Core Viewpoint - BILL Holdings experienced a significant decline in share price by 36.2% following weaker-than-expected revenue guidance and challenges from foreign exchange volatility impacting monetization [1] Financial Performance - In Q2 fiscal 2025, BILL reported revenues of $362.6 million, reflecting a year-over-year increase of 13.8%, driven by a 16.3% growth in core revenues [6][14] - The company processed $85 billion across 30 million transactions, indicating high user engagement and an expanding customer base [9] - For Q3 fiscal 2025, BILL expects revenues between $352.5 million and $357.5 million, suggesting year-over-year growth of 9-11% [14] Growth Drivers - The growth was fueled by AI-enabled automation capabilities and a refined go-to-market strategy, focusing on delivering value to small and medium-sized businesses (SMBs) [7][10] - BILL's platform saw over 480,000 businesses using its automation tools, reflecting a broad increase in users [8] - The company introduced new features like embedded 1099 functionality, enhancing the platform's appeal to SMBs [11] Market Position and Partnerships - BILL's expanding customer base includes partnerships with companies like Adyen and Regions Financial, which enhance its digital payment solutions [12][13] - The partnership with Regions Bank aims to simplify payments and improve cash management for commercial clients [13] Earnings Estimates - The Zacks Consensus Estimate for Q3 fiscal 2025 revenues is $355.32 million, indicating year-over-year growth of 10% [15] - The consensus mark for fiscal 2025 revenues is pegged at $1.46 billion, indicating year-over-year growth of 13.19% [15][16] Valuation - BILL stock is currently considered overvalued, with a forward 12-month Price/Sales ratio of 3.97X, higher than the industry average of 3.33X [17] Investment Outlook - Despite recent challenges, BILL's expanding customer base, robust product portfolio, and focus on automation position the company for sustained success [20] - The company maintains strong cash generation, with a free cash flow margin of 20% in Q2 fiscal 2025 [20]

Core Viewpoint - BILL Holdings (BILL) has experienced a significant downtrend, with a stock price decline of 25.3% over the past four weeks, but it is now in oversold territory, suggesting a potential turnaround due to improved earnings expectations from analysts [1]. Group 1: Stock Performance and Technical Indicators - The stock has been under heavy selling pressure, indicated by an RSI reading of 21.44, which suggests that the selling may be exhausting itself and a reversal could be imminent [5]. - A stock is generally considered oversold when its RSI falls below 30, making the current RSI reading a critical indicator for potential price recovery [2][3]. Group 2: Earnings Estimates and Analyst Consensus - Over the last 30 days, the consensus EPS estimate for BILL has increased by 2.9%, indicating a positive trend in earnings revisions that typically correlates with price appreciation [6]. - There is strong agreement among sell-side analysts regarding the company's ability to report better earnings than previously predicted, which supports the case for a potential stock turnaround [1][6]. Group 3: Zacks Rank and Investment Potential - BILL currently holds a Zacks Rank of 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, further indicating its potential for a near-term turnaround [7].

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]

Core Insights - BILL Holdings reported earnings of 56 cents per share for Q2 fiscal 2025, exceeding the Zacks Consensus Estimate by 19.15% and showing a year-over-year increase of 9.8% [1] - Revenues reached $362.6 million, a 13.8% increase year over year, surpassing the consensus estimate by 0.83% [1] - The company processed a total payment volume (TPV) of $84.5 billion, reflecting a 12.8% year-over-year growth [2] Revenue Breakdown - Core revenues, which include subscription and transaction fees, amounted to $319.6 million, with subscription fees at $67.7 million (up 7% year over year) and transaction fees at $251.9 million (up 19% year over year) [5] - Revenues from the Integrated Platform were $300.7 million, increasing 16.2% year over year, contributing 94.1% to core revenues [6] - Revenues from Embedded and Other Solutions were $18.9 million, up 16% year over year, contributing 5.9% to core revenues [6] Customer and Transaction Metrics - BILL's solutions served 481.3 thousand businesses, up from 473.5 thousand in the prior year, with 198.4 thousand customers in the Integrated Platform (up 13.5%) and 282.9 thousand in Embedded and Other Solutions (down 5.3%) [3] - The company processed 30 million transactions in Q2, marking a 17.2% year-over-year increase [3] Financial Performance - Non-GAAP gross profit was $308.9 million, a 12.9% increase year over year, with a gross margin of 85.2%, down 70 basis points [8] - Non-GAAP operating income reached $62.8 million, representing a 41.8% year-over-year growth, with an operating margin expansion of 340 basis points to 17.3% [9] Cash Flow and Share Repurchase - As of December 31, 2024, cash, cash equivalents, and short-term investments totaled $2.21 billion, up from $1.47 billion as of September 30, 2024 [10] - The cash flow from operations was $78.7 million in Q2, compared to $88.6 million in Q1 [10] - The company repurchased 2.3 million shares for $200 million during the fiscal second quarter [11] Future Guidance - For Q3 fiscal 2025, BILL expects revenues between $352.5 million and $357.5 million, indicating a year-over-year growth of 9-11% [12] - For the full fiscal 2025, revenues are projected between $1.45 billion and $1.47 billion, implying a 13-14% year-over-year growth [12]

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 ...

BILL Holdings, Inc. (NYSE:BILL) Q2 2025 Earnings Conference Call February 6, 2025 4:30 PM ET Company Participants Karen Sansot - Vice President, Investor Relations Rene Lacerte - Chairman, Chief Executive Officer and Founder John Rettig - President and Chief Financial Officer Conference Call Participants Chris Quintero - Morgan Stanley Tien-Tsin Huang - JPMorgan Andrew Schmidt - Citigroup Kenneth Suchoski - Autonomous Darrin Peller - Wolfe Research Samad Samana - Jefferies Bryan Keane - Deutsche Bank Alexan ...

For the quarter ended December 2024, BILL Holdings (BILL) reported revenue of $362.55 million, up 13.8% over the same period last year. EPS came in at $0.56, compared to $0.63 in the year-ago quarter.The reported revenue represents a surprise of +0.83% over the Zacks Consensus Estimate of $359.56 million. With the consensus EPS estimate being $0.47, the EPS surprise was +19.15%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determ ...

BILL Holdings (BILL) came out with quarterly earnings of $0.56 per share, beating the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.63 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 19.15%. A quarter ago, it was expected that this payment processing software company would post earnings of $0.49 per share when it actually produced earnings of $0.63, delivering a surprise of 28.57%.Over the last f ...

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 December 31, 2024 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, I ...