BILL Holdings, Inc. (BILL) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Aug 20, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BILL SEC filings page.
BILL Holdings, Inc. (BILL) reported $1.7B in revenue for fiscal year 2026, up 13.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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).
BILL converts expanding revenue into cash with minimal capital spending, but still carries an operating-cost gap and heavier balance-sheet commitments.
FY2026 operating cash flow of$415.8M coexisted with a net loss of$11.2M , showing that cash generation currently runs ahead of accounting earnings. Free cash flow of$412.5M against only$3.3M of capital expenditure reinforces a reinvestment-light cash profile.
FY2026 revenue expanded
Current ratio was 1.5x in FY2026, down from 1.6x in FY2024, so short-term cushion has narrowed. Debt-to-equity reached 0.5x while buybacks totaled
Financial Health Signals
Scored against operating companies for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of BILL Holdings, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
BILL Holdings, Inc. has an operating margin of -4.4%, meaning the company loses $4 on every $100 of revenue. This results in a profitability score of 27/100. This is up from -5.5% the prior year.
BILL Holdings, Inc.'s revenue grew 13.0% year-over-year to $1.7B, a solid pace of expansion. This earns a growth score of 72/100.
BILL Holdings, Inc. has a moderate D/E ratio of 0.52. This balance of debt and equity financing earns a leverage score of 60/100.
BILL Holdings, Inc.'s current ratio of 1.51 indicates adequate short-term liquidity, earning a score of 42/100. The company can meet its near-term obligations, though with limited headroom.
BILL Holdings, Inc. converts 24.9% of revenue into free cash flow ($412.5M). This strong cash generation earns a score of 90/100.
BILL Holdings, Inc. posts a -0.3% return on equity (ROE), meaning it loses less than $1 for every $100 of shareholders' equity. This results in a returns score of 37/100. This is down from 0.6% the prior year.
BILL Holdings, Inc. scores 0.48, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($3.8B) relative to total liabilities ($6.7B). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
BILL Holdings, Inc. passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
BILL Holdings, Inc. reported a net loss of $11.2M while generating $415.8M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
BILL Holdings, Inc. reported an operating loss of $73.4M against $19.4M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
BILL Holdings, Inc. generated $436.2M in revenue in Q4 2026. This represents an increase of 13.8% from the same quarter a year earlier. Against the prior quarter it is up 7.3%.
BILL Holdings, Inc.'s EBITDA was -$3.3M in Q4 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 83.2% from the same quarter a year earlier. Against the prior quarter it is down 140.6%.
BILL Holdings, Inc. reported -$18.5M in net income in Q4 2026. This represents a decrease of 161.3% from the same quarter a year earlier. Against the prior quarter it is down 244.5%.
BILL Holdings, Inc. earned -$0.18 per diluted share (EPS) in Q4 2026. This represents a decrease of 1000.0% from the same quarter a year earlier. Against the prior quarter it is down 250.0%.
Cash & Balance Sheet
BILL Holdings, Inc. generated $110.6M in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 36.5% from the same quarter a year earlier. Against the prior quarter it is up 7.9%.
BILL Holdings, Inc. held $1.0B in cash against $1.8B in long-term debt as of Q4 2026.
Not reported for Q4 2026.
Margins & Returns
BILL Holdings, Inc.'s gross margin was 81.7% in Q4 2026, indicating the percentage of revenue retained after direct costs. This is up 0.9 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
BILL Holdings, Inc.'s operating margin was -7.8% in Q4 2026, reflecting core business profitability. This is down 2.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 7.8 percentage points.
BILL Holdings, Inc.'s net profit margin was -4.2% in Q4 2026, showing the share of revenue converted to profit. This is down 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 7.4 percentage points.
BILL Holdings, Inc.'s ROE was -0.5% in Q4 2026, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.9 percentage points.
Capital Allocation
BILL Holdings, Inc. invested $63.1M in research and development in Q4 2026. This represents a decrease of 29.9% from the same quarter a year earlier. Against the prior quarter it is down 15.2%.
BILL Holdings, Inc. spent $287.8M on share buybacks in Q4 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 859.4% from the same quarter a year earlier. Against the prior quarter it is up 406.2%.
BILL Holdings, Inc. invested $375K in capex in Q4 2026, funding long-term assets and infrastructure. This represents a decrease of 86.6% from the same quarter a year earlier. Against the prior quarter it is up 123.2%.
