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Stock Ratings / Technology / BILL / financials
QTWO (69) MNDY (63) FRSH (69) CCC (62) ⌘ Pro Terminal β†’

BILL Holdings Inc. (BILL) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$49.72 +2.92% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.89

BILL Holdings Inc. (BILL) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- β€’ HOLD / WATCH Cap $4.15B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is BILL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, BILL Holdings Inc. (NYSE: BILL) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $49.72 (+2.92% 1D, market cap $4.15B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 12/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 13/20. Across 715 tracked Technology issuers, BILL ranks #199 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does BILL compare to QTWO and MNDY in the Technology sector?
β–Ό

Within the Technology sector (Computer Software: Prepackaged Software), BILL carries a Roarable C- (61/100 RQD), trailing P/E of N/A, gross margin of 81.4%, and ROIC of -1.2%. By comparison, QTWO (Q2 Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 77.6x, ROIC 5.7%, cap $4.14B) and MNDY (monday.com Ltd.) posts a C grade (63/100 RQD, P/E 34.2x, ROIC -0.4%, cap $4.10B). Among the 5-stock peer group, FRSH leads on earnings multiple (21.3x) while QTWO leads on capital efficiency (5.7% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BILL?
β–Ό

Per BILL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001786352), BILL Holdings Inc. generated $1.46B in revenue (+13.4% YoY), $23.8M in net income, and $346.3M in free cash flow against $10.13B in total assets and $2.84B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $49.89 (+0.34%)🧬 Cannibal Buyback (-1.52% YoY Shares)βš™οΈ Cash Engine: 9/20 (D) β€’ 23.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY β€’ 53.9% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510061
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C Β· Rk C-
Cash (9)Whales (15)SEC (12)Macro (12)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
$60 Bull$50 Base$39 Bear
πŸ“¬ FREE BILL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for BILL)Realized 20D OHLCV Swing Band: Β±6.9%
Deterministic 5-Pillar Attribution (61/100 Composite)
πŸ” WHY BILL SCORES 61/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (Β±6.9% realized swing band)

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy β€’ Cannibal Buyback (-1.52% YoY Shares)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 0% operating margin leave 11 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
53
Grade C-$44.18+10.9% Next Q
Q2 (-2Q)
56
Grade C$49.01-2% Next Q
Q3 (-1Q)
58
Grade C$48.02+3.5% Next Q
Current
61
Grade C-$49.72+0.5% Hist 90D Ξ±
Trajectory: C- (53) β†’ C- (61)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the BILL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 61/100 (C-) score, BILL faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) β€” any gross margin slip below 78.9% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($47.02) or 200D SMA ($42.56) invalidates the momentum regime and cuts Target Base ($50.39) toward Bear Floor ($39.30).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BILLβ€’ $4.8M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œBILL Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 61%NO 39%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How BILL Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$346.3M (23.7% FCF Margin)
Revenue$1.46BGross Profit $1.19B (81.4%)Cost of Sales $272.1MOp Profit $0 (0%)OpEx (R&D/SG&A) $1.19BNet Profit$23.8M (1.6%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $1.06B
FY24
Rev $1.29B
FY25
Rev $1.46B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$1.46B81.4%-5.5%$23.8M$346.3M-1.1%
FY 2024$1.29B81.8%-13.5%-$28.9M$277.8M-2.8%
FY 2023$1.06B81.4%-27.9%-$223.7M$140.1M-16.9%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BILL)

  • βœ“Walkthrough of BILL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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BILL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.18%⚑ TESTING RESISTANCE
2026-11-03O $48.47H $49.72L $48.31C $49.72VOL 1.77M
RES: $50.73SUP: $44.56SMA50: $47.02SMA200: $42.56
$54.08$47.94$41.79$35.65$29.50RES $50.73SUP $44.56$49.722026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BILL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ BILL Butterfly Map β†’ + Track BILL β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +13.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BILL today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for BILL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BILL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BILL)

