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.
-24.94%
0.09
61.47%
S&P 500
13.68%
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
1.03
EV to EBIT
-41.92
EV to EBITDA
157.17
EV to Capital Employed
1.03
EV to Sales
2.18
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
Bullish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 385.53 MM
NET SALES(Q)
Highest at USD 414.67 MM
OPERATING PROFIT(Q)
Highest at USD 17.73 MM
OPERATING PROFIT MARGIN(Q)
Highest at 4.27 %
PRE-TAX PROFIT(Q)
At USD -1.65 MM has Grown at 75.96%
NET PROFIT(Q)
At USD -2.18 MM has Grown at 68.33%
EPS(Q)
Highest at USD -0.03
-8What is not working for the Company
NET PROFIT(9M)
At USD -3.34 MM has Grown at -253.73%
INTEREST(HY)
At USD 13.43 MM has Grown at 42.83%
DEBT-EQUITY RATIO
(HY)
Highest at -12.63 %
Here's what is working for Bill Holdings, Inc.
Operating Cash Flow
Highest at USD 385.53 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)
Net Sales
Highest at USD 414.67 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 17.73 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 4.27 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At USD -1.65 MM has Grown at 75.96%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD -2.18 MM has Grown at 68.33%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD -0.03
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
Highest at USD 35.39 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 35.39 MM has Grown at 50.53%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Bill Holdings, Inc.
Interest
At USD 13.43 MM has Grown at 42.83%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at -12.63 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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