Compounded growth can have a significant impact on your portfolio and progress toward retirement goals. The difference between an 8% annualized return and a 10% annualized return over 20 years is staggering. If you start with a $10,000 portfolio, you will end up with $46,609.57 after 20 years of an 8% annualized return. Raising your annualized return to 10% will result in a $67,275.00 portfolio within the same amount of time. Many investors gravitate toward growth stocks to outperform the market. These asse ...

Looking for a stock that has been consistently beating earnings estimates and might be well positioned to keep the streak alive in its next quarterly report? BILL Holdings (BILL) , which belongs to the Zacks Internet - Software industry, could be a great candidate to consider.This payment processing software company has an established record of topping earnings estimates, especially when looking at the previous two reports. The company boasts an average surprise for the past two quarters of 25.95%.For the m ...

Earnings are arguably the most important single number on a company's quarterly financial report. Wall Street clearly dives into all of the other metrics and management's input, but the EPS figure helps cut through all the noise.Life and the stock market are both about expectations, and rising above what is expected is often rewarded, while falling short can come with negative consequences. Investors might want to try to capture stronger returns by finding positive earnings surprises.Hunting for 'earnings w ...

With the explosive growth of the "Magnificent Seven" stocks, the S&P 500 has put in a sustained rally throughout 2023. Its total return level is 25% this year, more than double its long-run average of a 10% compound annual growth rate (CAGR). But a lot of smaller stocks -- especially unprofitable technology companies -- failed to join the party.Enter Bill Holdings (BILL 2.44%). The financial technology platform for small and medium-sized businesses (SMBs) is down 25% this year despite posting 33% year-over- ...

15 Bill Financial Overview Our financial profile $1,134M Trailing 12mos Revenue1 Scale 24% Core revenue y/y growth2,3 Growth 86% Non-GAAP gross margin2,4 Attractive Margin Profile 87% of Core Revenue3,5,6 From Existing Customers 111% Dollar-based net retention rate7 Land and Expand 5 Quarters Payback period8 Efficient Business Model 1 Total revenue for the 12 months ended September 30, 2023. 2 For the Fiscal Quarter ended September 30, 2023. 3 Core revenue defined as revenue derived from subscription and tr ...

BILL Holdings, Inc. (NYSE:BILL) Q1 2024 Earnings Conference Call November 2, 2023 4:30 PM ET Company Participants Karen Sansot – Vice President-Investor Relations René Lacerte – Founder and Chief Executive Officer John Rettig – President and Chief Financial Officer Conference Call Participants Bryan Keane – Deutsche Bank Brad Sills – Bank of America Taylor McGinnis – UBS Darrin Peller – Wolfe Research Tien-tsin Huang – JPMorgan William Nance – Goldman Sachs Andrew Schmidt – Citigroup Keith Weiss – Morgan St ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _____________________ FORM 10-Q _____________________ (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 001-39149 _____________________ BILL HOLDINGS, INC. (Exact name o ...

Financial Performance - Revenue for fiscal 2023 was $1.1 billion, an increase of 65% from $642.0 million in fiscal 2022[168] - Net losses decreased to $223.7 million in fiscal 2023 from $326.4 million in fiscal 2022[168] - Total payment volume reached $266.0 billion, representing a 17% growth compared to $228.1 billion in fiscal 2022[180] - Transactions processed increased to 85.1 million, a 35% rise from 62.9 million in the prior year[180] - The net dollar-based retention rate was 111% for fiscal 2023, down from 131% in fiscal 2022, attributed to changing spending patterns[139] Customer Growth - The number of businesses using the company's solutions grew to 461,000, a 15% increase from 400,100 in the previous year[180] - The macroeconomic environment has led to lower payment volume growth and net customer additions compared to historical trends[170] Revenue Model - Subscription revenue is primarily based on a fixed monthly or annual rate per user charged to customers, while transaction revenue consists of transaction fees on a fixed or variable rate per type of transaction[140] - The company’s contracts with customers require multiple services, and revenue recognition is impacted by the evaluation of performance obligations[148] Investment and Financing Activities - The annualized interest rate earned on the corporate investment portfolio and funds held for customers increased to 3.51% during fiscal 2023 compared to 0.29% during fiscal 2022[157] - Cash usage for investing activities primarily includes purchases of corporate and customer fund available-for-sale investments and business acquisitions[141] - Cash proceeds from financing activities consist mainly of proceeds from line of credit borrowings and public offerings of common stock[142] - The company issued $1.15 billion in aggregate principal amount of 0% convertible senior notes due on December 1, 2025, which are convertible under certain conditions starting from March 31, 2021[144] Shareholder Actions - A total of 718,498 shares were repurchased during the quarter ended June 30, 2023, with an approximate remaining dollar value of $212,382,647 under the Share Repurchase Program[159] - The company’s share repurchase program has a term of 12 months and allows for repurchases through various methods, depending on market conditions[158] Risk Management - The company plans to diversify banking relationships to mitigate risks associated with banking sector instability[172] - The company has established an allowance for credit losses based on estimates of uncollectible balances, which may fluctuate depending on various factors[150] Partnerships - The company has partnerships with over 85 of the top 100 accounting firms and seven of the top ten largest financial institutions in the U.S.[167] Customer Acquisition - The average payback period for BILL standalone customers acquired during fiscal 2022 was approximately five quarters[178]

BILL Holdings, Inc. (NYSE:BILL) Q4 2023 Earnings Conference Call August 17, 2023 4:30 PM ET Company Participants Karen Sansot - Vice President, Investor Relations Rene Lacerte - Chairman, Chief Executive Officer and Founder John Rettig - Executive Vice President and Chief Financial Officer Conference Call Participants Scott Berg - Needham & Company Bryan Keane - Deutsche Bank William Nance - Goldman Sachs Brent Bracelin - Piper Sandler Kenneth Suchoski - Autonomous Robert Napoli - William Blair Bradley Sill ...

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