Can BILL Holdings cover its short-term obligations?

Its current ratio is 1.66 — current assets exceed current liabilities.

Where does BILL Holdings's balance sheet data come from?

Every line is extracted from BILL Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

BILL Holdings BILL Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q3 '26	TTM Q2 '26	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25
Cash and cash equivalents	$3.36B-8.4%	$3.67B+3.6%	$3.54B+241%	$1.04B-67.3%	$3.17B-17.0%
Short-term investments	$1.18B+2.8%	$1.15B-5.6%	$1.22B+3.0%	$1.18B+4.9%	$1.13B+74.6%
Restricted cash	——	——	——	——	——
Accounts receivable, net	$32.14M-21.9%	$41.16M+28.2%	$32.11M-0.7%	$32.34M+21.3%	$26.66M-7.8%
Prepaid expenses and other current assets	$259.8M-6.7%	$278.47M+3.4%	$269.33M+4.2%	$258.42M+7.1%	$241.33M-4.2%
Trading assets	$1.38B-1.4%	$1.4B+91.4%	$731.48M-34.6%	$1.12B+11.3%	$1.01B-9.3%
Total current assets	$7.28B-0.6%	$7.33B-0.1%	$7.33B+1.3%	$7.24B+6.4%	$6.8B-0.5%
Property and equipment, net	$138.52M+9.0%	$127.03M-1.5%	$128.96M+10.6%	$116.61M+11.2%	$104.84M+11.0%
Operating lease right-of-use assets	$49.94M-4.0%	$52.02M-3.8%	$54.07M-3.6%	$56.09M-3.4%	$58.08M-3.4%
Goodwill	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%
Intangible assets, net	$177.31M-7.9%	$192.48M-7.3%	$207.64M-6.8%	$222.81M-6.4%	$237.97M-6.0%
Other non-current assets	$32.75M-0.7%	$32.97M-3.7%	$34.23M+3.2%	$33.18M+5.6%	$31.41M+4.6%
Available-for-sale securities	$1.53B+14.9%	$1.33B-37.7%	$2.13B+26.2%	$1.69B-3.3%	$1.75B+53.2%
Gross loans	$47.64M+1.6%	$46.88M+0.9%	$46.45M+1.9%	$45.56M+0.4%	$45.36M—
Total assets	$10.08B-0.5%	$10.13B-0.2%	$10.15B+0.9%	$10.06B+4.5%	$9.63B-0.4%
Accounts payable	$7.15M+41.7%	$5.04M-27.9%	$7M-57.0%	$16.29M+75.2%	$9.3M+62.5%
Accrued expenses	$32.67M-1.3%	$33.08M-8.0%	$35.95M-9.2%	$39.58M+19.9%	$33M+12.8%
Deferred revenue	$21.29M+1.9%	$20.89M+0.5%	$20.78M-7.4%	$22.44M+3.2%	$21.74M-0.2%
Short-term borrowings	$0—	$0-100%	$33.45M—	——	——
Contract liabilities	$380K-10.4%	$424K+22.5%	$346K+21.4%	$285K+16.3%	$245K+21.3%
Accrued interest	$8.1M-5.8%	$8.6M+3.6%	$8.3M-6.7%	$8.9M+15.6%	$7.7M+48.1%
Total current liabilities	$4.39B-1.0%	$4.43B+1.2%	$4.38B-4.6%	$4.59B+14.2%	$4.02B-2.5%
Long-term debt	$1.83B+0.1%	$1.83B-1.7%	$1.87B+8.8%	$1.71B+2.1%	$1.68B+0.1%
Operating lease liabilities, non-current	$51M-4.7%	$53.49M-4.4%	$55.95M-4.2%	$58.37M-3.8%	$60.69M-4.3%
Other non-current liabilities	$4.08M+118%	$1.87M+12.6%	$1.66M+5.1%	$1.58M-59.2%	$3.87M+669%
Total liabilities	$6.28B-0.7%	$6.32B+0.8%	$6.27B+1.9%	$6.15B+6.7%	$5.76B-1.8%
Common stock	$2K0.0%	$2K0.0%	$2K0.0%	$2K0.0%	$2K0.0%
