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BILL Holdings BILL Provision for expected credit losses

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Other financials

Income statement

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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

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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

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

Valuation

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Market cap$3.22B-19.0%

Profitability

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

Returns & leverage

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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 official record: BILL Holdings’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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.