Bill.com Holdings, Inc. (BILL) on Decifer

Why it ranks here

• It is not profitable yet but the profit it keeps on each sale is improving and it now funds itself from its own cash.
• Revenue is growing about 13% a year and profits grew 185% over the past year.
• It keeps a high share of every sale as profit, and that has stayed steady over the years, a sign of real pricing power, with profitability widening as it grows.
• It is riding an active market tailwind but its balance sheet leaves little room to fund growth.
• And it returns cash to shareholders.
• Our durability check found pressure on this name, which costs it a few points.
• It trades about 71,468% above similar companies, and its growth does not yet back up that price.

The current read

The evidence on BILL lines up on the supportive side: the intelligence feed flags this name as connected to what is moving markets now. The independent signals we track are telling the same story.

Themes

• Fintech: Bill.com Holdings, Inc. sits in the smb & financial software layer of the Fintech story.
• Digital Assets & Crypto: Bill.com automates accounts payable and receivable for small and medium businesses, processing $300B+ in payment volume annually. Revenue comes from subscription fees and transaction fees plus float interest income on payment funds held. Credit stress easing drives SMB payment activity and reduces churn, while higher interest rates amplify float income.

Read the full BILL research brief · See all quality rankings

Intelligence data powered by Decifer. Not financial advice. For informational purposes only.