vanguard Portfolio Management LLC | 5,688,580 |
| Ameriprise Financial INC | 5,558,053 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Bill.com Holdings (BILL)?
What Investors Ask About Bill.com Holdings (BILL) — Technology
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
What is Bill.com's core value proposition for customers?
Bill.com eliminates manual accounting workflows by automating accounts payable, accounts receivable, and expense management through a cloud platform. Customers reduce processing time, improve accuracy, and gain cash flow visibility—benefits that justify subscription fees and drive adoption across accounting departments and broader finance operations.
How does Bill.com make money beyond subscription fees?
Subscription revenue is the primary source; the company also captures payment processing fees when customers use its payment rails, and generates revenue from implementation and consulting services. This revenue mix creates layered monetization where adoption and usage growth drive incremental margin expansion.
Why is net retention important for Bill.com's stock?
Net retention measures whether existing customers increase spending through adopting additional features and products; rates above baseline indicate product stickiness and pricing power. High net retention supports revenue predictability and allows the company to reach profitability without requiring constant acquisition of new customers, improving cash generation efficiency.
What is the addressable market for Bill.com's platform?
The company's market is small and medium-sized businesses that handle accounts payable, receivable, and expense management manually or through outdated systems. The TAM is large globally, though penetration in the SMB segment is still developing in many geographies. Expansion into adjacent workflows and geographic markets remains available for market share gains.
What is the BILL stock price today?
The last price recorded on this page for Bill.com Holdings, Inc. (BILL) is $43.62, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the BILL price target?
The analyst consensus price target for Bill.com Holdings, Inc. (BILL) is $56.56 (range $52.00 to $60.00, median $56.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (81 figures)
The 81 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Rohini Jain (Aug 19, 2026): For fiscal Q1 27, on a historical presentation of revenue basis, we expect total revenue to be in the range of $432.5 million to $442.5 million and core revenue to be in the range of $398 million to $408 million reflecting 11% to 14% year over year growth. Rohini Jain (Aug 19, 2026): For fiscal Q1 27, we expect the rewards expense to be $92.5 million implying a core revenue net of rewards growth rate of 10% to 14%. Rohini Jain (Aug 19, 2026): Turning to full year guidance for fiscal year 2027 on a historical revenue presentation basis, we expect total revenue in the range of $1.807 billion to $1.857 billion reflecting 9% to 12% year over year growth. Rohini Jain (Aug 19, 2026): We expect core revenue in the range of $1.669 billion to $1.719 billion reflecting 11% to 14% year over year growth. 1 modeling point to flag is that Q2 FY 27 faces our highest prior year comparison. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | 6220 America Center DR., Suite 100, SAN Jose, CA, 95002 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "6220 America Center Drive, San Jose, CA, 95002, US". |
FMP — 72 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Nov 5, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $43.62 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T19:24:37.537Z. | |
px.change | Change on the day | -0.37% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $4.34B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:03.000Z. Captured from FMP at 2026-10-04T19:24:36.035Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$0.16 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q4 FY2026 | $436M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $31.41–$57.21 | FMP | Financial Modeling Prep (FMP) quote | |
px.volume | Shares traded on the day | 1.19M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.1 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Rene A. Lacerte | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 1,683 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2022 through FY2026: FY2022 revenue $641.96M, net result −$326.36M; FY2023 revenue $1.06B, net result −$223.72M; FY2024 revenue $1.29B, net result −$28.88M; FY2025 revenue $1.46B, net result $23.80M; FY2026 revenue $1.65B, net result −$11.24M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Subscription And Transaction Fees $1.50B · Interest On Funds Held For Customers $148.41M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 80.9% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $436.19M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.rd_k | R&D — period end 2026-06-30 | $63.09M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $229.04M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $51.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $406.56M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.rd_k | R&D — period end 2026-03-31 | $74.39M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $225.51M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $4.64M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $414.67M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.rd_k | R&D — period end 2025-12-31 | $82.81M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $234.94M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | −$18.08M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $395.74M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.rd_k | R&D — period end 2025-09-30 | $80.29M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $226.13M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | −$20.72M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-19.revenue_actual | Revenue · reported — report date 2026-08-19 | $436.19M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-19.revenue_estimated | Revenue · estimate — report date 2026-08-19 | $430.55M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-19.eps_actual | EPS · reported — report date 2026-08-19 | $0.8400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-19.eps_estimated | EPS · estimate — report date 2026-08-19 | $0.7080 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.revenue_actual | Revenue · reported — report date 2026-05-07 | $406.56M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.revenue_estimated | Revenue · estimate — report date 2026-05-07 | $403.76M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.eps_actual | EPS · reported — report date 2026-05-07 | $0.6800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.eps_estimated | EPS · estimate — report date 2026-05-07 | $0.5500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_actual | Revenue · reported — report date 2026-02-05 | $414.67M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_estimated | Revenue · estimate — report date 2026-02-05 | $399.78M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_actual | EPS · reported — report date 2026-02-05 | $0.6400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_estimated | EPS · estimate — report date 2026-02-05 | $0.5600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_actual | Revenue · reported — report date 2025-11-06 | $395.74M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_estimated | Revenue · estimate — report date 2025-11-06 | $391.81M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_actual | EPS · reported — report date 2025-11-06 | $0.6100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_estimated | EPS · estimate — report date 2025-11-06 | $0.5120 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q4 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $1.94B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $120.94M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $0.00 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $1.90B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.23× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $120.94M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $102.67M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | $43.39M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | $25.82M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $105.32M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$1.49M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $96.86M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$14.59M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $52.00 – $60.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $56.56 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $56.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 47 transactions · 0 purchases, 13 sales, 34 other transactions · 3 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 99.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 375 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 386 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 8,735,197 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Er Collective Holdings, LLC — shares in provider snapshot | 8,518,300 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Starboard Value LP — shares in provider snapshot | 7,025,748 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 5,688,580 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Ameriprise Financial INC — shares in provider snapshot | 5,558,053 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-21 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.56 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 2.24× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $1.94B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
earn.history.depth.2026-08-19.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($436.19M) with the recorded estimate ($430.55M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-19.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.8400) with the recorded estimate ($0.7080) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 29 of 100 · Weak · pillars 58 / 19 / 77 / 69 / 65 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 29 (stored snapshot Oct 4, 2026) → 29 (current publication computed Oct 5, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.rd_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.rd_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.rd_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.rd_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-08-19. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-19.revenue_actual,earn.history.depth.2026-08-19.revenue_estimated,earn.history.depth.2026-08-19.revenue_actual.comparison,earn.history.depth.2026-08-19.eps_actual.comparison,earn.history.depth.2026-08-19.eps_actual,earn.history.depth.2026-08-19.eps_estimated,earn.history.depth.2026-05-07.revenue_actual,earn.history.depth.2026-05-07.revenue_estimated,earn.history.depth.2026-05-07.eps_actual,earn.history.depth.2026-05-07.eps_estimated,earn.history.depth.2026-02-05.revenue_actual,earn.history.depth.2026-02-05.revenue_estimated,earn.history.depth.2026-02-05.eps_actual,earn.history.depth.2026-02-05.eps_estimated,earn.history.depth.2025-11-06.revenue_actual,earn.history.depth.2025-11-06.revenue_estimated,earn.history.depth.2025-11-06.eps_actual,earn.history.depth.2025-11-06.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Bill.com Holdings, Inc. offers a powerful cloud-based platform designed to streamline, digitize, and automate the core financial operations for small and medium-sized businesses worldwide. Through its software-as-a-service (SaaS) model, the company provides sophisticated cloud payment solutions and spend management tools. These offerings empower businesses to fully automate both accounts payable and accounts receivable processes, foster seamless connections with their suppliers and clients, abolish traditional expense reports, optimize cash flow, and significantly enhance overall office efficiency. Beyond its core products, Bill.com also furnishes comprehensive support services, covering initial implementation assistance, ongoing technical help, and educational training. Its diverse client base encompasses accounting firms, financial service organizations, and various software enterprises. Established in 2006, Bill.com Holdings, Inc. maintains its corporate headquarters in San Jose, California. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Technology / Software - Application The company's SEC filings classify it under SIC 7372 — Services-Prepackaged Software. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Trailing twelve-month ratio set | Quick ratio: 1.51; Current ratio: 1.51; Debt to equity: 0.54; Net margin: -0.7%; Gross margin: 80.9%; Operating margin: 1.1%; Return on assets: -0.1%; Return on equity: -0.3% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $1.94B; Cash and short-term investments: $1.94B; Long-term investments: $0; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash against market value | As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: $40.00M; Total debt: $1.90B; Cash and investments: $1.94B Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them. | 2026-06-30 | COMPUTED | Computed from the balance sheet and the latest market capitalization |
| Next earnings report | Date: 2026-11-05; EPS estimate: $0.979 per share; Revenue estimate: $438.70M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Recent SEC filings |
| 2026-08-20 | OFFICIAL | SEC EDGAR filer submissions |
| Analyst actions, most recent per firm | Captured record · 10 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2026-09-01 | FMP | Financial Modeling Prep (FMP) analyst grades |
| Institutional ownership (13F) | Holders: 375; Quarter: 2026-06-30; Ownership: 99%; Holders previous quarter: 386 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
| Largest 5 institutional holders | Captured record · 5 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings |
Data provided for informational purposes only.