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BILL · NYSE · United States · Services-Prepackaged Software
In shortBILL Holdings, Inc. is loss-making, generates cash and holds more cash than debt, with revenue growing (+13.0% last year).
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | -4.4% | 2/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -0.7% | 17/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -0.3% | 0/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | -1.1% | 0/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.51× | 59/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.52× | 82/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | Net cash | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | – | n/a |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 1.45 | 9/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 25.0% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 1 of 5 | 20/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 66.7% | 0/100 |
| Operating margin volatility | 18.8% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 16.0% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2026 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
4 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 642 | 1,058 | 1,290 | 1,463 | 1,653 |
| Cost of revenue | 145 | 194 | 235 | 272 | 315 |
| Gross profit | 497 | 864 | 1,056 | 1,190 | 1,338 |
| Research & development | 220 | 315 | 337 | 340 | 301 |
| Operating income | (317) | (296) | (174) | (81) | (73) |
| Interest expense | 9.4 | 15 | 19 | – | – |
| Pre-tax income | (331) | (223) | (26) | 30 | (10) |
| Income tax | (4.3) | 0.8 | 2.6 | 6.6 | 1.1 |
| Net income | (326) | (224) | (29) | 24 | (11) |
| Diluted EPS | −$3.21 | −$2.11 | −$0.27 | −$0.07 | −$0.11 |
| Diluted shares (millions) | 102 | 106 | 106 | 104 | 100 |
4 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of BILL Holdings, Inc. are included in the Investor plan. Try free for 7 days →
1.45 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
4/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 20, 2026