BILL
Bearish signalScored 2026-10-04 Drivers: Congress, trend, fundamentals. Moteurs : Congrès, tendance, fondamentaux.
Research, not advice.
À propos
Bill.com Holdings, Inc.
- Nom
- Bill.com Holdings, Inc.
- Secteur
- Technology
- Industrie
- Software - Application
- Bourse
- NYSE
- Capitalisation
- $4.3B
- Employés
- 1,683
- PDG
- Rene A. Lacerte
- Site web
- https://www.bill.com
- Marché
- BTDRBULLCALXCLSKCWANDGNX
Bill.com Holdings, Inc. offers a powerful cloud-based platform designed to streamline, digitize, and automate the core financial operations for small and medium-sized businesses worldwide. Through its software-as-a-service (SaaS) model, the company provides sophisticated cloud payment solutions and spend management tools. These offerings empower businesses to fully automate both accounts payable and accounts receivable processes, foster seamless connections with their suppliers and clients, abolish traditional expense reports, optimize cash flow, and significantly enhance overall office efficiency. Beyond its core products, Bill.com also furnishes comprehensive support services, covering initial implementation assistance, ongoing technical help, and educational training. Its diverse client base encompasses accounting firms, financial service organizations, and various software enterprises. Established in 2006, Bill.com Holdings, Inc. maintains its corporate headquarters in San Jose, California.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 141 256 titres (~6 779 878,36 $ US)
- Insiders
- Lacerte Rene A.
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$5,912,459
Avg sell (VWAP, 90d window) $48.73 vs last close $43.62 (-10.5%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$719,058 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-02
- Liquidity
- Liquid $77,042,294/day · 20d vol
- Last synced
-
2026-10-02 21:10:10
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-03 | Lacerte Rene A. | Sell · S | 5,752 | $50.62 | $291,173 | Form 4 |
| 2026-09-02 | Lacerte Rene A. | Sell · S | 100,899 | $48.59 | $4,902,228 | Form 4 |
| 2026-09-01 | Jain Rohini | Sell · S · 10b5-1 | 3,915 | $48.70 | $190,673 | Form 4 |
| 2026-08-31 | Cieri Michael | Sell · S · 10b5-1 | 10,754 | $49.13 | $528,385 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-08-13 | Lisa C. McClain | Sale | $1,001 - $15,000 |
| 2025-06-17 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2023-04-10 | Daniel Goldman | Purchase | $1,001 - $15,000 |
| 2023-04-10 | Daniel Goldman | Purchase | $15,001 - $50,000 |
| 2023-03-06 | Daniel Goldman | Sale (Full) | $15,001 - $50,000 |
| 2022-12-06 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-12-06 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-11-03 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-06-27 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-05-23 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-05-05 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-04-11 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-01-21 | Ro Khanna | Purchase | $1,001 - $15,000 |
Signal
Bearish signalScored 2026-10-04 Drivers: Congress, trend, fundamentals. Moteurs : Congrès, tendance, fondamentaux.
BILL presents a mixed financial picture with improving cash flow dynamics but persistent net losses, a dangerously low interest coverage ratio of 0.67, and a 190-day DSO that signals real receivables risk.
