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BILL Holdings, Inc.

BILL

BILL Holdings, Inc. provides an intelligent, AI-powered financial platform designed to automate back-office operations for small and midsize businesses.

Market cap
$4.26B-19.3%
Revenue$1.7B+13.0%
Net income-$11.2M-118%
Free cash flow$412.5M+19.1%
EPS (diluted)-$0.12-33.3%
Trailing twelve months · change vs. prior year

Earnings

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$438.7M
EPS estimate$0.93

Financials

Q4 2026

Income statement

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Revenue$436.2M+13.8%
Gross profit$356.2M+15.0%
Operating income-$34.3M-53.9%
Net income-$18.5M
EPS (diluted)-$0.18

Balance sheet

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Cash & equivalents$1.0B-0.7%
Total debt$184.4M-89.9%
Total equity$3.5B-9.8%
Total assets$10.2B+1.5%

Cash flow

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Operating cash flow$111.0M+32.4%
CapEx$375.0K-86.6%
Free cash flow$110.6M+36.5%

Valuation & ratios

Valuation

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Market cap$4.26B-19.3%
Enterprise value$3.41B-43.1%
P/S2.6×-1.0×

Profitability

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Gross margin80.9%-0.5pp
Operating margin-4.4%-0.7pp
Net margin-0.7%
FCF margin25%+1.3pp

Returns & leverage

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Return on equity-0.3%
Debt / equity0.1×-0.4×
Current ratio1.5×-0.1×

Segments

By product

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BILL AP/AR$192.4M+10.0%
BILL Spend and Expense$184.6M+22.5%
Interest on funds held for customers$35.7M-4.5%

Competitors

Profile

BILL Holdings, Inc. provides an intelligent, AI-powered financial platform designed to automate back-office operations for small and midsize businesses. The platform integrates accounts payable, accounts receivable, and spend management into a single system of control that connects businesses with their suppliers and clients. By leveraging a large proprietary data asset, the company streamlines financial workflows, facilitates electronic payments, and provides strategic insights into cash flow.

Competitive position

A leading intelligent finance platform for SMBs that differentiates through a large network effect and deep integration with major accounting software ecosystems.

GeographiesUnited States, Canada
Customer segmentsSmall and Midsize Businesses, Accounting Firms, Financial Institutions
Business modelSubscription SaaS, Transaction-based, Platform-as-a-Service
SuppliersCloud infrastructure providers, Card issuing banks, Payment processors, Data providers
CustomersSmall and midsize businesses, Accounting firms, Enterprise software partners, Financial institutions
Listed2019
Employees2.5K
CEORene A. Lacerte
Websitebill.com
FilingsSEC EDGAR

FAQ

What is BILL Holdings, Inc.'s market cap?
BILL Holdings, Inc. (BILL) has a market capitalization of $4.3B and trades on NYSE.
What is BILL Holdings, Inc.'s revenue and profitability?
BILL Holdings, Inc. generated $1.7B in trailing twelve-month revenue with a net loss of $11.2M, representing a net margin of -0.7%. Gross margin stands at 80.9%, with free cash flow of $412.5M. The latest reported period is Q4 2026.
Who are BILL Holdings, Inc.'s competitors?
BILL Holdings, Inc.'s key competitors include Expensify, Paymentus Holdings, Inc., ACI Worldwide, Inc., and others. These companies compete in similar markets and product categories.
Who does BILL Holdings, Inc. partner with?
BILL Holdings, Inc.'s notable partners include Paychex, Oracle NetSuite, Acumatica, and others.
What subsidiaries does BILL Holdings, Inc. have?
BILL Holdings, Inc.'s subsidiaries include Divvy.
Where is BILL Holdings, Inc. headquartered?
BILL Holdings, Inc. is headquartered in United States of America and employs approximately 2,521 people. It has been publicly traded since 2019.