Stocktoria
BILL Holdings, Inc. BILL
BILL Holdings, Inc. (BILL) earns a Piotroski F-score of 7/9 (strong financial health), with an Altman Z″ in the grey zone. It does not currently pay a dividend. FY2025 revenue was $1.7B at a -0.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.76 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-22 | TD Cowen | Buy (init) |
| 2026-06-10 | Truist Securities | Hold (down) |
| 2026-06-05 | JP Morgan | Overweight (main) |
| 2026-05-19 | Truist Securities | Buy (main) |
| 2026-05-12 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-05-11 | Goldman Sachs | Buy (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Services · percentile among 1013 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · grey zone
| Component | Value |
|---|---|
| Working capital / assets | 0.263 |
| Retained earnings / assets | -0.15 |
| EBIT / assets | -0.008 |
| Equity / liabilities | 0.636 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| BILL | BILL Holdings, Inc. | 7/9 | 1.85 | — | +13% |
| TDC | TERADATA CORP /DE/ | 7/9 | -2.88 | 23.8 | -5% |
| ESTC | Elastic N.V. | 5/9 | 1.59 | 15.9 | +17.3% |
| ACIW | ACI WORLDWIDE, INC. | 7/9 | 4.45 | 22.1 | +10.4% |
| PCTY | Paylocity Holding Corp | 8/9 | 2.15 | 21.1 | +11% |
| YMM | Full Truck Alliance Co. Ltd. | 4/9 | 17.05 | — | +16% |
| BSY | BENTLEY SYSTEMS INC | 9/9 | 0.4 | 32.8 | +11% |
About BILL Holdings, Inc.
BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. 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.
FAQ
Is BILL financially healthy?
BILL Holdings, Inc.'s Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.
Does BILL pay a dividend?
No, BILL Holdings, Inc. does not currently pay a dividend.
How profitable is BILL?
In FY2025, BILL Holdings, Inc. had a net margin of -0.7% and a return on equity of -0.3%.
What is the analyst price target for BILL?
The average Wall-Street price target for BILL Holdings, Inc. is $53.77, about 21.5% above the recent price, from 22 analysts (consensus: buy).
Is BILL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on BILL Holdings, Inc.: a Piotroski F-score of 7/9, an Altman Z″ in the grey zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.