Bill.com Holdings, Inc.
Bill.com Holdings, Inc. Fundamental Analysis
Bill.com Holdings, Inc. (BILL) shows moderate financial fundamentals with a PE ratio of -190.34, profit margin of -1.56%, and ROE of -0.63%. The company generates $1.5B in annual revenue with strong year-over-year growth of 13.36%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 39.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BILL's fundamental strength across five key dimensions:
Efficiency Score
WeakBILL struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBILL trades at attractive valuation levels.
Growth Score
ModerateBILL shows steady but slowing expansion.
Financial Health Score
ExcellentBILL maintains a strong and stable balance sheet.
Profitability Score
WeakBILL struggles to sustain strong margins.
Key Financial Metrics
Is BILL Expensive or Cheap?
P/E Ratio
BILL trades at -190.34 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BILL's PEG of -12.85 indicates potential undervaluation.
Price to Book
The market values Bill.com Holdings, Inc. at 1.21 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 36.03 times EBITDA. This signals the market has high growth expectations.
How Well Does BILL Make Money?
Net Profit Margin
For every $100 in sales, Bill.com Holdings, Inc. keeps $-1.56 as profit after all expenses.
Operating Margin
Core operations generate -5.77 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-0.63 in profit for every $100 of shareholder equity.
ROA
Bill.com Holdings, Inc. generates $-0.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bill.com Holdings, Inc. produces operating cash flow of $381.44M, showing steady but balanced cash generation.
Free Cash Flow
Bill.com Holdings, Inc. generates strong free cash flow of $344.28M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.44 in free cash annually.
FCF Yield
BILL converts 7.56% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-190.34
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-12.85
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.21
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.94
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.51
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.65
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.01
vs 25 benchmark
ROA
Return on assets percentage
-0.00
vs 25 benchmark
ROCE
Return on capital employed
-0.02
vs 25 benchmark
How BILL Stacks Against Its Sector Peers
| Metric | BILL Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -190.34 | 35.19 | Better (Cheaper) |
| ROE | -0.63% | 1155.00% | Weak |
| Net Margin | -1.56% | -127067.00% (disorted) | Weak |
| Debt/Equity | 0.51 | 0.41 | Weak (High Leverage) |
| Current Ratio | 1.65 | 4.71 | Neutral |
| ROA | -0.24% | -314918.00% (disorted) | Weak |
BILL outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bill.com Holdings, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
613.57%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
158.86%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
6186.13%
Industry Style: Growth, Innovation, High Beta
High Growth