ScoreWhy is Bill Holdings, Inc. ?
1
The company has declared negative results in Mar'2025 after 8 consecutive positive quarters
- NET PROFIT(Q) At USD -7.07 MM has Fallen at -136.83%
- DEBT-EQUITY RATIO (HY) Highest at -13.65 %
- DEBTORS TURNOVER RATIO(HY) Lowest at 1.98 times
2
With ROE of -0.32%, it has a attractive valuation with a 1.21 Price to Book Value
- Over the past year, while the stock has generated a return of -38.87%, its profits have risen by 78.8%
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -38.87% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bill Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Software Products should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bill Holdings, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bill Holdings, Inc.
-13.83%
0.09
61.47%
S&P 500
16.06%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
53.25%
EBIT Growth (5y)
-20.57%
EBIT to Interest (avg)
-11.42
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
-0.14
Sales to Capital Employed (avg)
0.25
Tax Ratio
6.34%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.96
EV to EBIT
-38.75
EV to EBITDA
145.27
EV to Capital Employed
0.96
EV to Sales
2.02
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-2.47%
ROE (Latest)
-0.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 415.84 MM
OPERATING PROFIT(Q)
Highest at USD 71.59 MM
OPERATING PROFIT MARGIN(Q)
Highest at 16.41 %
RAW MATERIAL COST(Y)
Fallen by 0.09% (YoY
NET SALES(Q)
Highest at USD 436.19 MM
PRE-TAX PROFIT(Q)
Highest at USD 56.54 MM
NET PROFIT(Q)
Highest at USD 58.09 MM
-7What is not working for the Company
INTEREST(HY)
At USD 12.44 MM has Grown at 35.78%
DEBT-EQUITY RATIO
(HY)
Highest at -5.03 %
EPS(Q)
Lowest at USD -0.19
Here's what is working for Bill Holdings, Inc.
Pre-Tax Profit
At USD 56.54 MM has Grown at 1,941.76%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 58.09 MM has Grown at 921.22%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 415.84 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 71.59 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 16.41 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Sales
Highest at USD 436.19 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 56.54 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 58.09 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Raw Material Cost
Fallen by 0.09% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Bill Holdings, Inc.
Interest
At USD 12.44 MM has Grown at 35.78%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at -5.03 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
EPS
Lowest at USD -0.19
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
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