BILL (NYSE:BILL) Issues Earnings Results

BILL (NYSE:BILL) posted its quarterly earnings results on Thursday. The company reported $0.64 earnings per share for the quarter, beating the consensus estimate of $0.56 by $0.08, FiscalAI reports. BILL had a return on equity of 1.39% and a net margin of 0.79%.The business had revenue of $414.67 million for the quarter, compared to the consensus estimate of $399.71 million. During the same quarter in the previous year, the business earned $0.56 EPS. The company’s quarterly revenue was up 14.4% compared to the same quarter last year. BILL updated its Q3 2026 guidance to 0.530-0.570 EPS and its FY 2026 guidance to 2.330-2.410 EPS.

Here are the key takeaways from BILL’s conference call:

• BILL beat Q2 expectations
• Agentic AI is live across the platform — W‑9 agent enabled ~10k customers (40k W‑9s collected; targeting 3M by year‑end), an invoice coding agent cuts ~90% of coding steps, and the BILL Assistant tripled self‑serve rates to ~40%, boosting efficiency and customer stickiness.
• Payments and network momentum: AP card payments volume grew >160% YoY, early Supplier Payments Plus adopters committed ~$400M of annual TPV, and Embed 2.0 partnerships (NetSuite, Acumatica, Paychex) are live and could extend reach toward ~1M businesses.
• Management is shifting toward larger customers and targeted subscription price increases to lift ARPU, which may reduce net new AP/AR customer adds in the near term while aiming to improve long‑term unit economics and margins.

BILL Price Performance

Shares of BILL stock traded down $1.62 on Thursday, hitting $35.61. The company’s stock had a trading volume of 5,113,593 shares, compared to its average volume of 2,859,329. The company has a market capitalization of $3.57 billion, a price-to-earnings ratio of 116.34, a price-to-earnings-growth ratio of 5.17 and a beta of 1.30. BILL has a 1 year low of $35.46 and a 1 year high of $98.00. The company has a debt-to-equity ratio of 0.47, a quick ratio of 1.67 and a current ratio of 1.67. The firm has a fifty day moving average price of $51.04 and a 200-day moving average price of $49.03.

Insider Buying and Selling

In other news, SVP Germaine Cota sold 1,104 shares of the business’s stock in a transaction that occurred on Tuesday, December 2nd. The stock was sold at an average price of $51.23, for a total value of $56,557.92. Following the completion of the sale, the senior vice president directly owned 10,812 shares in the company, valued at $553,898.76. The trade was a 9.26% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available through this link. Insiders own 13.20% of the company’s stock.

Institutional Trading of BILL

A number of institutional investors have recently made changes to their positions in BILL. Marshall Wace LLP raised its stake in BILL by 190.8% in the 3rd quarter. Marshall Wace LLP now owns 2,166,899 shares of the company’s stock valued at $114,781,000 after purchasing an additional 1,421,785 shares during the last quarter. National Bank of Canada FI purchased a new stake in shares of BILL during the third quarter worth $42,376,000. Ameriprise Financial Inc. raised its position in shares of BILL by 14.2% in the third quarter. Ameriprise Financial Inc. now owns 2,546,171 shares of the company’s stock valued at $134,871,000 after buying an additional 317,014 shares during the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC lifted its stake in shares of BILL by 20.0% in the third quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 1,521,030 shares of the company’s stock worth $80,569,000 after buying an additional 253,310 shares in the last quarter. Finally, Potrero Capital Research LLC purchased a new position in shares of BILL in the third quarter worth about $10,594,000. 97.99% of the stock is owned by institutional investors and hedge funds.

Analysts Set New Price Targets

A number of equities analysts have issued reports on BILL shares. UBS Group reduced their price target on shares of BILL from $65.00 to $60.00 and set a “buy” rating for the company in a research report on Friday, November 7th. Oppenheimer raised their target price on shares of BILL from $55.00 to $60.00 and gave the stock an “outperform” rating in a report on Friday, October 24th. Susquehanna lowered their price target on shares of BILL from $89.00 to $84.00 and set a “positive” rating on the stock in a report on Friday, November 7th. Zacks Research upgraded BILL from a “hold” rating to a “strong-buy” rating in a research note on Friday, January 9th. Finally, Weiss Ratings reissued a “sell (d+)” rating on shares of BILL in a report on Monday, December 29th. One investment analyst has rated the stock with a Strong Buy rating, twelve have given a Buy rating, nine have issued a Hold rating and two have given a Sell rating to the company. According to MarketBeat.com, the company has a consensus rating of “Moderate Buy” and a consensus price target of $58.90.

Trending Headlines about BILL

Here are the key news stories impacting BILL this week:

• Positive Sentiment: Q2 earnings and revenue beat analyst estimates — BILL reported $0.64 EPS vs. consensus $0.56 and revenue meaningfully above estimates, signaling solid top‑line growth and an earnings beat. BILL Holdings (BILL) Beats Q2 Earnings and Revenue Estimates
• Positive Sentiment: Company raised guidance sharply — BILL updated FY‑2026 EPS guidance to roughly 2.33–2.41 (well above consensus ~1.52) and raised Q3 revenue/EPS targets, implying accelerating profitability and bigger full‑year upside. BILL Reports Second Quarter Fiscal Year 2026 Financial Results
• Positive Sentiment: Analyst support — BTIG reaffirmed a Buy on BILL, which can help sustain investor interest after the print. BTIG Research Reaffirms “Buy” Rating for BILL (NYSE:BILL)
• Neutral Sentiment: Company messaging — management emphasized continued product innovation and market leadership in the quarter’s release; that supports the growth story but is incremental to the beats/guidance already announced. BILL Reports Second Quarter Fiscal Year 2026 Financial Results
• Negative Sentiment: Profitability and valuation concerns — despite the beat, reported net margin and return on equity remain low, and the stock has already pulled back well below its 50‑day/200‑day averages, which can prompt short‑term selling or profit‑taking on the post‑earnings move.

BILL Company Profile

BILL Holdings, Inc provides financial automation software for small and midsize businesses worldwide. The company provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable users to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve office efficiency. It also offers onboarding implementation support, and ongoing support and training services.

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