Technology Rank #199 of 715 βš”οΈ QTWO vs BILL Full Matrix β†’

1. Head-to-Head Technology Peer Comparison (BILL vs. QTWO, MNDY, FRSH, CCC)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, BILL Holdings Inc. (BILL) ranks #199 by composite RQD confidence (61/100, grade C-) and #221 by equity capitalization ($4.15B). Within this direct 5-issuer industry benchmark cohort, FRSH leads on earnings valuation at 21.3x trailing P/E, while QTWO leads on capital efficiency and profitability with 5.7% ROIC and 54.1% gross margin. QTWO currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BILL at 61/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BILL ACTIVE
BILL Holdings Inc.
C- 61/100 β€” 81.4% -1.2% +2.92% $4.15B Benchmark Subject
QTWO
Q2 Holdings Inc.
C+ 69/100 77.6x 54.1% 5.7% +5.01% $4.14B /qtwo-vs-bill β†’
MNDY
monday.com Ltd.
C 63/100 34.2x 89.2% -0.4% -0.36% $4.10B /mndy-vs-bill β†’
FRSH
Freshworks Inc.
C+ 69/100 21.3x 85.0% 1.5% -3.46% $3.84B /frsh-vs-bill β†’
CCC
CCC Intelligent Solutions Holdings Inc.
C 62/100 β€” 73.5% 2.5% +0.39% $4.52B /ccc-vs-bill β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-06-30 β€’ CIK 0001786352 β†—

In its most recent audited fiscal period (FY2025, filed 2025-06-30), BILL Holdings Inc. (BILL) reported GAAP revenue of $1.46B (+13.4% vs. FY2024 revenue of $1.29B , and +38.2% cumulative change since FY2023) , GAAP net income of $23.8M, operating cash flow of $350.6M, and free cash flow of $346.3M (+24.7% YoY). On the balance sheet, BILL closed FY2025 with $10.13B in total assets against $2.84B in total debt (Altman Z-Score: 0.62, Piotroski F-Score: 9/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-06-30 $1.46B $23.8M $350.6M $346.3M $10.13B $2.84B
FY2024 (FY) 2024-06-30 $1.29B -$28.9M $278.8M $277.8M $9.67B $2.64B
FY2023 (FY) 2023-06-30 $1.06B -$223.7M $187.8M $140.1M $2.29B $535.7M

3. BILL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BILL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, BILL Holdings Inc. (NYSE: BILL) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $49.72 (+2.92% 1D, market cap $4.15B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 12/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 13/20. Across 715 tracked Technology issuers, BILL ranks #199 in composite RQD confidence.

How does BILL compare to QTWO and MNDY in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), BILL carries a Roarable C- (61/100 RQD), trailing P/E of N/A, gross margin of 81.4%, and ROIC of -1.2%. By comparison, QTWO (Q2 Holdings Inc.) holds a C+ grade (69/100 RQD, P/E 77.6x, ROIC 5.7%, cap $4.14B) and MNDY (monday.com Ltd.) posts a C grade (63/100 RQD, P/E 34.2x, ROIC -0.4%, cap $4.10B). Among the 5-stock peer group, FRSH leads on earnings multiple (21.3x) while QTWO leads on capital efficiency (5.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BILL?

Per BILL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001786352), BILL Holdings Inc. generated $1.46B in revenue (+13.4% YoY), $23.8M in net income, and $346.3M in free cash flow against $10.13B in total assets and $2.84B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BILL trading relative to its 50-day, 200-day, and 52-week technical levels?

BILL last traded at $49.72 (+2.92% on volume of 1,422,958 shares), positioning the stock +5.74% above its 50-day simple moving average ($47.02) and +16.82% above its 200-day simple moving average ($42.56). Across its 52-week range of $31.41 to $57.21, BILL sits at the 71.0% percentile with a 14-day RSI of 54.8 (NEUTRAL RANGE) and an implied next-earnings move of Β±6.9% ($46.29 to $53.15).

