BILL HOLDINGS, INC Financials

BILL

Source SEC Filings (10-K/10-Q) Updated Feb 5, 2026 Currency USD FYE June

This page shows BILL HOLDINGS, INC (BILL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 51/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

BILL HOLDINGS, INC has an operating margin of -5.5%, meaning the company retains $-6 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is up from -13.5% the prior year.

Growth

BILL HOLDINGS, INC's revenue grew 13.4% year-over-year to $1.5B, a solid pace of expansion. This earns a growth score of 67/100.

Leverage

BILL HOLDINGS, INC carries a low D/E ratio of 0.44, meaning only $0.44 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 95/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

BILL HOLDINGS, INC's current ratio of 1.58 indicates adequate short-term liquidity, earning a score of 43/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

100

BILL HOLDINGS, INC converts 23.7% of revenue into free cash flow ($346.3M). This strong cash generation earns a score of 100/100.

Returns

BILL HOLDINGS, INC generates a 0.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 2/100.

Piotroski F-Score Strong

7/9

BILL HOLDINGS, INC passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

14.73x

For every $1 of reported earnings, BILL HOLDINGS, INC generates $14.73 in operating cash flow ($350.6M OCF vs $23.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

-5.8x

BILL HOLDINGS, INC earns $-5.8 in operating income for every $1 of interest expense (-$80.6M vs $13.8M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Revenue

$1.5B

YoY+13.4%

5Y CAGR+56.1%

BILL HOLDINGS, INC generated $1.5B in revenue in fiscal year 2025. This represents an increase of 13.4% from the prior year.

EBITDA

-$53.1M

YoY+64.8%

BILL HOLDINGS, INC's EBITDA was -$53.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 64.8% from the prior year.

Free Cash Flow

$346.3M

YoY+24.7%

BILL HOLDINGS, INC generated $346.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 24.7% from the prior year.

Net Income

$23.8M

YoY+182.4%

BILL HOLDINGS, INC reported $23.8M in net income in fiscal year 2025. This represents an increase of 182.4% from the prior year.

EPS (Diluted)

$-0.07

YoY+74.1%

BILL HOLDINGS, INC earned $-0.07 per diluted share (EPS) in fiscal year 2025. This represents an increase of 74.1% from the prior year.

Cash & Debt

$1.0B

YoY+5.3%

5Y CAGR+12.6%

BILL HOLDINGS, INC held $1.0B in cash against $1.7B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

103M

YoY-3.4%

BILL HOLDINGS, INC had 103M shares outstanding in fiscal year 2025. This represents a decrease of 3.4% from the prior year.

Gross Margin

81.4%

YoY-0.4pp

5Y CAGR+6.2pp

BILL HOLDINGS, INC's gross margin was 81.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.4 percentage points from the prior year.

Operating Margin

-5.5%

YoY+8.0pp

5Y CAGR+16.2pp

BILL HOLDINGS, INC's operating margin was -5.5% in fiscal year 2025, reflecting core business profitability. This is up 8.0 percentage points from the prior year.

Net Margin

1.6%

YoY+3.9pp

5Y CAGR+21.4pp

BILL HOLDINGS, INC's net profit margin was 1.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.9 percentage points from the prior year.

Return on Equity

0.6%

BILL HOLDINGS, INC's ROE was 0.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.

R&D Spending

$340.1M

YoY+1.0%

5Y CAGR+45.0%

BILL HOLDINGS, INC invested $340.1M in research and development in fiscal year 2025. This represents an increase of 1.0% from the prior year.

Share Buybacks

$430.0M

YoY+102.9%

BILL HOLDINGS, INC spent $430.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 102.9% from the prior year.

Capital Expenditures

$4.3M

YoY+344.2%

5Y CAGR-17.6%

BILL HOLDINGS, INC invested $4.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 344.2% from the prior year.

