Bill.com Holdings, Inc.BILL
NYSE • Technology
$40.59
P/E
25038.86
PEG
119.06
FCF Yield
—
Rev Growth YoY
+13.5% YoY
Gross Margin
81.6%
Health Score
7/10
D/E Ratio
0.45
Confidence
—
Business Snapshot
Bill.com is a provider of cloud-based financial operations software, primarily serving small and medium-sized businesses. Its platform automates accounts payable, accounts receivable, and other back-office functions. The company operates in the competitive Software-as-a-Service (SaaS) space within the broader fintech sector. With TTM revenue of $1.60 billion, Bill.com has achieved significant scale. A defining feature is its high gross margin of 81.6%, indicating strong unit economics and recurring revenue characteristics.
Financial Health
The company maintains a gross margin of 81.6%, slightly improved from 79.8% in the prior year, and a net margin of just 1.0%, reflecting thin profitability despite high gross margins. The balance sheet is conservative, with a debt-to-equity ratio of 0.45x and a current ratio of 1.58x, indicating ample liquidity and low leverage...
Risk Assessment
- VALUATION — P/E of 25,038.86x is extreme and unreliable due to near-zero earnings, but even the PEG ratio of 119.06x signals that growth-adjusted valuation is very high vs the sector.
- REVENUE DECELERATION — Sequential revenue contraction of 2.0% contrasts with the 13.5% YoY growth, suggesting the top line may be losing momentum in the near term.
- 52-WEEK POSITION — The current price of $40.59 sits below the midpoint ($45.83) of the 52-week range ($34.44 – $57.21) and is 29% below the high...