Table of Contents 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, 2022 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.COM HOLDIN ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________ FORM 10-K ___________________________________________ (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2022 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.com Holdings, Inc. (NYSE:BILL) Q4 2022 Earnings Conference Call August 18, 2022 4:30 PM ET Company Participants Karen Sansot - Vice President of Investor Relations Rene Lacerte - Chairman, Chief Executive Officer and Founder John Rettig - Executive Vice President and Chief Financial Officer Conference Call Participants Bryan Keane - Deutsche Bank Brad Sills - Bank of America Darrin Peller - Wolfe Research Josh Beck - KeyBanc Andrew Bauch - SMBC Nikko Brent Bracelin - Piper Sandler Samad Samana - Jeffer ...

it Bill.com (NYSE: BILL) Investor Deck May 2022 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 beyo ...

Financial Data and Key Metrics Changes - Total revenue increased by 179% year-over-year, reaching $166.9 million [39] - Organic core revenue grew by 74% year-over-year, amounting to $102.1 million [39] - Non-GAAP gross margin was reported at 84.6%, exceeding expectations [42] - Non-GAAP net loss was $8.7 million, significantly better than anticipated [44] Business Line Data and Key Metrics Changes - Revenue from the Divvy spend management solution increased by 155% year-over-year [39] - Subscription revenue rose to $52.2 million, up 78% year-over-year [41] - Transaction revenue surged to $113.3 million, reflecting a 286% year-over-year increase [41] Market Data and Key Metrics Changes - Total payment volume processed on the platform reached $55 billion, representing a 57% year-over-year growth [37] - The number of Bill.com organic customers increased to 146,600, with 11,600 net new adds in the quarter [33] - The number of spending businesses using Divvy grew to 18,100, more than double from a year ago [35] Company Strategy and Development Direction - The company aims to build an integrated solution by combining Bill.com's AP platform with Divvy's spend management and Invoice2go's accounts receivable capabilities [10] - A focus on enhancing relationships with strategic partners, particularly in the accounting and financial institution sectors, is emphasized [13][15] - The company is scaling its organization to address a large global opportunity and aims to become a multibillion-dollar company [19] Management's Comments on Operating Environment and Future Outlook - Management noted that inflation has had a minimal impact on business operations, with customers seeking efficiency [28][66] - Rising interest rates are expected to provide a significant tailwind, potentially increasing float revenue by $30 million to $35 million annually for every 100 basis points increase [31] - The company anticipates continued strong growth in the upcoming quarters, with Q4 revenue expected to be between $182.3 million and $183.3 million [47] Other Important Information - The company has integrated employees from Divvy and Invoice2go into a unified team [10] - New leadership appointments include a Chief People Officer and a new Board member with extensive experience in the SMB sector [20][22] - The company is focused on enhancing its platform capabilities and expanding its payment offerings [48] Q&A Session Summary Question: What is driving the strong customer adds? - Management attributed the strong customer adds to a multichannel distribution strategy, particularly the partnership with Bank of America [52] Question: Can you explain the revenue model with financial institutions? - The revenue model involves minimum guarantees with financial institution partners, which take time to translate into revenue growth [53] Question: How is the rollout of Instant Transfer and enhanced ACH going? - Management highlighted the importance of these payment options for suppliers and their potential to enhance monetization [61] Question: Are customers delaying purchases due to inflation? - Management reported minimal impact from inflation, noting that businesses are looking for efficiency [66] Question: What are the competitive barriers in the market? - Management emphasized the large market opportunity and the company's robust platform as competitive advantages [77] Question: How does the company plan to maintain customer growth? - The company plans to leverage its multichannel strategy and enhance customer experience to drive growth [92] Question: What is the outlook for profitability as revenue scales? - Management expressed confidence in balancing growth with operational efficiency, aiming for minimal losses [95]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ 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.COM HOLDINGS, INC. (Exact name of registrant as specified in its charter) Delawa ...

Bill.com Holdings, Inc. (NYSE:BILL) Q2 2022 Earnings Conference Call February 3, 2022 4:30 PM ET Company Participants Karen Sansot - Vice President of Investor Relations Rene Lacerte - Founder and Chief Executive Officer John Rettig - Executive Vice President and Chief Financial Officer Conference Call Participants Brent Bracelin - Piper Sandler & Co. Joshua Reilly - Needham & Company, LLC Kenneth Suchoski - Autonomous Research LLP Darrin Peller - Wolfe Research, LLC Bradley Sills - Bank of America Merrill ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2021 OR ☐ 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.COM HOLDINGS, INC. (Exact name of registrant as specified in its charter) Del ...

Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, $0.00001 par value BILL The New York Stock Exchange Emerging growth company ☐ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF ...

Bill.com Holdings, Inc. (NYSE:BILL) Q1 2022 Results Conference Call November 4, 2021 4:30 PM ET Company Participants Karen Sansot - VP, IR Rene Lacerte - Chairman, CEO & Founder John Rettig - EVP, CFO Conference Call Participants Samad Samana - Jefferies Darrin Peller - Wolfe Research Brent Bracelin - Piper Sandler Brad Sills - BofA Securities Josh Beck - KBCM Ken Suchoski - Autonomous Research Scott Berg - Needham & Company Matt VanVliet - BTIG Brian Schwartz - Oppenheimer John Coffey - SIG Joseph Vafi - C ...