Bill Com Holdings Inc (BILL) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bill Com Holdings Inc stock $42.56, price $52.41, that is 18.8% below the price, quality 63 out of 100. Rating: overvalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $31.96 – $342.26 · fair‑value band $26.79 – $73.05 · the $52.41 price screens above the $42.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide.
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It provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable businesses to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve back-office efficiency.
The company also offers onboarding implementation support, and ongoing support and training services. In addition, the company's artificial intelligence enabled financial software platform provides connections between suppliers and clients.
It serves accounting firms, financial institutions, and software provider companies. The company was formerly known as Bill.com Holdings, Inc. and changed its name to BILL Holdings, Inc. in February 2023. BILL Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.
Stock analysis
Bill Com Holdings Inc (BILL) currently trades at $52.41, while our model-based Fair Value estimate is $42.56, 19% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $77.73 per share, and 4 of the 10 models we run sit above the $52.41 price.
Bear case: the Asset-Based group reads lowest at $8.71, and 6 of the 10 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $26.79 (bear) to $73.05 (bull), the price of $52.41 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bill Com Holdings Inc reported revenue of $1.7B in FY2026 versus $642M in FY2022, a compound +26.7%/yr. Reported net income was −$11.2M in FY2026.
Key figures
Market cap $5.2B Mid · P/E ratio 100.8 · P/S ratio 3.09 · EPS (TTM) $0.5200 · Net margin 3.1% · Return on equity 1.5% · Return on assets (EBIT) −1.8% (5-year average) · Operating margin 21.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat.
The share trades about 7% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at −19%, BILL screens richer than that median.
Fair Value models
Bear$26.79Fair Value $42.56Bull$73.05
Price $52.41 · Downside -18.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($0.1881 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 3 officers or directors sold shares worth $15.9M and none bought.
SaleRene A. LacerteCEO, Director257,243 shares at $48.71$12.5MSep 3, 202610b5-1 plan
SaleRohini JainChief Financial Officer33,470 shares at $47.91$1.6MSep 1, 202610b5-1 plan
SaleMichael CieriChief Product Officer2× since May 29, 2026: 43,629 shares, avg. $39.72$1.7MAug 31, 202610b5-1 plan
SaleGermaine CotaSVP, FINANCE & ACCOUNTING1,104 shares at $51.23$56,558Dec 2, 202510b5-1 plan
Plus 9 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+47.3%
Start year 2021 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+49.9%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−47.8% (2021) → 1.1% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+3.0%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −1.4% a year for the price and +0.6% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (100 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: The platform's AI-driven automation of tasks like invoice coding strengthens efficiency and non-GAAP profitability, yet weak net margins and thin evidence of lasting advantages leave it vulnerable to competition.
Main risk: Moderating transaction volumes and revenue growth could prevent AI cost savings from sustaining profitability gains and expose the fee-based model to volume pressure.
BILL is reorganizing its platform around AI agents that automate tasks like invoice coding, which is driving non-GAAP profitability higher even as management guides for slower revenue growth next year. Transaction activity remains the core engine, with payments volume tied directly to fees. Will the cost savings and efficiency from AI more than offset the moderating top-line expansion?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 628 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score63 · Above median
Fair Value upside−18.8% · Below median
Profitability
Return on equity (12 months)1.5% · Below median
Return on assets−0.1% · Below median
Net margin (12 months)3.1% · Below median
Operating margin (12 months)21.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−10.6% · Bottom 25%
Balance sheet
Debt / equity0.49× · Highest 25%
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (12 months)100.8× · Priciest 25%
P/B1.48× · Cheaper than median
P/S (12 months)3.09× · Pricier than median
Price / free cash flow (fiscal year)12.4× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Bill Com Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/BILL
Frequently asked questions
Is Bill Com Holdings Inc (BILL) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $42.56 versus a price of $52.41, about 19% lower (overvalued).
What is the fair value of BILL?
Our model-based fair value for Bill Com Holdings Inc is $42.56 (as of Nov 8, 2026), built from audited fundamentals. The current price: $52.41.
What is the quality score of BILL?
Bill Com Holdings Inc has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bill Com Holdings Inc (BILL)?
Our model-based price target is the fair value of $42.56 (as of Nov 8, 2026) from 10 valuation models. Cautious scenario $26.79, optimistic scenario $73.05. It is a calculation from audited fundamentals, not an analyst target.
What is the Bill Com Holdings Inc stock forecast for 2026?
Our models put fair value at $42.56, about 19% lower versus a price of $52.41 (overvalued). Cautious scenario $26.79, optimistic scenario $73.05. The calculation is refreshed regularly with new filings.
What is the revenue of Bill Com Holdings Inc (BILL)?
