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BIBILL

Bill.com Holdings, Inc.

$BILL·$4.5B·Software - Application·Technology
$46.92+6.2%YTD-14.7%1Y-4.8%
Price updated 11h ago·X counts updated 4d ago
BIBILL
$BILLBill.com Holdings, Inc.
$46.92+6.20%143 posts1.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $BILL on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

143X posts · last 7 days
Sep 28Oct 11
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $BILL's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 86% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-14

The $BILL cashtag here is a Solana memecoin/character meme (Solana's official X account rotated to it), not Bill.com — the community frames $BILL as a market-cap-return-to-$1M-by-Sep 15 target with fresh entry pitches and $BEN comparisons. Uniformly bullish inside a meme community; no equity content in the sample.

Read what X is saying about $BILL

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $BILL — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-10-02

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Bill.com is a mid-cap SMB fintech consolidating in mid-range — the X thread is a Solana memecoin, not this stock.

Bill.com Holdings runs the leading SMB accounts-payable and spend-management platform — Bill AP/AR, Divvy spend cards, and Invoice2go. The business is growing but barely profitable, and the stock has gone sideways-to-down.

  • Operations are modest: Q1 revenue +13.5% YoY at a slightly-negative operating margin — this is a profitable TAM but Bill.com has struggled to translate SMB platform growth into clean operating margin expansion.
  • 52-week range position is 48% with volume at 75% of average — mid-range consolidation with no clear direction, which fits the fundamental setup where growth is okay but not clearly reaccelerating.
  • At PE 22,062x (TTM near-zero earnings) and 2.2x sales this is a stock that will reprice meaningfully on either direction once operating margins actually move.

Nov 5 Q3 is the gate — any revenue reacceleration past 15% plus a visible operating-margin inflection extends the move. Another in-line quarter and the stock just chops around $44.

What to watch: Nov 5 Q3 — total payment volume (TPV), take rate, operating-margin trajectory, and SMB customer-add cadence. A revenue deceleration or margin reversion is the clear invalidator.

On the calendar: 2026-11-05 — Q3 earnings

cashtag collision

Read the AI verdict on $BILL

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Cloud platform automating accounts payable and receivable for SMBs, with embedded payments and spend management tools.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Application sits in its cycle right now — and what that implies for $BILL.

Software - Application · Technology

No material change from last week — Adobe Q3 lifted guidance with triple-digit AI-first ARR, validating the AI upsell bifurcation: vendors embedding AI agents into core workflows (NOW, CRM, SAP, WDAY, TEAM, ADBE) are re-accelerating whi.

What this means for $BILL

Partial — Cloud platform automating accounts payable and receivable for SMBs, with embedded payments and spend management tools.; AI feature integration (Agentforce, AI Copilot) into core platform defends ARR while pricing for AI add-ons lifts ACV.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
+4.2%YTD
-3.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
22062.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-0.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-3.5%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
10.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
0.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
80.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 19, 2026$0.84$0.71+18.6%
Q1 2026May 7, 2026$0.68$0.55+23.6%
Q4 2025Feb 5, 2026$0.64$0.56+14.3%
Q3 2025Nov 6, 2025$0.61$0.51+19.1%
Next earningsThu, Nov 5·consensus EPS $0.98

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q3 FY26$406.6M+13.5%81.6%1.1%$0.12$128.5M
Q2 FY26$414.7M+14.4%79.8%-4.4%$-0.03$103.8M
Q1 FY26$395.7M+10.4%80.5%-5.2%$-0.03$82.3M
Q4 FY25$383.3M+11.5%80.8%-5.8%$-0.07$68.5M

Forward consensus

5-year forecast · up to 18 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.6B$1.6B – $1.7B$2.65$2.63 – $2.6618
FY27$1.8B$1.8B – $1.8B$3.76$3.71 – $3.7913
FY28$2.0B$2.0B – $2.1B$4.40$4.21 – $4.5712
FY29$2.2B$1.8B – $2.4B$5.40$4.14 – $6.326
FY30$2.5B$2.2B – $2.5B$6.64$5.79 – $6.893