BILL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $436.2M+13.8% | $406.6M+13.5% | $414.7M+14.4% | $395.7M+10.4% | $383.3M+11.5% | $358.2M+10.9% | $362.6M+13.8% | $358.4M+17.5% |
| Cost of Revenue | $80.0M+8.7% | $74.7M+11.2% | $83.6M+25.5% | $77.0M+19.0% | $73.6M+12.9% | $67.2M+22.2% | $66.6M+14.1% | $64.7M+15.5% |
| Gross Profit | $356.2M+15.0% | $331.9M+14.0% | $331.1M+11.9% | $318.7M+8.5% | $309.8M+11.2% | $291.0M+8.6% | $295.9M+13.8% | $293.8M+18.0% |
| R&D Expenses | $63.1M-29.9% | $74.4M-14.0% | $82.8M-2.3% | $80.3M+2.0% | $90.0M+13.1% | $86.5M+6.1% | $84.8M-2.0% | $78.7M-11.7% |
| SG&A Expenses | $70.7M+0.8% | $72.3M-2.1% | $79.5M+11.8% | $76.9M+15.2% | $70.2M-0.5% | $73.9M+15.6% | $71.1M+1.5% | $66.8M-8.8% |
| Operating Income | -$34.3M-54.0% | -$399K+98.6% | -$18.1M+16.7% | -$20.7M-169.1% | -$22.2M-0.1% | -$28.9M-4.8% | -$21.7M+67.9% | -$7.7M+86.4% |
| EBITDA | -$3.3M+83.2% | $8.1M+138.3% | -$9.7M+30.0% | -$12.7M-1062.1% | -$19.5M+46.5% | -$21.1M-37.3% | -$13.9M+75.0% | $1.3M+103.0% |
| Interest Expense | -$4.6M-59.8% | -$4.6M-34.7% | -$5.1M-40.5% | -$5.1M-31.5% | -$2.9M-108.7% | -$3.4M+27.8% | -$3.6M+24.1% | -$3.9M+17.8% |
| Income Tax | -$1.6M-138.7% | $2.0M+53.8% | $522K+1060.0% | $149K-88.2% | $4.0M+400400.0% | $1.3M+249.5% | $45K-97.3% | $1.3M+142.9% |
| Net Income | -$18.5M-161.3% | $12.8M+210.3% | -$2.6M-107.7% | -$3.0M-133.2% | -$7.1M-193.1% | -$11.6M-136.4% | $33.5M+183.0% | $8.9M+132.0% |
| EPS (Basic) | -$0.18-157.1% | $0.13+218.2% | -$0.03-109.1% | -$0.03-137.5% | -$0.07-200.0% | -$0.11-136.7% | $0.33+186.8% | $0.08+130.8% |
| EPS (Diluted) | -$0.18-1000.0% | $0.12+209.1% | -$0.03+50.0% | -$0.03-137.5% | $0.02-71.4% | -$0.11 | -$0.06+84.2% | $0.08+130.8% |
| Diluted Shares (Avg) | N/A | 113M+10.2% | 101M-3.8% | 102M-5.0% | N/A | 102M-8.1% | 104M-1.4% | 107M+0.5% |
BILL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $10.2B+1.5% | $10.1B+4.6% | $10.1B+4.7% | $10.2B+12.2% | $10.1B+9.6% | $9.6B+5.6% | $9.7B-2.0% | $9.0B-6.0% |
| Current Assets | $7.4B+2.7% | $7.3B+7.1% | $7.3B+7.1% | $7.3B+18.1% | $7.2B+14.6% | $6.8B+9.2% | $6.8B-1.7% | $6.2B-7.2% |
| Cash & Equivalents | $1.0B-0.7% | $994.7M-5.1% | $1.1B-30.1% | $1.1B+28.8% | $1.0B+5.3% | $1.0B+10.0% | $1.6B-0.8% | $853.5M-44.1% |
| Short-Term Investments | $906.5M-23.2% | $1.2B+4.7% | $1.1B+77.9% | $1.2B+96.2% | $1.2B+96.2% | $1.1B+34.4% | $644.7M-33.7% | $619.6M-44.7% |
| Accounts Receivable | $31.0M-4.2% | $32.1M+20.5% | $41.2M+42.4% | $32.1M+0.6% | $32.3M+15.3% | $26.7M-10.8% | $28.9M+8.5% | $31.9M+32.5% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $2.4B0.0% | $2.4B0.0% | $2.4B0.0% | $2.4B0.0% | $2.4B0.0% | $2.4B0.0% | $2.4B0.0% | $2.4B0.0% |
| Total Liabilities | $6.7B+8.7% | $6.3B+8.9% | $6.3B+7.8% | $6.3B+24.6% | $6.1B+21.9% | $5.8B+13.8% | $5.9B-0.9% | $5.0B-8.6% |
| Current Liabilities | $4.9B+7.3% | $4.4B+9.2% | $4.4B+7.5% | $4.4B+8.0% | $4.6B+12.9% | $4.0B+5.0% | $4.1B+0.1% | $4.1B+9.6% |
| Non-Current Liabilities | $1.8B+12.9% | $1.9B+8.4% | $1.9B+8.4% | $1.9B+93.7% | $1.6B+59.1% | $1.7B+41.0% | $1.7B-3.3% | $976.1M-45.8% |
| Long-Term Debt | $1.8B+7.1% | $1.8B+9.2% | $1.8B+9.2% | $1.9B+103.9% | $1.7B+87.6% | $1.7B+46.5% | $1.7B-8.9% | $914.8M-50.3% |
| Total Equity | $3.5B-9.8% | $3.8B-1.7% | $3.8B-0.1% | $3.9B-3.3% | $3.9B-5.3% | $3.9B-4.6% | $3.8B-3.6% | $4.0B-2.5% |
| Retained Earnings | -$2.1B-38.3% | -$1.8B-20.5% | -$1.7B-18.8% | -$1.6B-23.7% | -$1.5B-37.7% | -$1.5B-32.9% | -$1.5B-28.2% | -$1.3B-43.3% |
Not reported in any period shown, so not listed: Inventory.
