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BILL Holdings BILL Q4 2025 Annual earnings

Reported August 27, 2025 · After market close

Revenue$383.3MMiss by $9.3MDiluted EPS$0.53Beat by $0.12
Revenue estimate$392.6M
EPS estimate$0.41

Next report

Aug 26, 2026 (in a month)
Revenue estimate$430.5M
EPS estimate$0.69

Financials

Q4 2025

Income statement

See full
Revenue$383.3M+11.5%
Gross profit$309.8M+11.2%
Operating income-$22.2M-0.1%

Balance sheet

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Cash & equivalents$1.0B+5.3%
Total debt$1.8B+83.8%
Total equity$3.9B-5.3%
Total assets$10.1B+9.6%

Cash flow

See full
Operating cash flow$83.8M+6.6%
CapEx$2.8M+1,260%
Free cash flow$81.0M+3.3%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$4.67B-16.5%
Enterprise value$5.45B-2.6%
P/S3.2×-1.1×

Profitability

See full
Gross margin81.4%-0.4pp
Operating margin-5.5%-2.0pp
FCF margin23.7%+2.1pp

Returns & leverage

See full
Debt / equity0.5×+0.2×
Current ratio1.6×0.0×

Segments

By product

See full
BILL AP/AR$174.9M+12.9%
BILL Spend and Expense$150.7M+19.2%
Interest on funds held for customers$37.4M-11.7%

Versus estimates

Revenue

Q3 2026$406.6MBeat by $2.8MQ2 2026$414.7MBeat by $14.9MQ1 2026$395.7MBeat by $3.9M
Q4 2025$383.3MMiss by $9.3M
Q3 2025$358.2MMiss by $17.7MQ2 2025$362.6MBeat by $2.6M

Diluted EPS

Q3 2026$0.68Beat by $0.13Q2 2026$0.64Beat by $0.08Q1 2026$0.61Beat by $0.10
Q4 2025$0.53Beat by $0.12
Q3 2025$0.50Beat by $0.13Q2 2025$0.56Beat by $0.13

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Questions, answered.

When did BILL Holdings report Q4 2025 earnings?
BILL Holdings (BILL) reported Q4 2025 earnings on August 27, 2025 after market close.
What were BILL Holdings's Q4 2025 revenue and EPS?
BILL Holdings reported revenue of $383.3M and diluted EPS of $0.53 for Q4 2025.
Did BILL Holdings beat estimates in Q4 2025?
Revenue missed the consensus estimate of $392.6M by $9.3M. EPS beat the consensus estimate of $0.41 by $0.12.
How did BILL Holdings's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.5% from $343.7M a year earlier and diluted EPS declined 7.0% from $0.57.
Where can I find BILL Holdings's Q4 2025 SEC filings?
You can read the 10-K periodic report (0001786352-25-000037) directly on SEC EDGAR. The filing index links above go to sec.gov.