The first sentence of the analysis written for BILL on 2026-10-04 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Supports a bullish reading. Current ratio 1.51 · operating margin 1.1%
Suggested stop 42.08, nearest stored support minus 0.5 ATR(3.5% under the last close). Reward/risk to the next stored resistance is 2.79. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 80.9% | 81.4% | 81.8% | 81.7% | 77.4% | |
| Ebit Margin | 0.6% | 3.3% | -0.6% | -19.6% | -50.0% | |
| Ebitda Margin | 7.6% | 9.5% | 7.4% | -9.7% | -35.1% | |
| Operating Profit Margin | 1.1% | -5.5% | -13.5% | -27.9% | -49.4% | |
| Pretax Profit Margin | -0.6% | 2.1% | -2.0% | -21.1% | -51.5% | |
| Continuous Operations Profit Margin | -0.7% | 1.6% | -2.2% | -21.1% | -50.8% | |
| Net Profit Margin | -0.7% | 1.6% | -2.2% | -21.1% | -50.8% | |
| Bottom Line Profit Margin | -0.7% | 1.6% | -2.2% | -21.1% | -50.8% | |
| Current Ratio | 1.510 | 1.578 | 1.554 | 1.778 | 1.842 | |
| Quick Ratio | 1.510 | 1.578 | 1.554 | 0.884 | 0.920 | |
| Solvency Ratio | 0.016 | 0.018 | 0.015 | -0.021 | -0.044 | |
| Cash Ratio | 0.209 | 0.248 | 0.243 | 0.431 | 0.468 | |
| Price To Earnings Ratio | -328.727 | 201.130 | -195.593 | -55.379 | -34.249 | |
| Price To Earnings Growth Ratio | 2.224 | -1.086 | 2.243 | 1.616 | -0.202 | |
| Forward Price To Earnings Growth Ratio | 2.224 | -1.086 | 2.243 | 1.616 | -0.202 | |
| Price To Earnings Diluted Ratio | -328.727 | 201.130 | -195.593 | -55.379 | -34.249 | |
| Price To Earnings Diluted Growth Ratio | 2.224 | -1.086 | 2.243 | 1.616 | -0.202 | |
| Price To Book Ratio | 1.023 | 1.224 | 1.355 | 3.031 | 2.766 | |
| Price To Sales Ratio | 2.186 | 3.276 | 4.343 | 11.699 | 17.426 | |
| Price To Free Cash Flow Ratio | 8.553 | 15.471 | 21.728 | 79.094 | -331.665 | |
| Price To Operating Cash Flow Ratio | 8.486 | 13.664 | 20.100 | 65.950 | -618.290 | |
| Debt To Assets Ratio | 0.186 | 0.176 | 0.106 | 0.198 | 0.200 | |
| Debt To Equity Ratio | 0.537 | 0.453 | 0.236 | 0.468 | 0.459 | |
| Debt To Capital Ratio | 0.350 | 0.312 | 0.191 | 0.319 | 0.315 | |
| Long Term Debt To Capital Ratio | 0.327 | 0.277 | 0.181 | 0.294 | 0.296 | |
| Financial Leverage Ratio | 2.894 | 2.571 | 2.220 | 2.358 | 2.289 | |
| Working Capital Turnover Ratio | 0.641 | 0.597 | 0.499 | 0.366 | 0.309 | |
| Operating Cash Flow Ratio | 0.086 | 0.076 | 0.069 | 0.050 | -0.005 | |
| Operating Cash Flow Sales Ratio | 0.258 | 0.240 | 0.216 | 0.177 | -0.028 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.992 | 0.883 | 0.925 | 0.834 | 1.864 | |
| Debt Service Coverage Ratio | 0.771 | 0.568 | 4.873 | -0.688 | -2.613 | |
| Interest Coverage Ratio | 0.674 | -4.342 | -9.080 | -19.455 | -33.636 | |
| Short Term Operating Cash Flow Coverage Ratio | 3.132 | 1.643 | 0.000 | 1.390 | -0.241 | |
| Operating Cash Flow Coverage Ratio | 0.224 | 0.198 | 0.285 | 0.098 | -0.010 | |
| Capital Expenditure Coverage Ratio | 127.709 | 8.559 | 13.343 | 6.018 | -1.157 | |
| Dividend Paid And Capex Coverage Ratio | 127.709 | 8.559 | 13.343 | 6.018 | -1.157 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 35.592 | 39.186 | 58.257 | -123.640 | -50.836 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 80.9% | ▼-0.5% | ▲0.3% |
| Ebit Margin | 0.6% | ▼-2.8% | ▲13.8% |
| Ebitda Margin | 7.6% | ▼-1.8% | ▲11.7% |
| Operating Profit Margin | 1.1% | ▲6.6% | ▲20.1% |
| Pretax Profit Margin | -0.6% | ▼-2.7% | ▲14.0% |
| Continuous Operations Profit Margin | -0.7% | ▼-2.3% | ▲14.0% |
| Net Profit Margin | -0.7% | ▼-2.3% | ▲14.0% |
| Bottom Line Profit Margin | -0.7% | ▼-2.3% | ▲14.0% |