Additional paid-in capital	$5.57B+0.9%	$5.52B+1.1%	$5.46B+0.9%	$5.41B+1.6%	$5.33B+1.2%
Retained earnings	-$1.77B-2.3%	-$1.73B-8.5%	-$1.6B-5.6%	-$1.51B-2.9%	-$1.47B-0.8%
Accumulated other comprehensive income (loss)	$1.99M-85.5%	$13.78M+4.3%	$13.2M+29.5%	$10.2M+40.1%	$7.28M+3,145%
Total stockholders' equity	$3.8B-0.1%	$3.81B-2.0%	$3.88B-0.8%	$3.91B+1.1%	$3.87B+1.6%
Total liabilities and stockholders' equity	$10.08B-0.5%	$10.13B-0.2%	$10.15B+0.9%	$10.06B+4.5%	$9.63B-0.4%
Available-for-Sale Debt Securities - Amortized Cost	$1.18B+3.2%	$1.14B-5.7%	$1.21B+2.9%	$1.18B+4.8%	$1.12B+74.2%
Available-for-Sale Debt Securities - Fair Value by Maturity	$2.91B+6.5%	$2.73B-4.7%	$2.86B+2.0%	$2.81B+2.0%	$2.75B+22.1%
Available-for-Sale Debt Securities - Single Maturity Date	$2.91B+6.5%	$2.73B-4.7%	$2.86B+2.0%	$2.81B+2.0%	$2.75B+22.1%
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	$340K—	$0-100%	$1.72M—	$0—	$0-100%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$340K—	$0-100%	$1.72M—	$0—	$0-100%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$459.2M+596%	$66.01M-55.2%	$147.29M-61.2%	$379.61M+3.9%	$365.25M+48.9%
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$459.2M+596%	$66.01M-55.2%	$147.29M-61.2%	$379.61M+3.9%	$365.25M+48.9%
Available-for-Sale Debt Securities - Unrealized Loss Position	$1.54M+3,474%	$43K-59.8%	$107K-69.2%	$347K-25.9%	$468K-51.1%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$340K—	$0-100%	$1.72M—	$0—	$0-100%
AFS and Trading Securities - Unrealized Loss Position Fair Value	$459.54M+596%	$66.01M-55.7%	$149.01M-60.7%	$379.61M+3.9%	$365.25M+37.8%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$459.2M+596%	$66.01M-55.2%	$147.29M-61.2%	$379.61M+3.9%	$365.25M+48.9%
Allowance for Credit Losses - Receivable (Current)	$15.64M+16.6%	$13.41M-8.5%	$14.65M-1.3%	$14.85M+5.9%	$14.03M—
Total Cash, Cash Equivalents, and Restricted Cash (Inclusive)	$3.36B-8.4%	$3.67B+3.6%	$3.54B-0.3%	$3.55B+12.0%	$3.17B-17.0%
Cash, Cash Equivalents, and Marketable Securities	$459.54M+596%	$66.01M-55.7%	$149.01M-60.7%	$379.61M+3.9%	$365.25M+37.8%
Acquired card receivables, net of allowances of $18,266 and $15,020 as of March 31, 2026 and June 30, 2025, respectively	$819.36M+11.9%	$732.08M-0.9%	$738.77M+7.8%	$685.11M-2.9%	$705.54M+21.3%
Available For Sale Securities Debt Securities Current	$1.18B+2.8%	$1.15B-5.6%	$1.22B+3.0%	$1.18B+4.9%	$1.13B+74.6%
Funds Held for Clients	$4B-0.8%	$4.03B+1.4%	$3.97B-1.7%	$4.04B+10.6%	$3.66B-2.9%
Deferred Finance Costs, Current	$0—	$0-100%	$17K—	——	——
Equipment Installment Plan Receivables, Gross	$63.28M—	——	——	——	——
Financing Receivables	$47.64M+1.6%	$46.88M+0.9%	$46.45M+1.9%	$45.56M+0.4%	$45.36M—
