BILL NYSE
Bill.com Holdings, Inc.
1W: +9.3%
1M: +12.8%
3M: +7.7%
YTD: -1.3%
1Y: -1.7%
3Y: -51.3%
5Y: -83.1%
$49.41
-0.52 (-1.04%)
After Hours: $48.98 (-0.43, -0.88%)
Weekly Expected Move ±6.6%
$44
$47
$51
$54
$57
Credit Risk of going bust: higher than 72% of companies Debt: 30.8% of company value Bonds: $91.9M held by 27 funds → details ▾
Of US companies ranked in the third-riskiest tenth, about 1 in 140 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $2.44 (down 95%), Bill.com Holdings, Inc. would be worth roughly what it owes.
Total debt $1.90B against a stock market value of $4.26B.
Distance to default 3.25 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $992.5M (short-term plus half of long-term), stock volatility 59.5%; Altman Z'' 1.51. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
If the stock fell to about $2.44 (down 95%), Bill.com Holdings, Inc. would be worth roughly what it owes.
Total debt $1.90B against a stock market value of $4.26B.
Distance to default 3.25 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $992.5M (short-term plus half of long-term), stock volatility 59.5%; Altman Z'' 1.51. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
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Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$1.7B
+13.0% ▲
5Y CAGR: +47.3%
Gross Profit
$1.3B
+12.4% ▲
5Y CAGR: +50.0%
Operating Income
$17M
+121.6% ▲
Net Income
-$11M
-147.2% ▼
EPS (Diluted)
$-0.11
-147.8% ▼
EBITDA
$126M
-9.1% ▼
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|
| Revenue | $642M | $1.1B | $1.3B | $1.5B | $1.7B |
| YoY Growth | +169.4% | +64.9% | +21.9% | +13.4% | +13.0% |
| Cost of Revenue | $145M | $194M | $235M | $272M | $315M |
| Gross Profit | $497M | $864M | $1.1B | $1.2B | $1.3B |
| Gross Margin | 77.4% | 81.7% | 81.8% | 81.4% | 80.9% |
| R&D Expenses | $220M | $315M | $337M | $340M | $301M |
| SG&A Expenses | $548M | $797M | $756M | $826M | $916M |
| Operating Expenses | $814M | $1.2B | $1.2B | $1.3B | $1.3B |
| Operating Income | -$317M | -$296M | -$174M | -$81M | $17M |
| Operating Margin | -49.4% | -27.9% | -13.5% | -5.5% | 1.1% |
| Interest Expense | $9M | $15M | $19M | $19M | $26M |
| Income Before Tax | -$331M | -$223M | -$26M | $30M | -$10M |
| Tax Expense | -$4M | $808K | $3M | $7M | $1M |
| Net Income | -$326M | -$224M | -$29M | $24M | -$11M |
| Net Margin | -50.8% | -21.1% | -2.2% | 1.6% | -0.7% |
| EPS (Diluted) | $-3.21 | $-2.11 | $-0.27 | $0.23 | $-0.11 |
| EBITDA | -$225M | -$103M | $96M | $138M | $126M |
| Shares Outstanding | 102M | 106M | 106M | 104M | 100M |