| Current Ratio | 1.510 | ▼-0.068 | ▼-0.143 |
| Quick Ratio | 1.510 | ▼-0.068 | ▲0.221 |
| Solvency Ratio | 0.016 | ▼-0.003 | ▲0.019 |
| Cash Ratio | 0.209 | ▼-0.039 | ▼-0.111 |
| Price To Earnings Ratio | -328.727 | ▼-529.858 | ▼-246.164 |
| Price To Earnings Growth Ratio | 2.224 | ▲3.310 | ▲1.265 |
| Forward Price To Earnings Growth Ratio | 2.224 | ▲3.310 | ▲1.265 |
| Price To Earnings Diluted Ratio | -328.727 | ▼-529.858 | ▼-246.164 |
| Price To Earnings Diluted Growth Ratio | 2.224 | ▲3.310 | ▲1.265 |
| Price To Book Ratio | 1.023 | ▼-0.201 | ▼-0.857 |
| Price To Sales Ratio | 2.186 | ▼-1.090 | ▼-5.600 |
| Price To Free Cash Flow Ratio | 8.553 | ▼-6.919 | ▲49.916 |
| Price To Operating Cash Flow Ratio | 8.486 | ▼-5.178 | ▲110.504 |
| Debt To Assets Ratio | 0.186 | ▲0.009 | ▲0.012 |
| Debt To Equity Ratio | 0.537 | ▲0.085 | ▲0.107 |
| Debt To Capital Ratio | 0.350 | ▲0.038 | ▲0.052 |
| Long Term Debt To Capital Ratio | 0.327 | ▲0.050 | ▲0.052 |
| Financial Leverage Ratio | 2.894 | ▲0.323 | ▲0.428 |
| Working Capital Turnover Ratio | 0.641 | ▲0.044 | ▲0.159 |
| Operating Cash Flow Ratio | 0.086 | ▲0.010 | ▲0.031 |
| Operating Cash Flow Sales Ratio | 0.258 | ▲0.018 | ▲0.085 |
| Free Cash Flow Operating Cash Flow Ratio | 0.992 | ▲0.109 | ▼-0.107 |
| Debt Service Coverage Ratio | 0.771 | ▲0.203 | ▲0.189 |
| Interest Coverage Ratio | 0.674 | ▲5.017 | ▲13.842 |
| Short Term Operating Cash Flow Coverage Ratio | 3.132 | ▲1.489 | ▲1.947 |
| Operating Cash Flow Coverage Ratio | 0.224 | ▲0.027 | ▲0.065 |
| Capital Expenditure Coverage Ratio | 127.709 | ▲119.150 | ▲96.815 |
| Dividend Paid And Capex Coverage Ratio | 127.709 | ▲119.150 | ▲96.815 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 35.592 | ▼-3.594 | ▲43.880 |
Key metrics
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Market cap | $3.61B | $4.79B | $5.60B | $12.38B | $11.19B | |
| Enterprise value | $4.48B | $5.42B | $5.59B | $12.68B | $11.45B | |
| EV / Sales | 2.71x | 3.71x | 4.34x | 11.98x | 17.83x | |
| EV / Op. cash flow | 10.52x | 15.47x | 20.07x | 67.52x | -632.62x | |
| EV / Free cash flow | 10.60x | 17.52x | 21.69x | 80.98x | -339.35x | |
| EV / EBITDA | 35.59x | 39.19x | 58.26x | -123.64x | -50.84x | |
| Net debt / EBITDA | 6.88x | 4.57x | -0.10x | -2.88x | -1.15x | |
| Current ratio | 1.51x | 1.58x | 1.55x | 1.78x | 1.84x | |
| Income quality | -37.88x | 14.73x | -9.65x | -0.84x | 0.06x | |
| Graham number | — | $14 | — | — | — | |
| Graham net-net | -$41 | -$32 | -$27 | -$8 | -$7 | |
| Tax burden | 111.0% | 78.3% | 109.7% | 100.4% | 98.7% | |
| Interest burden | -108.9% | 62.1% | 368.8% | 107.3% | 102.9% | |
| Working capital | $2.51B | $2.65B | $2.25B | $2.92B | $2.87B | |
| Invested capital | $5.26B | $5.44B | $5.08B | $5.83B | $5.80B | |
| Return on assets | -0.1% | 0.2% | -0.3% | -2.3% | -3.5% | |
| Operating ROA | 0.2% | -0.8% | -1.9% | -3.1% | -4.2% | |
| Return on tangible assets | -0.1% | 0.3% | -0.4% | -3.3% | -5.1% | |
| Return on equity | -0.3% | 0.6% | -0.7% | -5.5% | -8.1% | |
| Return on invested capital | 0.3% | -1.1% | -3.4% | -4.9% | -5.3% | |
| Return on capital employed | 0.3% | -1.5% | -3.4% | -5.0% | -5.4% | |
| Earnings yield | -0.3% | 0.5% | -0.5% | -1.8% | -2.9% | |
| Free cash flow yield | 11.7% | 6.5% | 4.6% | 1.3% | -0.3% | |
| Capex / Op. cash flow | 0.8% | 11.7% | 7.5% | 16.6% | -86.4% | |
| Capex / Depreciation | 4.0% | 45.8% | 20.3% | 32.6% | 17.9% | |
| Capex / Sales | 0.2% | 2.8% | 1.6% | 2.9% | 2.4% | |
| SG&A / Sales | 55.4% | 56.5% | 58.6% | 75.3% | 85.4% | |
| R&D / Sales | 18.2% | 23.3% | 26.1% | 29.7% | 34.2% | |
