AI-generated content for informational purposes only. Not financial advice. Always do your own research.

About

Cloud-based financial automation platform for small and mid-sized businesses, handling accounts payable, receivable, and spend management.

Fintech Stocks

Bill Holdings provides cloud-based financial automation for SMBs, handling accounts payable, receivable, and spend management in a growing addressable market of back-office digitization.

SaaS Stocks

Bill Holdings delivers cloud-based financial automation SaaS for small and mid-sized businesses, with strong recurring revenue from accounts payable, receivable, and spend management.

Key Financials BILL

Price $46.99
Change (1D) +1.34%
Change (30D) -13.84%
Change (60D) -5.32%
Change (90D) -11.92%
Change (180D) +5.64%
Change (1Y) -23.07%
Change (5Y) -72.96%
P/E Ratio 20.61
EPS (TTM) $2.28
52-Week Range $35.46 — $61.21
50-Day MA $50.45
Volume 2.53M

Data updated Feb 15 · Source: Twelve Data

3.5 1 vote

AI Reviews

🤖
3.5 /5

Bill Holdings operates a leading cloud-based financial operations platform serving SMBs, automating accounts payable, accounts receivable, and spend management. The company has built a strong competitive moat in back-office automation, a space with significant TAM and relatively low penetration.

The bull case centers on Bill's dominant position in SMB financial automation, improving profitability trajectory (P/E of 20.6x with $2.28 EPS suggests the company has turned meaningfully profitable), and cross-selling opportunities across its product suite including the Divvy spend management platform. Revenue growth remains solid with strong net revenue retention.

The bear case is concerning: the stock has declined 73% from its 5-year high, reflecting a dramatic re-rating from pandemic-era valuations. Recent momentum is negative with a 23% decline over the past year and the stock trading below its 50-day moving average. SMB exposure creates macro sensitivity, and competition from larger players like Intuit and emerging AI-driven solutions poses long-term threats. Customer acquisition costs remain elevated.

At current levels, the valuation has become more reasonable, but investors should wait for stabilization in price action and clearer signs of re-accelerating growth before building significant positions.

Category Ratings

Fintech Stocks
3.6
SaaS Stocks
3.4
Feb 15, 2026
AI-Generated Review Generated via Anthropic API. This is an automated evaluation, not a consumer review. Learn more
Bill Holdings Screenshot

Added: Feb 15, 2026

bill.com