BILL NYSE BILL Investor Deck Nov 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 our con ...

BILL Reports First Quarter Fiscal Year 2026 Financial Results SAN JOSE, Calif.--(BUSINESS WIRE) – November 6, 2025 – BILL (NYSE: BILL), the intelligent finance platform trusted by half a million businesses to manage, move and maximize their money, today announced financial results for the first fiscal quarter ended September 30, 2025. "We started fiscal 2026 with strong momentum, expanding BILL's reach and delivering a significant beat on profitability, all while leading a new era of intelligent financial o ...

This story was originally published on CFO Dive. To receive daily news and insights, subscribe to our free daily CFO Dive newsletter. As finance chiefs are asked to take the lead on challenges beyond traditional finance — including technology, legal and operations — they confront their own limits of time and knowledge. BILL Holdings CFO Rohini Jain uses artificial intelligence to overcome such limits. “When I joined BILL, there are so many parts of being a CFO that I had to learn and grow into and withou ...

Core Industry Trends - Software stocks are benefiting from the digitalization wave and strong adoption of AI, including generative AI and Agentic AI [1] - The proliferation of SaaS, migration to cloud platforms, and demand for hybrid work solutions are major tailwinds for software companies [1] - Increased customer-centric approaches and subscription-based models are driving recurring revenues and affordability for small and medium-sized businesses [5] Factors Supporting Software Stocks - The rise of AI-powered applications in various sectors, including voice recognition and telemedicine, is positively impacting software companies [2] - The adoption of cloud-based services, IoT, AR/VR devices, and 5G deployment is aiding software stock performance [3] - Rising cyber threats are prompting enterprises to invest more in cloud-based security solutions, shifting preference towards software-defined models [4] Company-Specific Insights - CoreWeave is expected to report revenues between $1.26 billion and $1.3 billion, with a year-over-year revenue increase of 207% and a backlog of $30.1 billion [8][9] - BILL Holdings anticipates first-quarter revenues of $390.6 million, reflecting a 9% year-over-year increase, while earnings are projected to decline by 19.1% [11] - Affirm Holdings expects first-quarter revenues of $885 million, indicating a 26.7% year-over-year growth, with earnings per share improving from a loss of 31 cents to a profit of 11 cents [14][15] - Unity Software forecasts revenues of $447.6 million for the third quarter, with a slight year-over-year growth of 0.2% and an expected earnings per share improvement from a loss of 31 cents [17] Strategic Developments - CoreWeave is capitalizing on the generative AI boom, focusing on scaling capacity and enhancing services to drive strong momentum [10] - BILL is leveraging AI to enhance its solutions for SMBs and is integrating generative AI to improve customer experience [12][13] - Affirm is expanding its partnerships and entering new markets, including the U.K. and Western Europe, to drive growth [16] - Unity Software is transitioning its product mix towards the AI-powered Unity Vector platform, which is expected to deliver long-term value despite short-term revenue friction [18][19]

Core Viewpoint - BILL Holdings, Inc. has shown significant interest from institutional investors and analysts, with recent earnings exceeding expectations and a share repurchase plan indicating management's confidence in the stock's value [1][4][5]. Institutional Investment Activity - Asset Management One Co. Ltd. increased its holdings in BILL by 22.1%, owning 2,690 shares valued at $124,000 after purchasing 487 additional shares [1]. - FNY Investment Advisers LLC raised its stake by 133.7%, now holding 1,402 shares worth $64,000 after acquiring 802 shares [1]. - Virginia Retirement Systems ET Al invested approximately $884,000 in BILL during the second quarter [1]. - WCM Investment Management LLC boosted its stake by 4.8%, owning 464,155 shares valued at $21,152,000 after acquiring 21,369 shares [1]. - Allianz Asset Management GmbH established a new position worth about $1,332,000 [1]. - Institutional investors collectively own 97.99% of the company's stock [1]. Analyst Ratings Changes - Keefe, Bruyette & Woods raised their price target for BILL from $46.00 to $56.00, maintaining a "market perform" rating [2]. - Oppenheimer increased their price target from $55.00 to $60.00, assigning an "outperform" rating [2]. - Needham & Company LLC reaffirmed a "buy" rating with a price target of $75.00 [2]. - Truist Financial lowered their price target from $63.00 to $61.00 while maintaining a "buy" rating [2]. - Canaccord Genuity Group also reaffirmed a "buy" rating with a $75.00 price target [2]. - The consensus rating for the stock is "Hold" with a price target of $60.10 [2]. Financial Performance - BILL reported an EPS of $0.53 for the last quarter, surpassing analysts' expectations of $0.41 by $0.12 [4]. - The company achieved revenue of $383.35 million, exceeding estimates of $376.43 million, marking an 11.5% year-over-year increase [4]. - BILL's FY 2026 guidance is set at 2.000-2.200 EPS, with Q1 2026 guidance at 0.490-0.520 EPS [4]. Share Repurchase Plan - The Board of Directors approved a share repurchase plan allowing the company to buy back $300 million in shares, representing up to 7.2% of its shares [5]. Company Profile - BILL Holdings, Inc. specializes in financial automation software for small and midsize businesses, offering cloud-based payments and spend management products [6].

Core Insights - The AI-driven bull run that began in 2023 and 2024 continues into 2025, with AI infrastructure developers poised for significant growth [1] - Despite the overall positive trend, several AI stocks have underperformed in 2025, presenting potential growth opportunities [2] Company Summaries Five9 Inc. (FIVN) - Five9 is a contact center software solutions provider benefiting from increased subscription revenues and enterprise AI traction [4][9] - The company offers a virtual contact center cloud platform with applications for customer service, sales, and marketing [5] - FIVN's expected revenue and earnings growth rates for the current year are 10.6% and 16.6%, respectively, with a 4.3% improvement in earnings estimates over the last 90 days [9] TaskUs Inc. (TASK) - TaskUs provides outsourced digital services across various sectors, including social media and e-commerce [11] - The company has formed strategic partnerships to enhance its agentic AI consulting services, driving double-digit growth [12][13] - TASK's expected revenue and earnings growth rates for the current year are 17.8% and 16.3%, respectively, with a 4.2% improvement in earnings estimates over the last 60 days [13] Workday Inc. (WDAY) - Workday's diversified product portfolio and cloud-based business model are key growth drivers, supported by significant investments [15][16] - The company has strong customer wins across various sectors, contributing to its revenue growth [16] - WDAY's expected revenue and earnings growth rates for the current year are 12.7% and 21.1%, respectively, with a 0.3% improvement in earnings estimates over the last 60 days [17] GitLab Inc. (GTLB) - GitLab offers a DevOps platform that enhances visibility and control over the DevOps lifecycle, with significant innovations in its product portfolio [18] - The introduction of GitLab Duo Workflow, a secure agentic AI, is expected to expand its market presence [19] - GTLB's expected revenue and earnings growth rates for the current year are 23.8% and 12.2%, respectively, with a notable 10.7% improvement in earnings estimates over the last 60 days [19] BILL Holdings Inc. (BILL) - BILL Holdings focuses on AI-enabled financial software for small and medium businesses, benefiting from a growing client base [21][22] - The company is enhancing customer experience through its AI-powered financial operations platform [22] - BILL's expected revenue and earnings growth rates for the current year are 10.5% and -3.2%, respectively, with a 0.5% improvement in earnings estimates over the last 30 days [23]

Core Insights - BILL Holdings, Inc. (NYSE:BILL) has experienced a significant decline of approximately 70% but has shown a rebound of about 30% over the past six months [1] - Jim Cramer has recommended buying BILL Holdings based on insights from an interview with Jeff Smith from Starboard, highlighting new directors in the company [1] - Parnassus Investments has re-initiated a position in BILL Holdings, citing its innovative SMB-focused payments automation platform (Bill.com) and significant growth potential in the small-to-medium-sized business market [1] Company Overview - BILL Holdings, Inc. provides a cloud-based financial platform that automates accounts payable and receivable, enhancing digital payments and cash flow management [1] - The company operates an innovative payments automation platform specifically designed for small-to-medium-sized businesses [1] Investment Perspective - While BILL Holdings is recognized for its growth potential, some analysts believe that certain AI stocks may offer greater upside potential with less downside risk [1] - The investment community is actively exploring undervalued AI stocks that could benefit from current market trends, including tariffs and onshoring [1]

Core Insights - Activist investor Jeffrey Smith of Starboard Value presented three high-conviction stock picks at the 13D Monitor Active-Passive Investor Summit in New York this week [1] Company Highlights - The selected stocks include Bill Holdings and two others, indicating a strategic focus on companies with strong potential for value creation [1]

Core Insights - BILL Holdings, Inc. is a leading financial technology company specializing in cloud-based software solutions for small and medium-sized businesses, focusing on automating back-office financial operations [1] Recent Performance - Despite a recent dip of 1.71% over the past 10 days, BILL has shown resilience with a 30-day gain of 2.67%, indicating a positive trend and potential buying opportunities for long-term investors [2][6] Growth Potential - BILL's stock is projected to increase by 5.68%, with a target price set at $55.25, suggesting potential upside from current levels and making it attractive for capital appreciation [3][6] Financial Health - The company has a Piotroski Score of 8, reflecting solid fundamentals including profitability, leverage, liquidity, and operating efficiency, indicating strong financial health and stability [4][6] Overall Investment Appeal - BILL Holdings, Inc. is positioned as a promising investment opportunity within the fintech sector, with recent performance, growth potential, and strong financial health making it appealing for investors [5]

Core Insights - Oracle NetSuite and BILL have formed a strategic partnership to enhance payment processing for US customers [1] - The new BILL-powered payment automation capability is integrated into NetSuite Intelligent Payment Automation [1] - This partnership aims to accelerate accounts payable processes, increase efficiency, and reduce risk for customers [1] Company Overview - Oracle NetSuite is recognized as the 1 AI Cloud ERP [1] - BILL is an intelligent finance platform trusted by half a million businesses [1] Industry Impact - The collaboration is expected to improve the overall payment processing landscape for businesses in the US [1] - Enhanced payment automation could lead to significant operational efficiencies in accounts payable [1]