Bill.com Holdings, Inc. (BILL) AI Stock Analysis

Bill.com Holdings, Inc. specializes in cloud-based software solutions that streamline and automate back-office financial operations for small and midsize businesses across the globe. Its software-as-a-service and cloud products simplify accounts payable and accounts receivable processes. These tools enable users to digitize financial transactions, improve connectivity with suppliers and customers, streamline expense reporting, optimize cash flow management, and boost overall office efficiency. Headquartered in San Jose, California, the company also provides onboarding, implementation support, and training services for accounting firms, financial institutions, and software companies seeking back-office automation and spend management solutions.

Between FY2021 and FY2026, Bill.com achieved a 5-year revenue CAGR of 47.3%. Annual revenue expanded from $642.0M in FY2022 to $1.65B in FY2026, representing 13.0% growth in the latest fiscal year. Operating margin improved from -49.4% in FY2022 to 1.1% in FY2026. Gross margin was 80.9% in FY2026, compared to 77.4% in FY2022. Net income shifted from -$326.4M in FY2022 to $23.8M in FY2025, before recording -$11.2M in FY2026. For the latest quarter ended June 30, 2026, quarterly revenue growth was 13.8% year-over-year, while trailing twelve months revenue stood at $1.65B with an operating margin of 9.7%.

As of June 30, 2026, Bill.com held $1.94B in cash and short-term investments against total debt of $1.90B, leaving net cash of $40.0M. Shareholders' equity was $3.53B out of $10.22B in total assets. The company reported a current ratio of 1.51 and a debt-to-equity ratio of 0.54. Operating cash flow reached $425.8M in FY2026. After capital expenditures of $3.3M, free cash flow stood at $422.4M. Capital allocation in FY2026 included $560.5M in share buybacks.

At a closing price of $45.60, Bill.com carries a market cap of $3.89B and an enterprise value of $3.86B. It trades at a forward P/E of 13.4x, below the 18.8x median of its US-listed Technology peers. Its price-to-sales multiple is 2.4x versus the peer median of 2.8x, while its EV-to-EBITDA stands at 30.7x compared to the peer median of 16.6x. Over the past year, BILL generated a return of -8.2%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, the stock recorded a return of -84.6% against an 83.0% return for the S&P 500.

Wall Street coverage includes 10 Strong Buy, 3 Buy, and 9 Hold ratings, with 0 Sell and 0 Strong Sell recommendations. The mean price target of $57.00 represents a 25.0% premium over the last close of $45.60. For the fiscal year ending June 30, 2027, consensus estimates forecast revenue of $1.83B and EPS of $3.73, reflecting 34.6% EPS growth. The company has beat EPS estimates in each of the last 4 quarters, with its next earnings date scheduled for November 5, 2026.

This page is an AI-written research summary of Bill.com Holdings, Inc. (BILL). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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