D/E 0.50 — near the Technology debt median (≈60th pctile)
P/S2.5xA-
P/S 2.5x — cheaper than most Technology peers (≈25th pctile)
PEG0.40A
PEG 0.40 — exceptional; paying well under fair value for growth
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 69.9
Quality0.42
Growth0.89
Value0.92
Why this score
Buying back stock
Entry · Margin of safety
52-week rangeMid-range
29% off the 12-month high
vs DCF fair value49% belowest. fair value ~$79
Quality signals · context only
Gross profitability13% · C+gross profit ÷ total assets (Novy-Marx)
ROIC-0.9% · Freturn on invested capital — not score-weighted
Why now
Software - Application · market cap $4.0b. Down 29% from 52-week high of $57.21 — deep drawdown territory. Revenue growing +13%, comfortably above the S&P median. PEG 0.40 — paying under fair value for the growth rate. 22 sell-side analysts publish a mean 1-yr target of $53.64 (implying +32% upside).
Moat
Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Net margin 0.0% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 0% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
Horizon
1-3 yr $53.64 (22-analyst consensus) — catalyst-driven; binary events dominate. 5 yr $93.81 — requires the platform / technology to reach commercial scale. 10 yr $237.90 — return distribution heavily skewed.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Position sizing · BILL
$
%
%
Shares to buy
49
Position size
$1,985
4.0% of portfolio
Stop price
$30.39
25% below $40.52
$ at risk if stopped
$496.37
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
BILL Holdings, Inc. (BILL): score, valuation & FAQ
BILL Holdings, Inc. (BILL) is a Software - Application company that scores 69.9 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are PEG (A), P/S (A-) and Rev (B+). On valuation, BILL sits about 49% below our discounted-cash-flow fair value (a margin of safety).
Is BILL a good stock to buy?
Bull Rankings scores BILL 69.9 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by PEG (A), P/S (A-) and Rev (B+). A score is a quantitative screen of BILL Holdings, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does BILL score 69.9 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). BILL earns its highest marks on PEG (A), P/S (A-) and Rev (B+). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is BILL overvalued or undervalued?
Based on $40.52, BILL sits about 49% below our discounted-cash-flow fair value (a margin of safety). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in BILL?
Net margin 0.0% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 0% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.