BILL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $111.0M+32.4% | $102.7M+3.2% | $105.3M+33.8% | $96.9M+9.3% | $83.8M+6.6% | $99.5M+49.0% | $78.7M-1.2% | $88.6M+65.1% |
| Depreciation & Amortization | $31.0M+1017.4% | $8.5M+7.9% | $8.4M+6.7% | $8.1M-10.5% | $2.8M+119.5% | $7.9M-35.9% | $7.9M-36.2% | $9.0M-29.7% |
| Stock-Based Compensation | N/A | $53.9M-13.3% | $64.3M-2.5% | $58.8M+7.6% | N/A | $62.2M+4.8% | $65.9M+0.6% | $54.7M-16.1% |
| Capital Expenditures | $375K-86.6% | $168K-85.4% | $1.5M+290.6% | $1.3M+7541.2% | $2.8M+1260.5% | $1.1M+7068.8% | $382K+8.5% | $17K-95.8% |
| Free Cash Flow | $110.6M+36.5% | $102.5M+4.2% | $103.8M+32.5% | $95.6M+7.9% | $81.0M+3.3% | $98.4M+47.3% | $78.3M-1.3% | $88.6M+66.3% |
| Investing Cash Flow | $244.5M+661.0% | -$301.0M+53.3% | $136.6M+1287.7% | -$108.7M+22.1% | -$43.6M-1.4% | -$644.1M-4.2% | $9.8M+119.6% | -$139.5M-146.2% |
| Financing Cash Flow | $48.6M-85.7% | -$109.6M-3.8% | -$113.0M-121.0% | $1.1M+101.0% | $339.6M+1781.7% | -$105.6M+86.8% | $537.6M+181.9% | -$105.2M+6.0% |
| Share Buybacks | $287.8M+859.4% | $56.9M | $132.7M-33.7% | $83.1M-58.4% | $30.0M | $0 | $200.0M+0.1% | $200.0M+1558.3% |
Not reported in any period shown, so not listed: Dividends Paid.