Direct Sub-Reports: BILL RQD Cockpit BILL 12M Forecast BILL Earnings & Move BILL Dividends & DRIP BILL Insiders & 13F BILL Whale Options BILL Profit Sankey BILL News & Why
ROARABLE RATING BRIEF β€’ RQD 61/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

BILL β€” BILL Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

BILL Holdings Inc. (BILL) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $49.72 (+2.92% 1D, market capitalization $4.15B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of -1.2%, gross margin of 81.4%, operating margin of -5.5%, and free cash flow yield of 8.32%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (12/20): Incorporates a 1.33x equity beta, Altman Z-Score of 0.62, Piotroski F-Score of 9/9, and Debt/Equity of 0.70x.

2. Business Model, Unit Margins & SEC Financial Trajectory

BILL Holdings Inc. Is a NYSE-listed issuer in the Technology sector, operating in the Computer Software: Prepackaged Software industry,. The reported gross margin of 81.4% per the market data indicates a high-margin software cost structure.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), BILL Holdings Inc. (BILL) reported $1.46B in annual revenue (up from $1.29B in FY2024, +13.4% YoY) and $23.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.06B revenue, -$223.7M net income) through FY2025, BILL scaled operating cash flow to $350.6M and free cash flow to $346.3M, backed by $10.13B in total assets against $2.84B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C- β€’ RQD 61/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of 8.32% and institutional whale pillar of 15/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $31.41 – $57.21 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Investors must weigh current valuation against -5.5% operating margins and a 1.33x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies are β€” Sector correlations beyond the Technology / Prepackaged Software classification are β€” A prospective investor should note that the absence of mapped links means second-order ripple effects cannot be evaluated from this dataset.

  • Key Question #1: Can BILL sustain or expand its -5.5% operating margin and -1.2% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.46B and free cash flow of $346.3M, how will capital allocation balance growth reinvestment against $2.84B in total debt?
  • Key Question #3: How sensitive is BILL's equity valuation to Technology capital spending cycles and macro interest-rate shifts (Beta 1.33x)?

BILL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for BILL Holdings Inc. (BILL) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to BILL Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BILL Bull vs. Bear Conversation Board β€” What's Your Call at $49.72?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BILL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BILL:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER β€’ Systematic Momentum Desk πŸ‚ BULLISH 🎯 Target: $56.04 (+16.0%)
πŸ“Œ Pinned Debate

Revenue grew from $1.06B to $1.46B across FY 2023–FY 2025 with FCF of $346.3M in FY 2025 and a free cash flow yield of 8.32%.

Picked up a starter position in BILL in my $100K Virtual Cash book at $48.31. Revenue grew from $1.06B to $1.46B across FY 2023–FY 2025 with FCF of $346.3M in FY 2025 and a free cash flow yield of 8.32%.. Trading inside a $31.41–$57.21 52-week range with 8.32% FCF yield gives solid downside support if Computer Software: Prepackaged Software multiples expand this quarter.

ArenaChamp_24 πŸ‚ BULL

@BearTrap_Alert Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Computer Software: Prepackaged Software. If gross margin (81.4%) holds, EPS grows into the multiple faster than bears think.

BE BearTrap_Alert RQD DEBATE OPENER β€’ Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $41.06 (-15.0%)
Spot @ $48.31

Reported debt rose from $535.7M to $2.84B while the Altman Z-Score sits at 0.62 and ROIC is -1.2%.

Here is the bear case nobody on the bull side wants to address on BILL: Reported debt rose from $535.7M to $2.84B while the Altman Z-Score sits at 0.62 and ROIC is -1.2%.. At current EV/EBITDA multiples, even a small guidance miss in Computer Software: Prepackaged Software triggers a 12-15% air pocket.

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