Loans and Lending Commitments	$47.64M+1.6%	$46.88M+0.9%	$46.45M+1.9%	$45.56M+0.4%	$45.36M—
Purchased Credit Deteriorated Loans	$47.64M+1.6%	$46.88M+0.9%	$46.45M+1.9%	$45.56M+0.4%	$45.36M—
Deferred Tax Assets and Other Non-Current Assets	$32.75M-0.7%	$32.97M-3.7%	$34.23M+3.2%	$33.18M+5.6%	$31.41M+4.6%
Investments - Amortized Cost Basis	$1.18B+3.2%	$1.14B-5.7%	$1.21B+2.9%	$1.18B+4.8%	$1.12B+74.2%
Net Investment in Lease	$49.94M-4.0%	$52.02M-3.8%	$54.07M-3.6%	$56.09M-3.4%	$58.08M-3.4%
Other intangible assets—net	$177.31M-7.9%	$192.48M-7.3%	$207.64M-6.8%	$222.81M-6.4%	$237.97M-6.0%
Operating lease right-of-use assets	$49.94M-4.0%	$52.02M-3.8%	$54.07M-3.6%	$56.09M-3.4%	$58.08M-3.4%
Other non-current assets	$32.75M-0.7%	$32.97M-3.7%	$34.23M+3.2%	$33.18M+5.6%	$31.41M+4.6%
Operating Lease Right-of-Use Assets in Other Assets	$49.94M-4.0%	$52.02M-3.8%	$54.07M-3.6%	$56.09M-3.4%	$58.08M-3.4%
Software and Technology Licenses, Net	$32.75M-0.7%	$32.97M-3.7%	$34.23M+3.2%	$33.18M+5.6%	$31.41M+4.6%
Accrued Manufacturing Costs	$32.67M-1.3%	$33.08M-8.0%	$35.95M-9.2%	$39.58M+19.9%	$33M+12.8%
Accrued Progress Collections and Price Adjustments	$380K-10.4%	$424K+22.5%	$346K+21.4%	$285K+16.3%	$245K+21.3%
Other Commercial Liabilities	$325.52M-4.0%	$339.02M+10.6%	$306.41M+21.4%	$252.46M-4.0%	$262.92M-1.0%
Contract Liabilities and Refund Liability	$4B-0.8%	$4.03B+1.4%	$3.97B-1.7%	$4.04B+10.6%	$3.66B-2.9%
Accrued Liabilities, Current	$325.52M-4.0%	$339.02M+10.6%	$306.41M+21.4%	$252.46M-4.0%	$262.92M-1.0%
Debt, current	$0—	$0-100%	$33.45M—	——	——
Compensation and benefits	$32.67M-1.3%	$33.08M-8.0%	$35.95M-9.2%	$39.58M+19.9%	$33M+12.8%
Revolving credit facility	$0—	——	——	——	——
Line of Credit Outstanding	$0—	$0—	$0-100%	$180.01M0.0%	$180.01M0.0%
Contract Liabilities, Non-Current	$380K-10.4%	$424K+22.5%	$346K+21.4%	$285K+16.3%	$245K+21.3%
Convertible Debt (Non-Current)	$1.5B+0.1%	$1.5B+0.1%	$1.5B+0.1%	$1.5B+0.1%	$1.5B+0.1%
Debt Maturity - 5 to 10 Years	$317K-28.6%	$444K-34.9%	$682K-26.0%	$922K-23.2%	$1.2M—
Deferred revenue, net of current portion	$380K-10.4%	$424K+22.5%	$346K+21.4%	$285K+16.3%	$245K+21.3%
Total debt	$1.89B-0.1%	$1.89B-3.5%	$1.96B+7.5%	$1.82B+2.6%	$1.77B-0.1%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$5K—	$0-100%	$1K—	$0—	$0-100%
Additional paid-in capital	$5.57B+0.9%	$5.52B+1.1%	$5.46B+0.9%	$5.41B+1.6%	$5.33B+1.2%
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$2K0.0%	$2K0.0%	$2K0.0%	$2K0.0%	$2K0.0%
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	——	——	——	——	——
Investments - Gross Unrealized Losses	$459.54M+596%	$66.01M-55.7%	$149.01M-60.7%	$379.61M+3.9%	$365.25M+37.8%
