BILL Holdings, Inc. (BILL) Stock Price & Analysis

BILL Holdings, Inc. (BILL) closed at USD 50.67 on Thursday, October 22, 2026, up 3.39% on the day. The US market is currently closed (pre-market); this is not a live price.

The prior close was USD 49.01; the Oct 22, 2026 session ranged USD 49.35–50.69 on volume of 1,756,114 shares. Market capitalization is $4.32B, with a 52-week range of USD 31.41–57.21 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 10:06 UTC.

Also available as compact Markdown for AI agents: nexqual.com/BILL.md

Key facts (BILL)

• Last four reported quarters (through Jun 30, 2026): revenue $1.65B, net income -$11.2M (-0.7% margin), free cash flow $412M (SEC filings).
• Insider open-market sales, last ~7 months: 4 Form 4 filings, $15.9M; 0 not under a Rule 10b5-1 plan ($0K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 2.27 on a 1–5 scale) (22 analysts), mean target USD 57.15 (range 43–75).
• Total return with dividends: 1Y -0.2% vs S&P 500 +14.9%; 5Y -83.2% vs S&P 500 +80.3%.
• Next earnings: 2026-11-05, EPS estimate USD 0.98, revenue estimate $433M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (BILL)

Fiscal years end Jun. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (BILL)

P/S 2.6x · EV/Sales 2.5x · P/FCF 10.5x · P/B 1.2x · FCF yield 9.55% · Earnings yield -0.26% · Buyback yield (TTM) 12.97% · Net cash $101M · EV $4.22B

P/E at fiscal year-ends: Jun 2025 202.0x.

Insider sales (SEC Form 4, open-market, last ~7 months) (BILL)

4 of 4 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (BILL)

Consensus Buy (mean 2.27 on a 1–5 scale), 22 analysts; mean target USD 57.15 (low 43, high 75).

Rating changes, last 120 days:

Total return (dividends reinvested) (BILL)

BILL revenue by product line (quarter ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

BILL suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Aug 20, 2026.

BILL customer concentration

In the period ended Sep 30, 2025, a single direct customer accounted for 10% of revenue, per the company's 10-Q filed Nov 7, 2025. The company does not name it.

BILL company outlook (results filed Aug 19, 2026)

• “We are providing the following guidance for the fiscal first quarter ending September 30, 2026 and the full fiscal year ending June 30, 2027.”
• “This quarter, we are additionally providing guidance for our rewards expense for the fiscal first quarter ending September 30, 2026 and the fiscal year ending June 30, 2027.”
• “We are providing such guidance in anticipation of a planned voluntary change in our revenue presentation, beginning with our quarterly report for the fiscal quarter ending September 30, 2026, pursuant to which we will net rewards expense directly from core revenue (and total revenue) rather than recording it as an operating expense under sales and marketing.”

Quoted word-for-word from the SEC 8-K results press release.

BILL analyst estimates and revisions

BILL options: expected move

Options price a move of about ±11.4% (±$5.80) by Nov 6, 2026, which includes earnings on Nov 5, 2026; the earnings reaction alone is priced at about ±8.5%. Over the last 8 reports the stock moved ±16.3% on average.

30-day implied volatility 63.1% vs 43.5% realized over the last 30 trading days. Put/call ratio (volume) 0.37. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 23, 2026 at 10:06 UTC)

Technical Analysis (BILL)

Nexqual's technical model rates BILL "BUY" based on 5 bullish and 2 bearish signals across 127 daily candles, as of October 23, 2026 at 10:06 UTC.

Analyst Ratings (BILL)

Wall Street analysts rate BILL "Buy" based on 22 analysts, with a mean price target of USD 57.15 (range USD 43–75), per Nexqual as of October 23, 2026 at 10:06 UTC.

Earnings (BILL)

Recent Earnings History

Source: Nexqual, October 23, 2026 at 10:06 UTC.

Financials & Fundamentals (BILL)

Source: Nexqual, October 23, 2026 at 10:06 UTC.

Financial Health Score (BILL)

Nexqual rates BILL Holdings, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 10:06 UTC.

Ownership (BILL)

Source: Nexqual, October 23, 2026 at 10:06 UTC.

Leadership (BILL)

BILL Holdings, Inc. is led by Rene A. Lacerte, Founder, CEO & Chairperson of the Board, per Nexqual as of October 23, 2026 at 10:06 UTC.

Major Backers & Investors (BILL)

Notable institutional backers of BILL Holdings, Inc. include ER Collective Holdings, LLC, Starboard Value LP, Ameriprise Financial, Inc., according to Nexqual as of October 23, 2026 at 10:06 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 23, 2026 at 10:06 UTC.

From BILL Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-08-20)

Key Strengths & Strategy (as disclosed to the SEC)

• Our recently-announced partnerships with Paychex, Oracle NetSuite, and Acumatica exemplify this approach, as each of these partners' customers are able to utilize some or all of our platform's capabilities.
• Our integrated platform also includes BILL Spend and Expense, our spend and expense management product, which provides a solution for businesses to have charge cards, build and monitor budgets, manage payments, and eliminate the need for manual expense reports.
• Our integrated platform enables businesses using our solutions to navigate our product offerings easily, and to gain more visibility and control, empowering them to better manage their finances.
• As a Money Services Business and a licensed money transmitter we are subject to U.S. anti-money laundering (AML) laws and regulations, including under the Bank Secrecy Act, as amended (BSA), and similar U.S. state laws and regulations, and as a Foreign Money Service Business (MSB) in Canada we are subject to various AML laws and regulations in Canada.

Partnerships

• While these partners sometimes require an initial integration investment, a go-to-market flywheel takes effect as our partners accelerate the delivery of our platform across their customer base with minimal incremental investment from us.

Legal & Regulatory Risks (Item 1A, quoted)

• Our business is subject to extensive government regulation and oversight. Our failure to comply with extensive, complex, overlapping, and frequently changing rules, regulations, and legal interpretations could materially harm our business.
• Our success and increased visibility may result in increased regulatory oversight and enforcement and more restrictive rules and regulations that apply to our business.
• The complexity of U.S. federal and state regulatory and enforcement regimes, coupled with the scope of our international operations and the evolving regulatory environment, could result in a single event giving rise to many overlapping investigations and legal and regulatory proceedings by multiple government authorities in different jurisdictions.
• The scope and interpretation of the laws that are or may be applicable to us are often uncertain and may be conflicting as a result of the rapidly evolving regulatory framework for privacy issues worldwide.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 10:06 UTC. This page is informational and not investment advice.

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