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.60%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-0.2%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+9.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 75.5M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.3% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.145-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 3Rene A. LacerteCEO42.2K sh$2.1MSellSep 2Rene A. LacerteCEO215.0K sh$10.4MSellSep 1Rohini JainCFO33.5K sh$1.6MSellAug 31Michael CieriChief Product Officer10.8K sh$528KSellMay 29Michael CieriChief Product Officer29.4K sh$1.1M
+ 20 other (7 exempts · 7 inkinds · 6 awards) in window

See when $BILL insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsOct 23
AI summary

Jonathan Leaf, an insider at BILL Holdings, Inc. (BILL), filed an initial Form 3 on October 2, 2026 disclosing his beneficial ownership of BILL securities upon assuming a reportable insider position as required under Section 16(a). The filing is a standard administrative initial ownership statement; full share counts and any derivative positions appear in the form tables. No corporate equity event is implied by this filing.

3New insider — initial holdingsAug 313
AI summary

Jeffrey C. Smith of Starboard Value LP filed an initial Form 3 for BILL Holdings, Inc. as of August 20, 2026, reporting aggregate beneficial ownership of ~7.03M shares across Starboard funds (exceeding 10%), plus a forward purchase contract for 1,614,152 additional shares expiring December 21, 2026. The filing was triggered by a decrease in BILL's outstanding shares (not new purchases). Starboard remains a 10%+ activist-oriented investor in BILL with additional upside exposure through the forward contract.

3New insider — initial holdingsAug 313
AI summary

Starboard Value LP and affiliated entities filed a companion Form 3 for BILL Holdings, Inc. as of August 20, 2026 — the second of two identical joint Form 3 filings required because SEC rules cap joint filers at 10 per report. The same aggregate ~7.03M share position (>10%) and forward purchase contract for 1,614,152 shares are reported. No new ownership information; routine SEC procedural duplicate filing.

SC 13D/AActivist amendmentAug 24SC 13D/A
AI summary

Starboard Value LP (led by Jeffrey C. Smith) filed Amendment No. 3 to its Schedule 13D on BILL Holdings (BILL), disclosing a combined 10.1% stake of 8,639,900 shares (including 1,614,152 shares underlying forward purchase contracts exercisable within 60 days) across multiple Starboard funds. Olshan Frome Wolosky LLP represents the group; the filing date is August 20, 2026. Starboard's 10.1% stake and activist posture are material for BILL; Amendment No. 3 indicates ongoing engagement, and Starboard's history suggests continued pressure on operations, capital returns, or strategic alternatives.

8-K/AOfficer or director change (amended)Jun 178-K/A — Item 5.02: Officer or director change
AI summary

BILL Holdings, Inc. filed an 8-K/A (Amendment No. 1, Item 5.02) amending its May 22, 2026 officer/director change report. The amendment likely adds or corrects compensation disclosure for a departing or arriving executive. This is an administrative amendment to a prior personnel disclosure and is not financially material on its own.

8-KOfficer or director changeMay 268-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

BILL Holdings announced executive leadership changes effective May 26, 2026: President and COO John Rettig transitions to Chief Strategy and Transformation Officer; CTO Ken Moss and EVP & GM of Payments Mary Kay Bowman will depart June 30, 2026, both serving in advisory roles through June 30, 2027. The company simultaneously reaffirmed its previously issued FY2026 Q4 and full-year financial guidance. Significant leadership shuffle in tech and payments — two senior executives departing signals organizational restructuring; guidance reaffirmation limits near-term earnings risk.

8-KRestructuring / exit costsMay 78-K — Item 2.02: Earnings release · Item 2.05: Restructuring / exit costs · Item 7.01: Press release / Reg FD
AI summary

BILL reported third fiscal quarter ended March 31, 2026. A copy of financial results (8-K Item 2.02). Investors should review the full earnings press release and any management guidance for forward outlook.

+ 7 other (3 13Gs · 1 S-8 · 1 10-K · 1 earnings 8-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

BILL to Report Fiscal First Quarter 2027 Financial Resultsbusinesswire.com·3d ago3 Reasons Growth Investors Will Love BILL Holdings (BILL)zacks.com·3d agoWhy BILL Holdings (BILL) is Poised to Beat Earnings Estimates Againzacks.com·3d agoIs the Options Market Predicting a Spike in BILL Holdings Stock?zacks.com·4d agoBILL Holdings (BILL) is a Top-Ranked Growth Stock: Should You Buy?zacks.com·10d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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