BILL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.5B+13.4%	$1.3B+21.9%	$1.1B+64.9%	$642.0M+169.4%	$238.3M+51.2%	$157.6M
Cost of Revenue	$272.1M+16.0%	$234.6M+21.0%	$194.0M+33.8%	$145.0M+134.6%	$61.8M+57.9%	$39.1M
Gross Profit	$1.2B+12.8%	$1.1B+22.1%	$864.5M+74.0%	$497.0M+181.6%	$176.5M+49.0%	$118.5M
R&D Expenses	$340.1M+1.0%	$336.8M+7.0%	$314.6M+43.1%	$219.8M+145.6%	$89.5M+68.9%	$53.0M
SG&A Expenses	$281.9M+1.5%	$277.7M+11.5%	$249.1M+12.7%	$221.0M+72.5%	$128.1M+139.7%	$53.5M
Operating Income	-$80.6M+53.7%	-$174.2M+41.1%	-$295.8M+6.6%	-$316.8M-178.0%	-$114.0M-233.3%	-$34.2M
Interest Expense	-$13.8M-172.1%	$19.2M+26.2%	$15.2M+61.4%	$9.4M-66.5%	$28.2M+12196.1%	$229K
Income Tax	$6.6M+158.3%	$2.6M+216.7%	$808K+118.7%	-$4.3M+89.4%	-$40.6M-76735.8%	$53K
Net Income	$23.8M+182.4%	-$28.9M+87.1%	-$223.7M+31.4%	-$326.4M-230.6%	-$98.7M-217.5%	-$31.1M
EPS (Diluted)	$-0.07+74.1%	$-0.27+87.2%	$-2.11+34.3%	$-3.21-169.7%	$-1.19-70.0%	$-0.70

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
Revenue	$375K-99.9%	$414.7M+4.8%	$395.7M+10.5%	$358.2M-1.2%	$362.6M+1.1%	$358.4M+11.0%	$323.0M+1.4%	$318.5M
Cost of Revenue	$84K-99.9%	$83.6M+8.6%	$77.0M+14.6%	$67.2M+0.9%	$66.6M+3.0%	$64.7M+17.6%	$55.0M-5.8%	$58.4M
Gross Profit	$331K-99.9%	$331.1M+3.9%	$318.7M+9.5%	$291.0M-1.7%	$295.9M+0.7%	$293.8M+9.6%	$268.0M+3.0%	$260.1M
R&D Expenses	$83K-99.9%	$82.8M+3.1%	$80.3M-7.2%	$86.5M+2.1%	$84.8M+7.8%	$78.7M-3.6%	$81.6M-5.7%	$86.5M
SG&A Expenses	$79K-99.9%	$79.5M+3.4%	$76.9M+4.2%	$73.9M+3.8%	$71.1M+6.5%	$66.8M+4.6%	$63.9M-8.8%	$70.1M
Operating Income	$18K+100.1%	-$18.1M+12.8%	-$20.7M+28.4%	-$28.9M-33.3%	-$21.7M-182.0%	-$7.7M+72.1%	-$27.6M+59.2%	-$67.7M
Interest Expense	$5K+100.1%	-$5.1M+1.0%	-$5.1M-6.6%	-$4.8M-33.1%	-$3.6M+7.3%	-$3.9M+17.8%	-$4.7M+0.3%	-$4.8M
Income Tax	$522-99.9%	$522K+250.3%	$149K-88.5%	$1.3M+2773.3%	$45K-96.5%	$1.3M+242.7%	$370K-77.8%	$1.7M
Net Income	$3K+100.1%	-$2.6M+12.6%	-$3.0M+74.4%	-$11.6M-134.5%	$33.5M+276.4%	$8.9M-72.0%	$31.8M+178.7%	-$40.4M
EPS (Diluted)	$0.03+200.0%	$-0.030.0%	$-0.03+72.7%	$-0.11-83.3%	$-0.06-175.0%	$0.08	$0.00+100.0%	$-0.38