BILL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 81.7%+0.9pp | 81.6%+0.4pp | 79.8%-1.8pp | 80.5%-1.4pp | 80.8%-0.2pp | 81.2%-1.7pp | 81.6%0.0pp | 82.0%+0.3pp |
| Operating Margin | -7.8%-2.0pp | -0.1%+8.0pp | -4.4%+1.6pp | -5.2%-3.1pp | -5.8%+0.7pp | -8.1%+0.5pp | -6.0%+15.3pp | -2.1%+16.4pp |
| Net Margin | -4.2%-2.4pp | 3.1%+6.4pp | -0.6%-9.9pp | -0.8%-3.2pp | -1.8%-4.0pp | -3.2%-13.1pp | 9.3%+21.9pp | 2.5%+11.6pp |
| Return on Equity | -0.5%-0.3pp | 0.3%+0.6pp | -0.1%-0.9pp | -0.1%-0.3pp | -0.2%-0.4pp | -0.3%-1.1pp | 0.9%+1.9pp | 0.2%+0.9pp |
| Return on Assets | -0.2%-0.1pp | 0.1%+0.2pp | 0.0%-0.4pp | 0.0%-0.1pp | -0.1%-0.1pp | -0.1%-0.5pp | 0.4%+0.8pp | 0.1%+0.4pp |
| Current Ratio | 1.51-0.1x | 1.660.0x | 1.650.0x | 1.67+0.1x | 1.580.0x | 1.69+0.1x | 1.660.0x | 1.53-0.3x |
| Debt-to-Equity | 0.52+0.1x | 0.480.0x | 0.480.0x | 0.48+0.3x | 0.44+0.2x | 0.43+0.2x | 0.440.0x | 0.23-0.2x |
| Asset Turnover | 0.040.0x | 0.040.0x | 0.040.0x | 0.040.0x | 0.040.0x | 0.040.0x | 0.040.0x | 0.040.0x |
| FCF Margin | 25.4%+4.2pp | 25.2%-2.3pp | 25.0%+3.4pp | 24.1%-0.6pp | 21.1%-1.7pp | 27.5%+6.8pp | 21.6%-3.3pp | 24.7%+7.2pp |
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| BILL Holdings, Inc. BILL | FY2026 | $1.7B | -$11.2M | -0.7% | $3.8B | 55/100 |
| Clearwater Analytics Holdings, Inc. CWAN | FY2025 | $731.4M | -$38.8M | -5.3% | $7.3B | 49/100 |
| JFrog Ltd. FROG | FY2025 | $531.8M | -$71.8M | -13.5% | $12.1B | 57/100 |
| Q2 Holdings Inc QTWO | FY2025 | $794.8M | $52.0M | 6.5% | $3.6B | 48/100 |
| Kingsoft Cloud Holdings Limited KC | FY2025 | $1.4B | -$133.9M | -9.8% | $2.8B | 43/100 |
| Workiva Inc. WK | FY2025 | $884.6M | -$26.2M | -3.0% | $3.9B | 44/100 |
Where BILL Holdings, Inc. Ranks
Frequently Asked Questions
What is BILL Holdings, Inc.'s annual revenue?
BILL Holdings, Inc. (BILL) reported $1.7B in total revenue for fiscal year 2026. This represents a 13.0% 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 13.0% year-over-year, from $1.5B to $1.7B in fiscal year 2026.
Is BILL Holdings, Inc. profitable?
No, BILL Holdings, Inc. (BILL) reported a net income of -$11.2M in fiscal year 2026, with a net profit margin of -0.7%.
What is BILL Holdings, Inc.'s EBITDA?
BILL Holdings, Inc. (BILL) had EBITDA of -$17.5M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does BILL Holdings, Inc. have?
As of fiscal year 2026, BILL Holdings, Inc. (BILL) had $1.0B in cash and equivalents against $1.8B in long-term debt.
What is BILL Holdings, Inc.'s gross margin?
BILL Holdings, Inc. (BILL) had a gross margin of 80.9% in fiscal year 2026, 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 -4.4% in fiscal year 2026, 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 -0.7% in fiscal year 2026, 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 -0.3% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is BILL Holdings, Inc.'s free cash flow?
BILL Holdings, Inc. (BILL) generated $412.5M in free cash flow during fiscal year 2026. This represents a 19.1% 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 $415.8M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are BILL Holdings, Inc.'s total assets?
BILL Holdings, Inc. (BILL) had $10.2B in total assets as of fiscal year 2026, including both current and long-term assets.
What are BILL Holdings, Inc.'s capital expenditures?
BILL Holdings, Inc. (BILL) invested $3.3M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
How much does BILL Holdings, Inc. spend on research and development?
BILL Holdings, Inc. (BILL) invested $300.6M in research and development during fiscal year 2026.
What is BILL Holdings, Inc.'s current ratio?
BILL Holdings, Inc. (BILL) had a current ratio of 1.51 as of fiscal year 2026, 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 0.52 as of fiscal year 2026, 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 -0.1% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is BILL Holdings, Inc.'s P/E ratio?
BILL Holdings, Inc. (BILL) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2026). The market capitalization is $3.8B as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is BILL Holdings, Inc.'s price-to-sales ratio?
BILL Holdings, Inc. (BILL) trades at 2.3x sales, its market capitalization divided by revenue of $1.7B revenue, FY2026. The market capitalization is $3.8B as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is BILL Holdings, Inc.'s Altman Z-Score?
BILL Holdings, Inc. (BILL) has an Altman Z-Score of 0.48, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is BILL Holdings, Inc.'s Piotroski F-Score?
BILL Holdings, Inc. (BILL) has a Piotroski F-Score of 4 out of 9, indicating neutral 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 to 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) reported a net loss of $11.2M while generating $415.8M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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) reported an operating loss of $73.4M against $19.4M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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 55 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.