Share-Based Payment - Unrecognized Cost of Nonvested Awards	——	——	——	——	——
Unrealized Gains on Investments	$1.76M-61.4%	$4.56M+4.9%	$4.35M+43.1%	$3.04M+53.4%	$1.98M+279%
Unrealized Losses on Investments (Before Tax)	$1.54M+3,474%	$43K-59.8%	$107K-69.2%	$347K-25.9%	$468K-51.1%
Nonperforming Loans and Leases Percentage	$63.28M—	——	——	——	——
Cumulative Cost Basis	$1.18B+3.2%	$1.14B-5.7%	$1.21B+2.9%	$1.18B+4.8%	$1.12B+74.2%
Deferred Revenue Timing Percentage	——	——	——	——	——
Line of Credit Remaining Borrowing Capacity	——	——	——	——	——
Allowance for potential credit losses related to accounts receivable and acquired card receivables	$34.2M+2.7%	$33.3M+10.3%	$30.2M-0.3%	$30.3M-11.7%	$34.3M-0.3%
Accrued Income Earned	$22.01M-21.5%	$28.04M+5.8%	$26.49M+30.3%	$20.33M-6.9%	$21.84M+0.6%
Acquired card receivable as collateral	——	——	——	——	——
Acquired card receivables, allowance for credit losses	$18.27M-6.5%	$19.54M+28.4%	$15.22M+1.3%	$15.02M-24.8%	$19.98M-3.8%
Acquired Card Receivables Gross	$837.63M+11.4%	$751.63M-0.3%	$753.98M+7.7%	$700.13M-3.5%	$725.52M+20.4%
Authorized transactions but not cleared	——	——	——	——	——
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$1.54M+3,474%	$43K-59.8%	$107K-69.2%	$347K-25.9%	$468K-51.1%
Gross Unrealized Gains	$1.76M-61.4%	$4.56M+4.9%	$4.35M+43.1%	$3.04M+53.4%	$1.98M+279%
Total	$1.18B+3.2%	$1.14B-5.7%	$1.21B+2.9%	$1.18B+4.8%	$1.12B+74.2%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	$317K-28.6%	$444K-34.9%	$682K-26.0%	$922K-23.2%	$1.2M—
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$1.53B+14.9%	$1.33B-37.7%	$2.13B+26.2%	$1.69B-3.3%	$1.75B+53.2%
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	$1.38B-1.4%	$1.4B+91.4%	$731.48M-34.6%	$1.12B+11.3%	$1.01B-9.3%
Cash and cash equivalents, end of period	$3.36B-8.4%	$3.67B+3.6%	$3.54B-0.3%	$3.55B+12.0%	$3.17B-17.0%
Other Commitment	——	——	——	——	——
Other Contractual Commitments - Due in Remainder of 2025	——	——	——	——	——
Convertible debentures	$1.5B+0.1%	$1.5B+0.1%	$1.5B+0.1%	$1.5B+0.1%	$1.5B+0.1%
Estimated rate refund liabilities	$4B-0.8%	$4.03B+1.4%	$3.97B-1.7%	$4.04B+10.6%	$3.66B-2.9%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$5K—	$0-100%	$1K—	$0—	$0-100%
Less than 12 months	$459.2M+596%	$66.01M-55.2%	$147.29M-61.2%	$379.61M+3.9%	$365.25M+48.9%
12 months or more	$340K—	$0-100%	$1.72M—	$0—	$0-100%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$1.53M+3,463%	$43K-59.4%	$106K-69.5%	$347K-25.9%	$468K-51.0%
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$1.54M+3,474%	$43K-59.8%	$107K-69.2%	$347K-25.9%	$468K-51.1%
