Skip to content
Screener

BILL Holdings BILL Provision for expected credit losses

Provision for expected credit losses at other companies

Xtant Medical Holdings logo
Xtant Medical HoldingsXTNT
$180K-25.9%
Trustmark logo
TrustmarkTRMK
-$4.78M-189%
Trustmark logo
TrustmarkTRMK
-$4.78M-189%
NGL Energy Partners logo
NGL Energy PartnersNGL
$469K-25.4%
Booking Holdings Inc. logo
Booking Holdings Inc.BKNG
$110M+23.6%
Ascent Industries Co. logo
Ascent Industries Co.ACNT
$13K-86.2%

Other financials

Income statement

See full
Revenue$406.6M+13.5%
Gross profit$331.9M+14.0%
Operating income-$399.0K+98.6%
Net income$12.8M+210%
EPS (diluted)$0.12+209%

Balance sheet

See full
Cash & equivalents$3.4B+6.0%
Total debt$1.9B+6.3%
Total equity$3.8B-1.7%
Total assets$10.1B+4.6%

Cash flow

See full
Operating cash flow$102.7M+3.2%
CapEx$168.0K-85.4%
Free cash flow$102.5M+4.2%

Valuation

See full
Market cap$4.68B+7.6%
Enterprise value$3.21B-37.5%
P/S2.9×0.0×

Profitability

See full
Gross margin80.7%-0.8pp
Operating margin-3.8%-0.9pp
Net margin-4.2%-1.9pp
FCF margin23.9%-0.2pp

Returns & leverage

See full
Return on equity-1.3%-0.6pp
Debt / equity0.5×0.0×
Current ratio1.7×0.0×

Where this comes from

Reported directly by BILL Holdings in its filing.

Tagged under the XBRL concept bill:AcquiredCardReceivablesAndAccountsReceivableCreditLossExpenseReversal.

The source filing: BILL Holdings’s 10-Q, filed May 8, 2026.

Filed
May 7, 2026, 8:00 PM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q1 2026
Accession
0001628280-26-032387
Line itemThree Months Ended March 31, 2026Three Months Ended March 31, 2025Nine Months Ended March 31, 2026Nine Months Ended March 31, 2025
Research and development74,38586,540237,480250,009
Sales and marketing153,226136,758457,880395,614
General and administrative72,28673,851228,700211,744
Provision for expected credit losses18,83414,94557,55456,964
Depreciation and amortization (1)8,4797,85724,92924,728
Restructuring5,04414,326
Total operating expenses332,254319,9511,020,869939,059
Operating loss(399)(28,946)(39,195)(58,353)

Item 1. Financial Statements (Unaudited)

FAQ

What is BILL Holdings's provision for expected credit losses?
BILL Holdings (BILL) reported provision for expected credit losses of $18.83M in Q1 2026.
How has BILL Holdings's provision for expected credit losses changed year-over-year?
BILL Holdings's provision for expected credit losses increased by 26.0% year-over-year, from $14.95M to $18.83M.
What is the long-term trend for BILL Holdings's provision for expected credit losses?
Over 3 years (2022 to 2025), BILL Holdings's provision for expected credit losses has grown at a 53.4% compound annual growth rate (CAGR), from $20.14M to $72.75M.
What does provision for expected credit losses mean?
This represents the estimated financial loss associated with the inability of customers to fulfill their payment obligations on credit products or receivables. It serves as a critical indicator of credit risk management and the quality of the company's lending or payment facilitation portfolio. High levels of this provision may signal deteriorating credit standards or adverse macroeconomic conditions affecting the company's user base.

Ask your AI about BILL Holdings's provision for expected credit losses.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude