Core Viewpoint - BILL Holdings (BILL) has experienced a significant decline in share price, dropping 49.7% year-to-date, compared to declines of 10.4% in the Zacks Computer & Technology sector and 5.6% in the Zacks Internet - Software sector, primarily due to broader market weaknesses and regulatory concerns [1] Group 1: Company Performance and Market Position - The company is benefiting from increased platform adoption, AI-driven automation, expanded payment solutions, and partnerships that enhance its small and medium-sized business (SMB) ecosystem [2] - BILL is strengthening its position in the financial technology sector with an expanding portfolio, which has been crucial for its success [3] - In Q2 of fiscal 2025, BILL's platform was utilized by over 480,000 businesses, with nearly $85 billion in payment volume processed across 30 million transactions, indicating strong engagement and effectiveness in streamlining financial processes for SMBs [5] Group 2: Product Enhancements and Client Engagement - In December 2024, BILL introduced new features, including embedded 1099 functionality, which simplified tax form filing and increased the platform's appeal to SMBs, with 5% of customers completing nearly 200,000 1099 filings [4] - The company's partnerships with Regions Financial and Adyen have been key catalysts for expanding its SMB clientele, enhancing digital payment solutions and integrating advanced capabilities into its financial operations platform [6][7] Group 3: Financial Guidance and Earnings Estimates - For Q3 of fiscal 2025, BILL expects revenues between $352.5 million and $357.5 million, reflecting a year-over-year growth of 9-11%, with non-GAAP earnings projected between 35 cents and 38 cents per share [8] - The Zacks Consensus Estimate for Q3 revenues is $355.27 million, indicating a year-over-year growth of 9.98%, while the consensus for earnings is 38 cents per share, showing a year-over-year decline of 40% [9][10] - For fiscal 2025, revenues are expected to be between $1.45 billion and $1.47 billion, implying a 13-14% year-over-year growth, with non-GAAP earnings projected between $1.87 and $1.97 per share [8] Group 4: Competitive Landscape - Despite expanding its SMB clientele, BILL faces stiff competition from accounting software providers like SAP and Intuit, which are enhancing their offerings in the SMB sector [11] - Intuit's recent launch of Tap to Pay on iPhone for QuickBooks Online customers highlights the competitive pressure on BILL, as it enables seamless, secure payments for SMBs [12]

Core Insights - Bill Holdings is a SaaS company that provides a platform for small and midsize businesses to manage financial operations, leveraging AI technology for efficiency [1] - The company experienced significant revenue growth during the COVID-19 pandemic, but growth has since slowed, with the stock currently around 85% below its all-time high despite a revenue growth rate above 20% [2] - Bill's net dollar-based retention rate is 92%, indicating a decline in customer spending, which is lower than most other SaaS companies [3] Financial Performance - Bill Holdings reported a 22% year-over-year revenue growth in fiscal 2024, with an adjusted gross margin of 85% and an adjusted operating margin of 17% [4] - The company serves over 480,000 businesses, highlighting its substantial market presence [4] Market Opportunity - There are 34 million small and midsize businesses in the U.S. and over 72 million globally, indicating a large market opportunity for Bill Holdings [5] - The demand for automation in complex processes continues to grow, and the company is investing in innovation to enhance its platform [5] Stock Volatility - Bill's stock has shown significant volatility, trading between approximately $27 and $349 per share over the past five years, suggesting a turbulent future [6] - If the company can maintain rapid growth and capture market share, it has the potential for a bright future [6]

Core Insights - BILL Holdings' shares have declined 20.4% in the past month, underperforming the broader Zacks Computer and Technology sector and the Zacks Internet - Software industry [1] - The company is facing a sluggish revenue forecast for Q3 fiscal 2025, impacted by trade policy changes and rising operating expenses [2] - A shift in payment volumes towards lower gross interchange categories has pressured BILL's profitability [3][4] Revenue and Earnings Estimates - For Q3 fiscal 2025, BILL expects revenues between $352.5 million and $357.5 million, indicating a year-over-year growth of 9-11%, a slowdown from the previous quarter's projection of 12-13% [5] - Non-GAAP earnings are projected between 35 cents and 38 cents per share, with a consensus mark of 38 cents, reflecting a year-over-year decline of 36.67% [6] - For fiscal 2025, revenues are expected between $1.45 billion and $1.47 billion, implying 13-14% year-over-year growth [6] Market Position and Growth Strategies - BILL Holdings has a strong long-term outlook, driven by an expanding customer base and strategic fintech collaborations [8] - The company processed approximately $85 billion in payment volume across 30 million transactions in Q2 fiscal 2025, indicating strong customer engagement [11] - BILL is enhancing its platform with international payment options and an embedded 1099 filing service to simplify tax compliance for SMBs [10][13] Strategic Initiatives - The company is actively investing in its go-to-market strategy to expand its presence in the accounting firm market, targeting over 40,000 CPA firms in the U.S. [12] - BILL's focus on automation, AI-driven financial solutions, and digital payment capabilities is enhancing its platform's value [14]

