BILLBILL
US • —
$43.51
P/E
26423.49
PEG
—
FCF Yield
7.5%
Rev Growth YoY
+12.5% YoY
Gross Margin
80.7%
Health Score
7/10
D/E Ratio
0.44
Confidence
LOW
Business Snapshot
BILL is a provider of cloud-based software that automates financial operations, including accounts payable, accounts receivable, and spend and expense management for small and medium-sized businesses. The company operates in the competitive financial technology and enterprise software market, holding a position as a significant challenger to traditional accounting methods and other fintech platforms. With a market capitalisation of $4.33 billion, BILL is classified as a mid-cap company. The company is distinguished by its integrated platform that connects over 4 million users, creating a network that can drive switching costs and user stickiness.
Financial Health
Gross margin stands at a robust 80.7%, indicating strong pricing power and low cost of goods sold, though a prior year comparison is not available for trend analysis. Net margin is reported at 0.0%, meaning the company is barely breaking even on a net income basis, which is a point of concern for profitability-focused investors...
Risk Assessment
- VALUATION — The P/E ratio of 26,423.49x is extreme and flagged as potentially distorted, but even the Price/Sales ratio of 2.71x implies the market is pricing in substantial future growth against a current net margin of 0.0%.
- EARNINGS QUALITY — While the company beat earnings estimates in 4 of the last 4 quarters, the net margin of 0.0% means reported earnings are negligible, making the beats less meaningful for assessing fundamental value.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- FCF / CASH BURN — While free cash flow is positive at $326.61M, the 0.0% net margin and negligible net income indicate a significant disconnect between operational profitability (GAAP) and cash generation, which may not be sustainable if growth slows.
- DATA QUALITY — The P/E ratio of 26,423.49x is flagged as extreme and likely distorted by earnings near zero, rendering it unreliable for valuation assessment....
Gross margin stands at a robust 80.7%, indicating strong pricing power and low cost of goods sold, though a prior year comparison is not available for trend analysis. Net margin is reported at 0.0%, meaning the company is barely breaking even on a net income basis, which is a point of concern for profitability-focused investors. The balance sheet is conservatively structured with a Debt/Equity ratio of 0.44x, and a current ratio of 1.58x, suggesting ample short-term liquidity and low reliance on debt financing. The company generated $326.61 million in free cash flow, translating to a healthy free cash flow yield of 7.5%, which provides a solid foundation for reinvestment and potential value creation. Overall, the financial health is solid, driven by strong cash generation and a conservative balance sheet, though a 0% net margin highlights a clear need for ongoing operational efficiency improvements.
- VALUATION — The P/E ratio of 26,423.49x is extreme and flagged as potentially distorted, but even the Price/Sales ratio of 2.71x implies the market is pricing in substantial future growth against a current net margin of 0.0%. - EARNINGS QUALITY — While the company beat earnings estimates in 4 of the last 4 quarters, the net margin of 0.0% means reported earnings are negligible, making the beats less meaningful for assessing fundamental value. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed. - FCF / CASH BURN — While free cash flow is positive at $326.61M, the 0.0% net margin and negligible net income indicate a significant disconnect between operational profitability (GAAP) and cash generation, which may not be sustainable if growth slows. - DATA QUALITY — The P/E ratio of 26,423.49x is flagged as extreme and likely distorted by earnings near zero, rendering it unreliable for valuation assessment.
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