Bill Holdings (BILL)
NYSEInformation TechnologySoftware - ApplicationSnapshot 2026-11-05
$50.89-1.89%
Close 2026-11-05 · 1-day change
NYSEInformation TechnologySoftware - ApplicationSnapshot 2026-11-05
QuarterlyIQ Insights · BILL
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.7% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 13.4% |
Growth built into the price is above our model estimate.
The price assumes 20.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 61 industry peers · Company calendar date is not available
BILL — officer change
Dated 2026-06-17
CFO — Mr. Moss: Mr. Moss and Ms. Bowman entered into separation agreements, marking their departure from active roles.
Why it matters: BILL named AI-native products as a key goal, but these results do not show AI revenue or adoption numbers.
Supportive ifBILL reports a new AI product measure, such as paid users or revenue, and that measure rises from its prior report.
Worry ifBILL reports no AI use or revenue measure in the next results, or says AI product use fell.
Why it matters: BILL set a $112.5 million floor for Q1 non-GAAP operating income. Missing it would weaken its margin progress claim.
Worry ifQ1 FY27 non-GAAP operating income is below $112.5 million.
Less concerning ifQ1 FY27 non-GAAP operating income is at least $112.5 million.
Why it matters: BILL guided to 11%–14% core revenue growth. A result below 11% would miss the low end of that range.
Worry ifQ1 FY27 core revenue growth is below 11%, or core revenue is below $398 million.
Less concerning ifQ1 FY27 core revenue growth is at least 11%, with core revenue of at least $398 million.
Why it matters: BILL changed how it reports card rewards. The change lowers reported revenue but does not change income or cash flow.
Watch forIn the September 2026 quarter, revenue brings in rewards. Reported core revenue meets or tops the $398 million Q1 guide.
Also watch forThe September 2026 filing does not net rewards from revenue, or core revenue falls below $398 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$194 on $10,000 · ±1.9% | How much price usually moves either way. |
| Bad day | $505 loss on $10,000 · 5.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,324 loss on $10,000 · 43.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: BILL said it entered FY27 on a path to GAAP profit. Its Q4 FY26 operating loss was $34.3 million.
Supportive ifQ1 FY27 GAAP operating income is above zero.
Worry ifQ1 FY27 GAAP operating loss is at least $34.3 million, matching or exceeding the Q4 FY26 loss.
Why it matters: A stated goal is to cut the workforce by up to 30%. The supplied results do not show how many cuts are complete.
Supportive ifBILL reports completed workforce cuts and lower operating costs than the prior quarter.
Worry ifBILL reports no completed cuts, or operating costs rise from the prior quarter without a stated reason.