Core Insights - Ramp has acquired Billhop, enhancing its regional expertise and support for customers in the UK and Europe [1] - The acquisition allows Ramp to open its first international offices in London and Stockholm [1] - Ramp plans to onboard UK and EU businesses directly starting this summer and aims to double its UK headcount within the next 12 months [2] Company Strategy - Ramp's co-founder and CEO Eric Glyman emphasized the importance of the acquisition for expanding Ramp's services to UK and EU companies [2] - The company aims to build its European team across various functions, including go-to-market and partnerships [2] Customer Impact - Ramp's median customer saves 5% and grows revenue by 16% in their first year [3] - Nearly half of Ramp's customers engage in international transactions across over 180 countries weekly [3] - Ramp supports global operations with payment capabilities and local currency cards in multiple countries, including Canada, Australia, Japan, Mexico, and Singapore [3] Industry Perspective - Billhop's CEO Niklas Bothén highlighted that joining Ramp will enable a larger scale of operations to facilitate cross-border payments [4] - The acquisition secures Ramp's regulatory foothold in the EU, enhancing its competitive position in the payments industry [4]

Company Overview - The company champions small and midsize businesses with a mission to simplify business connections[6,9] - The company operates an essential financial operations platform encompassing spend management, accounts payable, and accounts receivable[10,11] - As of September 30, 2025, the company has 498,000 businesses using its solutions and 83 million network members as of June 30, 2025[15,41] - The company's platform facilitates approximately $357 billion in annualized run rate total payment volume[41] Market Opportunity - The U S opportunity includes 34 million SMBs and sole proprietors, a $75 billion SMB software spend, and $36 trillion in B2B payment volume[21] - The global opportunity encompasses 72 million SMBs and sole proprietors, a $344 billion SMB software spend, and $135 trillion in B2B payment volume[21] Financial Performance - The company's trailing 12 months revenue is $15 billion[47] - The company's core revenue year-over-year growth is 14%[47] - The company's non-GAAP gross margin is 84%[15,47] - 86% of core revenue is derived from existing customers[48]

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 ...