Bill Holdings, Inc.

Technology
EDP Services
www.bill.com

Moat Score

Market Cap $4.64B
PE 57
Debt $1.71B
Cash $1.57B
EV $4.79B
FCF -

Earnings

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Sales & Net Margins

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Earnings	$81.86M
EBIT	$83.55M
ROE	2%
ROA	1%
Equity	$3.81B
Growth Stability	1
PE	56.67
PB	1.22
P/S	3.34
Price/Cash	0.34
Debt/Equity	0.45
Net Margins	6%
Gross Margins	82%
Op. Margins	6%
Sales Growth YoY	14%
Sales Growth QoQ	1%
Sales CAGR	71%
FCF CAGR	7%
Equity CAGR	56%
Earnings Growth YoY	-183%
Earnings Growth QoQ	276%
Sales CAGR 5Y	73%

FCF CAGR 5Y	22%
Equity CAGR 5Y	52%
Earnings CAGR 3Y	39%
Sales CAGR 3Y	39%
FCF CAGR 3Y	108%
Equity CAGR 3Y	-1%
Market Cap	$4.64B
Revenue	$1.39B
Assets	$9.67B
Total Debt	$1.71B
Cash	$1.57B
Shares Outstanding	103.1M
EV	4.79B
Moat Score	40%
Working Capital	2.72B
Current Ratio	1.66
Gross Profit	$1.14B
Shares Growth 3y	1%
Equity Growth QoQ	-5%
Equity Growth YoY	-4%

Assets & ROA

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Stockholders Equity & ROE

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Bill.com Holdings Inc is a provider of cloud-based software which automates complex back-office financial operations for SMBs. Its artificial-intelligence enabled financial software platform used mostly to build connections between customers, suppliers, and clients. The company's platform generates and process invoices, streamline approvals, send and receive payments, sync with their accounting system, and manage their cash. The firm generates revenue through subscription and transaction fees.

SEC Filings

Direct access to Bill Holdings, Inc. (BILL) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Dec 31
- 10-Q Sep 30
- 10-K Jun 30
- 10-Q Mar 31
2023
- 10-Q Dec 31
- 10-Q Sep 30
- 10-K Jun 30
- 10-Q Mar 31
2022
- 10-Q Dec 31
- 10-Q Sep 30
- 10-K Jun 30
- 10-Q Mar 31

Sector Comparison

How does Bill Holdings, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Bill Holdings, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Bill Holdings, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Bill Holdings, Inc..

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	06/2018	06/2019	06/2020	06/2021	06/2022	06/2023	06/2024	TTM
Net Margins	-11%	-7%	-20%	-41%	-51%	-21%	-2%	6%
ROA	-	-0%	-1%	-2%	-3%	-2%	-0%	1%
ROE	-	7%	-4%	-4%	-8%	-5%	-1%	2%

Bad Net Margins (5.89%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	06/2018	06/2019	06/2020	06/2021	06/2022	06/2023	06/2024	TTM
Debt over FCF	-	-	-	-85.97	-76.69	10.21	3.29	-
Debt over Equity	-	-	-	0.49	0.45	0.45	0.22	0.45
Growth Stability	-	-	-	-	-	-	-	1

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (0.45)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	06/2018	06/2019	06/2020	06/2021	06/2022	06/2023	06/2024	CAGR 5Y
Revenue YoY growth	-	67%	45%	51%	169%	65%	22%	73%
Earnings YoY growth	-	2%	325%	218%	231%	-31%	-87%	-
Equity YoY growth	-	1%	-792%	256%	60%	1%	1%	52%
FCF YoY growth	-	-31%	137%	-10%	64%	-868%	54%	22%