Bill Com Holdings Inc reported trailing-twelve-month revenue of about $1.7B (latest available figure, as of Nov 8, 2026).
What growth is priced into Bill Com Holdings Inc (BILL)?
For today's price to be fair in a discounted-cash-flow model, Bill Com Holdings Inc would have to grow free cash flow by +1.0 % per year for five years (discount rate 9.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +47.3 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of BILL use?
Our models discount Bill Com Holdings Inc at 9.9 %: a base by market capitalisation (mid), damped by beta 1.08, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bill Com Holdings Inc that is +1.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.9 %) and the same formula as our fair value.
How much growth has Bill Com Holdings Inc (BILL) delivered so far?
Over the past 5 years revenue at Bill Com Holdings Inc grew +47.3 % a year. The price currently implies free-cash-flow growth of +1.0 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bill Com Holdings Inc (BILL) growing?
The median revenue growth in the sector is +11.5 % a year. That is the yardstick for the growth priced into Bill Com Holdings Inc (+1.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bill Com Holdings Inc (BILL)?
The free-cash-flow yield on the price is 8.07 %: that much free cash flow Bill Com Holdings Inc produces per unit of market value. When it exceeds the discount rate of our models (9.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bill Com Holdings Inc (BILL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bill Com Holdings Inc it is $42.56 per share (as of Nov 8, 2026), against a price of $52.41. It is the blended result of 10 valuation models in 4 families (DCF Models, Multiples, Asset-Based, Growth DCF).
Is Bill Com Holdings Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BILL trades above its calculated fair value: price $52.41, fair value $42.56, a gap of about −19% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BILL?
No. The price is what the market pays today ($52.41); the fair value is what the company's own numbers justify ($42.56). For Bill Com Holdings Inc the two are $9.85 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bill Com Holdings Inc worth?
The market values Bill Com Holdings Inc at about $5.2B (market capitalisation, as of Nov 8, 2026). Per share that is $52.41; our models calculate a fair value of $42.56 per share.
What do the bullish and bearish scenarios say about BILL?
Our models span a range for Bill Com Holdings Inc: cautious scenario $26.79, base $42.56, optimistic $73.05 per share (as of Nov 8, 2026, price $52.41). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BILL?
Bill Com Holdings Inc trades at a price-to-earnings ratio of 100.8 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $42.56 is built from several models across several years. Other multiples: PEG 0.5, P/B 1.5, P/S 3.1, EV/EBITDA 31.2.
What is the PEG ratio of BILL?
The PEG ratio of Bill Com Holdings Inc is 0.47 (P/E divided by earnings growth, as of Nov 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Bill Com Holdings Inc (BILL)?
Balance-sheet figures for Bill Com Holdings Inc (as of Nov 8, 2026): return on equity 1.5%, debt of 0.49 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is BILL from its 52-week high?
Bill Com Holdings Inc trades at $52.41, about 7% below its 52-week high of $56.31 and 64% above the low of $31.96 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $42.56 is for.
Which stocks are comparable to Bill Com Holdings Inc?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bill Com Holdings Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $52.41, calculated fair value $42.56 (−19%), Quality Score 63/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BILL calculated?
We run Bill Com Holdings Inc through 10 models from 4 families: DCF Models, Multiples, Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of $42.56 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bill Com Holdings Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bill Com Holdings Inc (BILL)?
The closing price on Nov 6, 2026 was $52.41. Our model-based fair value is $42.56, about 19% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bill Com Holdings Inc right now?
The model range is unusually wide ($26.79 to $73.05). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Bill Com Holdings Inc
How large is the market capitalisation of Bill Com Holdings Inc (BILL)?
The market capitalisation of Bill Com Holdings Inc is $5.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bill Com Holdings Inc (BILL)?
The price-to-sales ratio of Bill Com Holdings Inc is 3.09 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bill Com Holdings Inc (BILL)?
Earnings per share at Bill Com Holdings Inc are $0.5200 (price ÷ EPS = P/E 100.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bill Com Holdings Inc (BILL)?
The net margin of Bill Com Holdings Inc is 3.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bill Com Holdings Inc (BILL)?
The return on equity (ROE) of Bill Com Holdings Inc is 1.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bill Com Holdings Inc (BILL)?
On an EBIT basis the return on assets of Bill Com Holdings Inc is −1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bill Com Holdings Inc (BILL)?
The operating margin of Bill Com Holdings Inc is 21.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bill Com Holdings Inc (BILL)?
Revenue at Bill Com Holdings Inc is growing −10.6% versus a year earlier (3y avg +16.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Bill Com Holdings Inc (BILL) carry?
The net debt of Bill Com Holdings Inc is $866M (fiscal year 2026, ≈ 2.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 8, 2026