BILL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$10.1B+9.6%	$9.2B-4.7%	$9.6B+4.1%	$9.3B+55.1%	$6.0B+148.3%	$2.4B
Current Assets	$7.2B+14.6%	$6.3B-5.4%	$6.7B+6.3%	$6.3B+74.1%	$3.6B+51.5%	$2.4B
Cash & Equivalents	$1.0B+5.3%	$985.9M-39.0%	$1.6B+1.3%	$1.6B+213.3%	$509.6M-11.2%	$573.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$32.3M+15.3%	$28.0M-0.7%	$28.2M+17.4%	$24.0M+32.0%	$18.2M+328.6%	$4.3M
Goodwill	$2.4B0.0%	$2.4B0.0%	$2.4B+1.4%	$2.4B+33.3%	$1.8B	$0
Total Liabilities	$6.1B+21.9%	$5.0B-9.1%	$5.6B+6.5%	$5.2B+51.5%	$3.4B+103.1%	$1.7B
Current Liabilities	$4.6B+12.9%	$4.1B+8.2%	$3.8B+10.1%	$3.4B+46.6%	$2.3B+38.7%	$1.7B
Long-Term Debt	$1.7B+87.6%	$914.0M-50.3%	$1.8B+3.8%	$1.8B+79.2%	$989.4M	N/A
Total Equity	$3.9B-5.3%	$4.1B+1.2%	$4.1B+1.0%	$4.0B+59.9%	$2.5B+255.9%	$710.7M
Retained Earnings	-$1.5B-37.7%	-$1.1B-28.1%	-$856.2M-57.1%	-$544.8M-120.2%	-$247.5M-66.4%	-$148.7M

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
Total Assets	$10.1M-99.9%	$10.1B-0.2%	$10.2B+5.4%	$9.6B-0.4%	$9.7B+7.0%	$9.0B-0.8%	$9.1B-7.6%	$9.9B
Current Assets	$7.3M-99.9%	$7.3B-0.1%	$7.3B+7.7%	$6.8B-0.5%	$6.8B+10.2%	$6.2B-0.4%	$6.2B-10.5%	$7.0B
Cash & Equivalents	$1.1M-99.9%	$1.1B-0.5%	$1.1B+5.0%	$1.0B-33.1%	$1.6B+83.5%	$853.5M-10.4%	$952.5M-39.7%	$1.6B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$41K-99.9%	$41.2M+28.2%	$32.1M+20.4%	$26.7M-7.8%	$28.9M-9.5%	$31.9M+6.8%	$29.9M+12.2%	$26.7M
Goodwill	$2.4M-99.9%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B0.0%	$2.4B
Total Liabilities	$6.3M-99.9%	$6.3B+0.8%	$6.3B+8.8%	$5.8B-1.8%	$5.9B+16.6%	$5.0B-0.6%	$5.1B-14.5%	$5.9B
Current Liabilities	$4.4M-99.9%	$4.4B+1.2%	$4.4B+9.0%	$4.0B-2.5%	$4.1B+1.6%	$4.1B+6.0%	$3.8B-7.1%	$4.1B
Long-Term Debt	$1.4M-99.9%	$1.8B-1.7%	$1.9B+11.1%	$1.7B+0.1%	$1.7B+83.5%	$914.8M-20.2%	$1.1B-37.8%	$1.8B
Total Equity	$3.8M-99.9%	$3.8B-2.0%	$3.9B+0.3%	$3.9B+1.6%	$3.8B-5.1%	$4.0B-1.1%	$4.1B+2.7%	$4.0B
Retained Earnings	$1.7M+100.1%	-$1.7B-8.5%	-$1.6B-8.6%	-$1.5B-0.8%	-$1.5B-13.0%	-$1.3B-16.7%	-$1.1B+2.8%	-$1.1B

BILL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$350.6M+25.8%	$278.8M+48.5%	$187.8M+1137.8%	-$18.1M-491.4%	$4.6M+204.4%	-$4.4M
Capital Expenditures	$4.3M+344.2%	$976K-87.1%	$7.6M+41.1%	$5.4M-71.6%	$18.9M+65.3%	$11.4M
Free Cash Flow	$346.3M+24.7%	$277.8M+54.2%	$180.2M+867.7%	-$23.5M-64.4%	-$14.3M+10.0%	-$15.9M
Investing Cash Flow	-$817.4M-99.7%	-$409.4M-257.9%	$259.3M+123.0%	-$1.1B+21.0%	-$1.4B-471.9%	-$249.5M
Financing Cash Flow	$666.5M+189.8%	-$742.6M-415.9%	$235.1M-91.8%	$2.9B+75.6%	$1.6B+90.0%	$863.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$430.0M+102.9%	$211.9M+141.9%	$87.6M	$0	$0	N/A

