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 buy?
- 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.
-26.1%
0.09
61.47%
S&P 500
20.78%
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 Trend27What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 388.67 MM
OPERATING PROFIT(Q)
Highest at USD 33.03 MM
OPERATING PROFIT MARGIN(Q)
Highest at 8.12 %
RAW MATERIAL COST(Y)
Fallen by 0.75% (YoY
PRE-TAX PROFIT(Q)
Highest at USD 19.82 MM
NET PROFIT(Q)
Highest at USD 17.15 MM
EPS(Q)
Highest at USD 0.12
-6What is not working for the Company
INTEREST(HY)
At USD 12.89 MM has Grown at 36.94%
DEBT-EQUITY RATIO
(HY)
Highest at -10.46 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 1.97 times
Here's what is working for Bill Holdings, Inc.
Pre-Tax Profit
At USD 19.82 MM has Grown at 292.49%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 17.15 MM has Grown at 247.99%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 388.67 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 33.03 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 8.12 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 19.82 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 17.15 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.12
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by 0.75% (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 12.89 MM has Grown at 36.94%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at -10.46 %
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
Debtors Turnover Ratio
Lowest at 1.97 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
Non Operating Income
Highest at USD 1.45 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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