| Stock comp / Sales | 0.0% | 16.6% | 19.3% | 29.6% | 30.7% | |
| Intangibles / Total assets | 25.0% | 26.0% | 29.2% | 28.6% | 30.2% | |
| Days sales outstanding | 190d | 179d | 205d | 168d | 159d | |
| Days payables outstanding | 11d | 22d | 12d | 16d | 25d | |
| Operating cycle | 190d | 179d | 205d | 6483d | 8070d | |
| Cash conversion cycle | 179d | 157d | 194d | 6467d | 8045d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-07 BILL vs. FFIV: Which Stock Is the Better Value Option? Investors interested in Internet - Software stocks are likely familiar with BILL Holdings (BILL) and F5 Networks (FFIV). But which of these two stocks presents investors with the better value opportunity right now?
- 2026-09-07 Insider Selling: BILL (NYSE:BILL) CEO Sells $2,119,582.16 in Stock BILL Holdings, Inc. (NYSE: BILL - Get Free Report) CEO Rene Lacerte sold 42,248 shares of the firm''s stock in a transaction on Thursday, September 3rd. The stock was sold at an average price of $50.17, for a total value of $2,119,582.16. Following the sale, the chief executive officer directly owned 163,125 shares of the company''s
- 2026-09-04 4 Stocks Trading Near 52-Week High With Room to Rise Further Investors target stocks that have been on a bullish run. Stocks like PRAA, CNC, BILL and PARR are seeing price strength, and the momentum is likely to continue.
- 2026-09-02 BILL to Participate in Upcoming Investor Conference SAN JOSE, Calif.--(BUSINESS WIRE)--BILL (NYSE: BILL), the financial operations platform trusted by nearly half a million businesses to manage, move and maximize their money, announced today its participation in the Goldman Sachs Communacopia + Technology Conference in San Francisco on Thursday, September 10, 2026 at 3:05 p.m. PDT. A live webcast of the event will be accessible at https://investor.bill.com. Webcast replays can be accessed from BILL''s Investor Relations website for approximately.
- 2026-09-01 Here''s Why BILL Holdings (BILL) is a Strong Momentum Stock Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
- 2026-08-31 BILL Holdings (BILL)''s Technical Outlook is Bright After Key Golden Cross After reaching an important support level, BILL Holdings, Inc. (BILL) could be a good stock pick from a technical perspective. BILL recently experienced a "golden cross" event, which saw its 50-day simple moving average breaking out above its 200-day simple moving average.
- 2026-08-31 Bill.com''s $1 Billion Buyback Is a Big Vote of Confidence The platform turned a profit in fiscal 2025 through disciplined cost management. Revenue growth has decelerated significantly compared to the company''s historical hyper-growth phase.
- 2026-08-31 Looking for Earnings Beat? Buy These 5 Top-Ranked Stocks Top-ranked stocks ALL, W, BILL, TWLO and CRBU are likely to beat on the bottom line in their upcoming releases.
- 2026-08-28 Can BILL Holdings (BILL) Run Higher on Rising Earnings Estimates? BILL Holdings (BILL) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
- 2026-08-28 BILL Holdings: Good Progress, No Drama BILL Holdings delivered solid FY4Q 2026 results, exceeding guidance and consensus on revenue and EPS, with notable operating profitability improvement. BILL''s emerging AI moat leverages a massive proprietary financial data set and a unique 9 million-member network, supporting its competitive position and future growth. Share buybacks have reduced outstanding shares by 15 million, and BILL remains undervalued at 2.1x FY2027E revenue, with an updated price target of $86 (approximately 83% upside).