BILL Holdings $BILL Read from its own SEC filings · nothing written, nothing inferred
🫧 Edgar looked up BILL Holdings, Inc. ($BILL). Last filing: 10-K, 2026-08-20. 12 event filings (8-K) in the past twelve months.
🔖 Exposure: revenue $1.7B (FY2026), total debt $1.8B. Experience: revenue up 13.0% on the year, up 26.7% a year over 4 years; operating margin -4.4%, up from -5.5%. Soundness: equity 34.6% of assets, return on equity -0.3%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $1.2B and $2.9B next year (method v4.1: its own 5-year record of growth weighed at 57% against $1B–10B filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $871.6M to $3.9B. A statistical range, not company guidance. Against peers (140 filers, $50M+ revenue, services-prepackaged software): operating margin -4.4% against a 0.9% median; growth 13.0% against 13.0%.
Speed and cash · fiscal 2025
Both views must agree for a label · a description, not advice.
| Cash flow (op · inv · fin · free) | $416M · −$29M · −$173M · $412M |
| Investment book (cash · short · long) | $1.0B · $1.3B · $1.4B · current ratio 1.51 · unrealized −$2M |
| Revenue swing · equity of assets | 39.3% · 37.6% |
BILL Holdings is growing faster than its size class, with revenue that swings more. Its own audited SEC figures.
The figures, as filed
| Fiscal year end | 2026-06-30 |
| Revenue | $1.7B |
| Revenue, on the year | 13.0% |
| Revenue, a year over the record | 26.7% |
| Operating margin | −4.4% |
| Operating margin, prior year | −5.5% |
| Net margin | −0.7% |
| Research and development | $301M · 18.2% of revenue |
| Total debt | $1.8B |
| Equity of assets | 34.6% |
| Return on equity | −0.3% |
| Payout of profit | — |
| Dividend per share | — |
| Earnings per share | $-0.11 |
| Book value per share | $35.33 |
| Revenue per share | $16.55 |
| Shares outstanding | 99,918,000 |
| Audited years read | 5 |
Peers: the median of 140 filers with $50M+ revenue in services-prepackaged software.
Health HarborBILL Holdings sails as: Weathered boat
Health watch · 12 monthsRestructuring or exit costsDirector or officer change ×7
Sailing speed follows growth: 31.6% a year crosses the harbor in 30 seconds.
🌊 Visit the Bay →- filed restructuring or exit costs in the last 12 months
- revenue is hard to predict: its 80% range is ±41%
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
- 10-K · 2026-08-20
- 8-K · 2026-08-19 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits
- 8-K · 2026-05-26 · 5.02 Departure or Election of Directors; Appointment of Officers; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits
- 10-Q · 2026-05-08
- 8-K · 2026-05-07 · 2.02 Results of Operations and Financial Condition; 2.05 Costs Associated with Exit or Disposal Activities; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits
- 8-K · 2026-03-16 · 5.02 Departure or Election of Directors; Appointment of Officers
Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company