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
Operating Cash Flow	$202K-99.8%	$105.3M+8.7%	$96.9M-2.7%	$99.5M+26.4%	$78.7M-11.1%	$88.6M+32.6%	$66.8M-16.2%	$79.7M
Capital Expenditures	$3K-99.8%	$1.5M+14.9%	$1.3M+13.3%	$1.1M+200.3%	$382K+2147.1%	$17K+6.3%	$16K-95.5%	$352K
Free Cash Flow	$199K-99.8%	$103.8M+8.7%	$95.6M-2.9%	$98.4M+25.6%	$78.3M-11.6%	$88.6M+32.6%	$66.8M-15.8%	$79.3M
Investing Cash Flow	$28K-100.0%	$136.6M+225.6%	-$108.7M+83.1%	-$644.1M-6644.5%	$9.8M+107.1%	-$139.5M+77.4%	-$618.0M-1131.5%	-$50.2M
Financing Cash Flow	$112K+100.1%	-$113.0M-10374.2%	$1.1M+101.0%	-$105.6M-119.6%	$537.6M+611.3%	-$105.2M+86.9%	-$801.2M-520.1%	$190.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$216K-99.8%	$132.7M+59.5%	$83.1M	$0-100.0%	$200.0M0.0%	$200.0M	$0-100.0%	$199.8M

BILL Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	81.4%-0.4pp	81.8%+0.2pp	81.7%+4.3pp	77.4%+3.3pp	74.1%-1.1pp	75.2%
Operating Margin	-5.5%+8.0pp	-13.5%+14.4pp	-27.9%+21.4pp	-49.4%-1.5pp	-47.8%-26.1pp	-21.7%
Net Margin	1.6%+3.9pp	-2.2%+18.9pp	-21.1%+29.7pp	-50.8%-9.4pp	-41.4%-21.7pp	-19.7%
Return on Equity	0.6%	N/A	N/A	N/A	N/A	N/A
Return on Assets	0.2%+0.5pp	-0.3%+2.0pp	-2.3%+1.2pp	-3.5%-1.9pp	-1.7%-0.4pp	-1.3%
Current Ratio	1.58+0.0	1.55-0.2	1.78-0.1	1.84+0.3	1.55+0.1	1.42
Debt-to-Equity	0.44+0.2	0.22-0.2	0.45+0.0	0.44+0.0	0.39-2.0	2.38
FCF Margin	23.7%+2.2pp	21.5%+4.5pp	17.0%+20.7pp	-3.7%+2.3pp	-6.0%+4.1pp	-10.1%

Metric	Q2'26	Q2'25	Q1'25	Q3'25	Q2'24	Q1'24	Q3'24	Q2'23
Gross Margin	88.3%+8.4pp	79.8%-0.7pp	80.5%-0.7pp	81.2%-0.4pp	81.6%-0.3pp	82.0%-1.0pp	83.0%+1.3pp	81.7%
Operating Margin	4.8%+9.2pp	-4.4%+0.9pp	-5.2%+2.8pp	-8.1%-2.1pp	-6.0%-3.8pp	-2.1%+6.4pp	-8.6%+12.7pp	-21.3%
Net Margin	0.7%+1.3pp	-0.6%+0.1pp	-0.8%+2.5pp	-3.2%-12.5pp	9.3%+6.8pp	2.5%-7.4pp	9.8%+22.5pp	-12.7%
Return on Equity	0.1%	N/A	N/A	N/A	0.9%+0.7pp	0.2%-0.6pp	0.8%	N/A
Return on Assets	0.0%+0.1pp	-0.0%0.0pp	-0.0%+0.1pp	-0.1%-0.5pp	0.4%+0.3pp	0.1%-0.3pp	0.4%+0.8pp	-0.4%
Current Ratio	1.650.0	1.65-0.0	1.67-0.0	1.69+0.0	1.66+0.1	1.53-0.1	1.63-0.1	1.69
Debt-to-Equity	0.37-0.1	0.480.0	0.48+0.0	0.430.0	0.44+0.2	0.23-0.1	0.28-0.2	0.47
FCF Margin	53.1%+28.1pp	25.0%+0.9pp	24.1%-3.3pp	27.5%+5.9pp	21.6%-3.1pp	24.7%+4.0pp	20.7%-4.2pp	24.9%

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Frequently Asked Questions

What is BILL HOLDINGS, INC's annual revenue?

