Core Insights - BILL Holdings reported revenue of $414.67 million for the quarter ended December 2025, reflecting a year-over-year increase of 14.4% and surpassing the Zacks Consensus Estimate by 3.73% [1] - The company's EPS for the quarter was $0.64, up from $0.56 in the same quarter last year, resulting in an EPS surprise of 14.96% compared to the consensus estimate [1] Financial Performance Metrics - Total Payment Volume for BILL AP/AR reached $79.9 billion, exceeding the average estimate of $79.38 billion [4] - Total Payment Volume for BILL Spend & Expense was $6.5 billion, above the $6.26 billion average estimate [4] - Overall Total Payment Volume amounted to $95.1 billion, surpassing the average estimate of $93.86 billion [4] - The number of businesses using BILL Spend & Expense solutions was 44,000, slightly above the average estimate of 43,868 [4] - The total number of businesses using BILL solutions was 498,500, which was below the average estimate of 503,904 [4] - Embedded Solutions & Other customers totaled 277,000, exceeding the average estimate of 236,650 [4] - Total Payment Volume for Embedded Solutions & Other was $8.7 billion, higher than the estimated $8.07 billion [4] - Transactions for BILL Spend & Expense reached 19.8 million, compared to the average estimate of 19.45 million [4] - Transactions for BILL AP/AR were 12.8 million, below the average estimate of 13.64 million [4] - Revenue from subscription and transaction fees was $375.13 million, exceeding the average estimate of $364.64 million and representing a 17.4% increase year-over-year [4] - Revenue from interest on funds held for customers was $39.54 million, slightly above the average estimate of $35.97 million, but showed a year-over-year decline of 7.9% [4] Stock Performance - Shares of BILL Holdings have decreased by 33.9% over the past month, while the Zacks S&P 500 composite has increased by 0.5% [3] - The stock currently holds a Zacks Rank 1 (Strong Buy), indicating potential for outperformance in the near term [3]