Bill.com (BILL 0.66%) offers a portfolio of software products designed to help small and mid-sized businesses (SMBs) handle their accounts payable, accounts receivable, and expense management workflows more efficiently.When the company went public in December 2019, it was investing heavily in growth, which led to soaring revenues. Investors were thrilled with that strategy, even though it caused steep losses at the bottom line, and they sent Bill.com stock soaring from $22 to $334 within two years -- an eye ...

BILL Holdings (BILL) shares have plunged 36.2% since the company reported second-quarter fiscal 2025 results on Feb. 6. The decline was due to the company’s weaker-than-expected revenue guidance and challenges from FX volatility impacting monetization.Click here to check the details of BILL’s second-quarter fiscal 2025 results.BILL shares have outperformed the Zacks Computer & Technology sector and its Zacks Internet - Software industry peer Intuit (INTU) in the trailing six months. While BILL’s shares have ...

A downtrend has been apparent in BILL Holdings (BILL) lately with too much selling pressure. The stock has declined 25.3% over the past four weeks. However, given the fact that it is now in oversold territory and Wall Street analysts are majorly in agreement about the company's ability to report better earnings than they predicted earlier, the stock could be due for a turnaround.How to Determine if a Stock is OversoldWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, f ...

Group 1: Momentum Investing Overview - Momentum investing involves following a stock's recent trend, with the aim of buying high and selling higher, capitalizing on established price movements [1] - The Zacks Momentum Style Score helps define momentum characteristics, with BILL Holdings currently holding a Momentum Style Score of B [2][3] Group 2: BILL Holdings Performance Metrics - BILL Holdings has a Zacks Rank of 2 (Buy), indicating strong potential for outperformance in the market [3] - Over the past week, BILL shares increased by 3.08%, outperforming the Zacks Internet - Software industry, which rose by 0.43% [5] - In the last month, BILL shares rose by 16.8%, compared to the industry's 6.15% [5] - Over the past quarter, BILL shares increased by 11.54%, and over the last year, they rose by 27.19%, while the S&P 500 only moved 2.97% and 24.31%, respectively [6] Group 3: Trading Volume and Earnings Outlook - BILL's average 20-day trading volume is 2,205,951 shares, indicating a bullish sign with rising stock prices [7] - In the past two months, 2 earnings estimates for BILL moved higher, increasing the consensus estimate from $1.77 to $1.78 [9] - For the next fiscal year, 3 earnings estimates have also moved upwards, with no downward revisions [9] Group 4: Conclusion - Given the positive performance metrics and earnings outlook, BILL Holdings is positioned as a promising investment opportunity with a Momentum Score of B [11]

BILL Holdings (BILL) reported earnings of 56 cents per share in the second quarter of fiscal 2025, beating the Zacks Consensus Estimate by 19.15% and increasing 9.8% year over year.Revenues of $362.6 million increased 13.8% year over year and surpassed the consensus mark by 0.83%. The top line was driven by 16.3% growth in BILL’s core revenues.The company processed $84.5 billion in total payment volume (TPV) in the reported quarter, which increased 12.8% year over year. This included $77.1 billion in TPV in ...

Group 1 - The Q4 earnings season has led to sharp emotional reactions from investors due to disappointing earnings reports, indicating nervousness in the market as it approaches all-time high valuations [1] - Investors are increasingly concerned that stocks need to demonstrate strong performance to justify their high valuations [1] - Gary Alexander, with extensive experience in technology and startups, provides insights into current industry themes and has been a contributor to Seeking Alpha since 2017 [1]

BILL NYSE BILL Investor Deck February 2025 Safe harbor This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are statements other than statements of historical facts, and statements in the future tense. Forward-looking statements are based on our expectations as of the date of this presentation and are subject to a number of risks, uncertainties and assumptions, many of which involve factors or circumstances that are beyond ou ...