BILL HOLDINGS, INC (BILL) reported $1.5B in total revenue for fiscal year 2025. This represents a 13.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is BILL HOLDINGS, INC's revenue growing?

BILL HOLDINGS, INC (BILL) revenue grew by 13.4% year-over-year, from $1.3B to $1.5B in fiscal year 2025.

Is BILL HOLDINGS, INC profitable?

Yes, BILL HOLDINGS, INC (BILL) reported a net income of $23.8M in fiscal year 2025, with a net profit margin of 1.6%.

What is BILL HOLDINGS, INC's earnings per share (EPS)?

BILL HOLDINGS, INC (BILL) reported diluted earnings per share of $-0.07 for fiscal year 2025. This represents a 74.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is BILL HOLDINGS, INC's EBITDA?

BILL HOLDINGS, INC (BILL) had EBITDA of -$53.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does BILL HOLDINGS, INC have?

As of fiscal year 2025, BILL HOLDINGS, INC (BILL) had $1.0B in cash and equivalents against $1.7B in long-term debt.

What is BILL HOLDINGS, INC's gross margin?

BILL HOLDINGS, INC (BILL) had a gross margin of 81.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is BILL HOLDINGS, INC's operating margin?

BILL HOLDINGS, INC (BILL) had an operating margin of -5.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is BILL HOLDINGS, INC's net profit margin?

BILL HOLDINGS, INC (BILL) had a net profit margin of 1.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is BILL HOLDINGS, INC's return on equity (ROE)?

BILL HOLDINGS, INC (BILL) has a return on equity of 0.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is BILL HOLDINGS, INC's free cash flow?

BILL HOLDINGS, INC (BILL) generated $346.3M in free cash flow during fiscal year 2025. This represents a 24.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is BILL HOLDINGS, INC's operating cash flow?

BILL HOLDINGS, INC (BILL) generated $350.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are BILL HOLDINGS, INC's total assets?

BILL HOLDINGS, INC (BILL) had $10.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are BILL HOLDINGS, INC's capital expenditures?

BILL HOLDINGS, INC (BILL) invested $4.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does BILL HOLDINGS, INC spend on research and development?

BILL HOLDINGS, INC (BILL) invested $340.1M in research and development during fiscal year 2025.

Does BILL HOLDINGS, INC buy back shares?

Yes, BILL HOLDINGS, INC (BILL) spent $430.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does BILL HOLDINGS, INC have outstanding?

BILL HOLDINGS, INC (BILL) had 103M shares outstanding as of fiscal year 2025.

What is BILL HOLDINGS, INC's current ratio?

BILL HOLDINGS, INC (BILL) had a current ratio of 1.58 as of fiscal year 2025, which is generally considered healthy.

What is BILL HOLDINGS, INC's debt-to-equity ratio?

BILL HOLDINGS, INC (BILL) had a debt-to-equity ratio of 0.44 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is BILL HOLDINGS, INC's return on assets (ROA)?

BILL HOLDINGS, INC (BILL) had a return on assets of 0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is BILL HOLDINGS, INC's Piotroski F-Score?

BILL HOLDINGS, INC (BILL) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are BILL HOLDINGS, INC's earnings high quality?

BILL HOLDINGS, INC (BILL) has an earnings quality ratio of 14.73x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can BILL HOLDINGS, INC cover its interest payments?

BILL HOLDINGS, INC (BILL) has an interest coverage ratio of -5.8x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is BILL HOLDINGS, INC?

BILL HOLDINGS, INC (BILL) scores 51 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.