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BIBILL

Bill.com Holdings, Inc.

$BILL·$4.1B·Software - Application·Technology
$44.66+0.1%YTD-18.8%1Y-2.7%
Mentions · last 7 days
2026-07-10: 67 posts2026-07-11: 45 posts2026-07-12: 156 posts2026-07-13: 295 posts2026-07-14: 608 posts2026-07-15: 256 posts2026-07-16: 139 posts1,567+98%
Price updated 7m ago·X counts updated 15h ago
BIBILL
$BILLBill.com Holdings, Inc.
$44.66+0.07%1.6k posts+98%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $BILL, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersWinding up for a moveAI verdict · as of 2026-07-16

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

SMB accounts-payable platform quietly compounding — value-growth combo hidden by leadership churn narrative.

Bill.com runs the accounts-payable and expense-management software small and mid-sized businesses use to pay their bills and manage cash flow — a modern replacement for stacks of paper invoices. The company has been through leadership changes but the underlying business is quietly compounding, and the tape is starting to catch on.

  • Revenue grew 13% YoY to $358M last quarter — modest for a SaaS name but the mix shift toward higher-take-rate services (float income, virtual cards) is what actually drives forward earnings.
  • Trades at ~22,000x TTM earnings because trailing EPS is essentially zero — the more useful number is a 10.7% free cash flow yield, which is one of the best in mid-cap software and shows the operating leverage is real.
  • The May 26 leadership changes (Rettig transitioning from COO to CSTO, plus CTO Moss departing) look like a normal reshuffle, and the June 25 CRO hire (Jonathan Leaf) suggests management is investing in growth execution rather than defense.
  • Wall Street estimates are moving north with 36% consensus upside per the recent coverage — value-focused SMB-fintech growth is a rare combination in the market right now.
  • 52-week position 39th percentile with today's +7.9% move on no visible news — the tape is starting to price the value + growth combo the sell-side has been highlighting.

August 26 Q4 earnings is the setup: revenue growth held above 12% plus operating margin improvement is what confirms the compounder thesis; a soft Q1 guide or take-rate compression is where the 39th percentile position stays range-bound. Real fundamental business hiding inside a leadership-change narrative — the tape is finally starting to pay attention.

What to watch: Aug 26 Q4 earnings — need revenue growth held above 12% and operating margin expansion. A soft Q1 guide or take-rate compression is where the 39th percentile position stays range-bound.

On the calendar: 2026-08-26 — Q4 earnings

sentiment ticker mismatch

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment10 posts analyzed · as of 2026-07-15

$BILL ticker chatter is entirely non-equity: a mix of Bold and Beautiful TV-show references ('Bill annihilated Ridge today'), a $BILL memecoin/token discussion with community members holding 130k+ tokens staked 6 months, and the Billions Network trading campaign on Cede Hub with @krakenpro (500,000 BILL prize pool). Very little actual Bill.com equity discussion. No coherent bull/bear thesis for the equity present.

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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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 — platforms where agents expand contract value (ServiceNow, Snowflake) are re-rated upward, while tools where agents substitute human users (Adobe Creative..

What this means for $BILL

Partial — Cloud platform automating accounts payable and receivable for SMBs, with embedded payments and spend management tools; the AI agent bifurcation — contract expansion vs. user substitution is a secondary rather than primary near-term earnings catalyst.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-12.0%YTD
-14.7%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
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%
Q2 2025Aug 27, 2025$0.53$0.41+29.3%
Next earningsWed, Aug 26·consensus EPS $0.69

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$1.9B$1.8B – $1.9B$3.34$2.92 – $3.7018
FY28$2.1B$2.1B – $2.1B$4.19$3.31 – $5.4612
FY29$2.4B$2.3B – $2.5B$5.67$5.47 – $5.8910
FY30$3.2B$3.1B – $3.3B$7.41$7.14 – $7.706

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.0.9×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.51%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.+19.8%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.+0.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β1.185-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

SellMay 29Michael CieriChief Product Officer32.9K sh$1.2M
+ 16 other (8 exempts · 8 inkinds) 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

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.

8-KOfficer or director changeMar 168-K — Item 5.02: Officer or director change
8-KOfficer or director changeJan 268-K — Item 5.02: Officer or director change
+ 5 other (2 10-Qs · 2 13Gs · 1 earnings 8-K) in window

Recent news

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

BILL vs. BRZE: Which Stock Should Value Investors Buy Now?zacks.com·8d agoEarnings Estimates Rising for BILL Holdings (BILL): Will It Gain?zacks.com·15d agoWall Street Analysts See a 36.1% Upside in BILL Holdings (BILL): Can the Stock Really Move This High?zacks.com·15d ago14 value stocks of companies primed for rapid growth through 2028marketwatch.com·16d agoBILL Names Jonathan Leaf as Chief Revenue Officer to Accelerate Growth and Elevate Customer Experiencebusinesswire.com·22d ago

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