BILL Holdings, Inc. (BILL): one to watch?

Cheap on paper and profitable on an adjusted basis, but growth keeps decelerating and Wall Street keeps cutting targets — no clear catalyst to re-rate it yet.

👀 WATCH Fundamentals57/100

Down 86% from its all-time high of $334.70 — now $47.40

Why BILL dropped

BILL's stock isn't crashing on one bad headline — it's been ground down for years by decelerating revenue growth (from 30%+ to low-teens), rising competition, a shift toward lower-fee payment volume, and fears that AI will commoditize small-business finance software; most recently Truist downgraded it citing exactly these worries.

Fwd P/E 10.9Op margin 10.5%Rev growth 13.8%Debt/equity 53.4%Analyst upside 18.6%

How this scored 57/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Loss-making today, but operations are profitable (10.5%) and analysts expect positive earnings next year

✅ Generates cash Free cash flow $265M

✅ Not drowning in debt Debt/equity 53.4% (limit 200%)

✅ Can pay its bills Current ratio 1.5 (needs 1+)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 4/25

Operating margin 10.5% 4/9

Net profit margin -0.7% 0/8

Return on equity -0.3% 0/8

Growth Is it getting bigger, or dying? 16/25

Revenue growth 13.8% 6/9

Earnings growth unknown 2/8

Expected profit change 4043.2% 8/8

Value Is it cheap right now? 19/25

Forward P/E 10.9 9/10

PEG ratio 0.5 8/8

Analyst target upside 18.6% 2/7

Balance sheet Will it survive? 18/25

Debt / equity 53.4% 8/10

Current ratio 1.5 3/8

Free cash flow $265M 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-08-21. Research only — not financial advice.