BILL Holdings, Inc. (BILL) Stock Analysis

Q: What is the BILL stock price target?

Take-profit $49.11 (+27.5% upside). Prior stop was $35.81.

Q: Is BILL overvalued or undervalued?

BILL Holdings, Inc. trades at a P/E of N/A (forward 14.0). TrendMatrix value score: 8.9/10. Overall verdict: Sell.

Q: What do analysts say about BILL?

31 analysts cover BILL with a consensus score of 3.9/5. Average price target: $55.

Q: What does BILL Holdings, Inc. do?

BILL Holdings is a financial operations SaaS platform for SMBs providing accounts payable/receivable automation, spend management (BILL Divvy Card), and B2B payments. As of June 2025, ~493,800 businesses used the platform processing $330B in annual payment volume with 8.3 million network members.

Recovery setup

SellVALUE-TRAP 1/5Moderate ConfidenceUpdated 2026-05-02

Technology · Software - Application

Earnings in 6 days (2026-05-07). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Sell if holding. Engine safety override at $38.52: Quality below floor (3.8 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 2.6:1 is above the 1.5:1 BUY gate. Specifically: High short interest: 18%; Elevated put/call ratio: 3.94; Below-average business quality.

BILL Holdings is a financial operations SaaS platform for SMBs providing accounts payable/receivable automation, spend management (BILL Divvy Card), and B2B payments. As of June 2025, ~493,800 businesses used the platform processing $330B in annual payment volume with 8.3... Read more

$38.52+27.5% A.UpsideScore 5.7/10#43 of 96 Software - Application

Stop $35.81Target $49.11(analyst − 10%)A.R:R 2.6:1

Analyst target$54.57+41.7%21 analysts

$49.11our TP

$38.52price

$54.57mean

$84

Passes 5/7 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, semi cycle peak clear). Fails on earnings proximity 6d<=7d. Suitability: aggressive.

Thesis

Rewards

No bull case signals

Risks

Quality below floor (3.8 < 4.0)

Key Metrics

P/E (TTM)—

P/E (Fwd)14.0

Mkt Cap$3.8B

EV/EBITDA-1505.8

Profit Mgn-1.6%

ROE-0.6%

Rev Growth14.4%

Beta1.32

DividendNone

Rating analysts31

Quality Signals

Piotroski F8/9

Options Flow

P/C3.94bearish

IV110%elevated

Max Pain$53+37.6% vs spot

Material Events(8-K, last 90d)

2026-03-16Item 5.02LOW
On March 11, 2026, CFO Rohini Jain additionally appointed as principal accounting officer with no additional compensation. Routine administrative role addition; no officer departure.
SEC filing →
2026-01-26Item 5.02LOW
Alison Wagonfeld resigned from BILL Board of Directors effective February 6, 2026. Resignation not due to any disagreement with the Company. No successor named for board seat.
SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

3 floor-breakers·1 ceiling hit

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value8.915%1.33

Quality3.815%0.57

Growth6.115%0.91

Momentum5.610%0.56

Sentiment7.010%0.70

Insider Activity5.010%0.50

Peer Rank3.710%0.37

Technical Setup3.85%0.19

Risk Profile3.55%0.18

Catalyst7.05%0.35

Overall (Σ contributions)5.67

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank

2.7

Growth Rank

4.4

Value Rank

7.9

Unprofitable operations — net margin -1.6%. Quality floor flags this regardless of sector context.static

Roe

0.0

Roa

0.0

Operating Margin

0.0

Net Margin

0.0

Rule Of 40

3.0

Moat

5.0

Fcf Quality

5.1

Current Ratio

6.0

Piotroski F

8.9

Gross Margin

10.0

FCF-positive despite GAAP loss (FCF margin 8%, FCF yield 3.3%)No competitive moatRule of 40: 22 (fail)Strong Piotroski F-Score: 8/9

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

52w Position

3.5

Support Resistance

3.6

Bollinger

3.9

Gap

4.0

GatesEARNINGS PROXIMITY 6d<=7dDeath cross (50MA < 200MA)Momentum 5.6>=5.5A.R:R 2.6 ≥ 1.5Insider activity: OKNo SEC red flagsSEMI CYCLE PEAK CLEARRecoverySuitability: Aggressive

RSI

57 · Neutral

↑ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $34.44Resistance $40.81

Price Targets

$36

$49

A.Upside+27.5%

A.R:R2.6:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeSteady

Risk Alerts

! Quality below floor (3.8 < 4.0)

! EARNINGS_PROXIMITY:6d<=7d

Earnings

4/4 beats

Next Earnings2026-05-07 (6d)

Verdict History

reverse chrono — latest first

Loading history...

Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is BILL stock a buy right now?

Sell if holding. Engine safety override at $38.52: Quality below floor (3.8 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 2.6:1 is above the 1.5:1 BUY gate. Specifically: High short interest: 18%; Elevated put/call ratio: 3.94; Below-average business quality. Chart setup: Death cross but MACD improving, RSI 57. Prior stop was $35.81. Score 5.7/10, moderate confidence.

What is the BILL stock price target?

Take-profit target: $49.11 (+27.5% upside). Prior stop was $35.81. Stop-loss: $35.81.

What are the risks of investing in BILL?

Quality below floor (3.8 < 4.0).

Is BILL overvalued or undervalued?

BILL Holdings, Inc. trades at a P/E of N/A (forward 14.0). TrendMatrix value score: 8.9/10. Verdict: Sell.

What do analysts say about BILL?

31 analysts cover BILL with a consensus score of 3.9/5. Average price target: $55.

What does BILL Holdings, Inc. do?BILL Holdings is a financial operations SaaS platform for SMBs providing accounts payable/receivable automation, spend...