Debt Securities, Available-for-Sale, Unrealized Loss Position	$459.54M+596%	$66.01M-55.7%	$149.01M-60.7%	$379.61M+3.9%	$365.25M+37.8%
Deferred Finance Costs Noncurrent Net	$18.69M-6.3%	$19.95M-6.0%	$21.23M-5.7%	$22.5M-5.3%	$23.77M-5.1%
Unrecognized compensation cost related to non-vested awards	——	——	——	——	——
Principal Balance	$64.95M+4.6%	$62.08M-0.9%	$62.64M+1.1%	$61.94M+1.7%	$60.89M—
Financing receivable, unamortized purchase discount	-$1.67M+6.6%	-$1.79M-15.6%	-$1.54M-1.1%	-$1.53M-1.8%	-$1.5M—
Total funds held for customers	$4.02B-1.0%	$4.06B+1.5%	$4B-1.6%	$4.06B+10.5%	$3.68B-2.9%
Funds Held for Customers, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$0—	$0-100%	$30K—	$0—	$0—
Funds Held for Customers, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$2.06M+10,180%	$20K-61.5%	$52K-76.0%	$217K-58.1%	$518K-79.3%
Fair value, 12 months or longer	$0—	$0-100%	$12.07M—	$0—	$0—
Fair value, less than 12 months	$447.2M+1,054%	$38.75M-34.1%	$58.76M-41.4%	$100.35M-36.5%	$158.12M-65.6%
Funds Held For Customers Debt Securities Accumulated Gross Unrealized Loss Before Tax	$2.06M+10,180%	$20K-75.6%	$82K-62.2%	$217K-58.1%	$518K-79.3%
Gross unrealized gains	$4M-57.7%	$9.46M+2.5%	$9.22M+16.7%	$7.9M+22.3%	$6.46M+125%
Amortized cost	$1.73B+9.8%	$1.57B-4.1%	$1.64B+1.1%	$1.62B0.0%	$1.62B+0.7%
Fair value	$1.73B+9.3%	$1.58B-4.1%	$1.65B+1.2%	$1.63B+0.1%	$1.63B+1.1%
Number of unrealized loss investment positions	——	——	——	——	——
Number of investment positions	——	——	——	——	——
Funds Held for Customers, Unrealized Loss Position	$447.2M+1,054%	$38.75M-45.3%	$70.83M-29.4%	$100.35M-36.5%	$158.12M-65.6%
Funds Held for Customers, Unrealized Loss Position, Accumulated Loss	$2.06M+10,180%	$20K-75.6%	$82K-62.2%	$217K-58.1%	$518K-79.3%
Secured lines of credit	$330M0.0%	$330M0.0%	$330M—	$0-100%	$180.01M0.0%
Other Commitment	——	——	——	——	——
Other contractual commitments, Due in 2026 (remainder)	——	——	——	——	——
Restricted cash and restricted cash equivalents included in funds held for customers	——	——	——	——	——
Restructuring and related cost, expected number of positions eliminated, percent	——	——	——	——	——
Remaining performance obligations related to customer contracts that are unsatisfied or partially unsatisfied	——	——	——	——	——
Unbilled revenue	$19.8M+8.2%	$18.3M+5.2%	$17.4M+0.6%	$17.3M0.0%	$17.3M-4.4%
Purchase Obligation	——	——	——	——	——

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Questions, answered.

Can BILL Holdings cover its short-term obligations?: Its current ratio is 1.66 — current assets exceed current liabilities.
Where does BILL Holdings's balance sheet data come from?: Every line is extracted from BILL Holdings's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.