BILL's Quality Score rose 3 points on Mon, Nov 9, to 12. A profit of $52M over the last four quarters, up 336% from $12M the four before.
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Down 84% over five years while the S&P 500 rose 72%; up 14% in the past year.
| Since its Nov 2021 high | Down 84% |
| Its score | Up:Highest Quality Score since Feb 2025 |
| Latest filing | 10-Q, Nov 6 |
Tue Nov 10: Citi 15th Annual FinTech Conference 2026Investor conference · date confirmed.
5 more dates ahead: conferences and the meeting, for Pro members.
After its last 4 reports it closed +12.6% on average, higher 3 of 4 times.
Above Averagefor quality, not price, 8 of 14 chart checks firingWhat the Quality Score means
Well above its recent run. BILL scores 12 today, against a median of 5.5 over its last 20 recorded sessions.
BILL is #58 of 268 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 58 |
Net income over four quarters: BILL $52.0M, CPAY $1.24B, RELY $364M, WU $334M.
Expected to report Thu Feb 4, after the close (in 86 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Sales of $353.8M, 13% more than a year ago; a profit of $0.61 a share, from a loss of $0.03.
| Line | Q1 FY27 | Q1 FY26 |
|---|---|---|
| Subscription and Transaction Fees | $316M | $277M |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 6)
| Measure | Figure |
|---|---|
| Year-over-year total revenue growth | 10% to 12% |
Sales grew 47% a year over 5 years, fiscal 2021 to 2026.
Its share count grew 3.8% a year over 5 years.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Nov 5, 2026 | -1.4% | +3.0% | not yet |
| Aug 19, 2026 | +2.7% | -0.7% | +0.8% |
| May 7, 2026 | +8.9% | +11.1% | +4.9% |
Sales grew every year from 2019 to 2026, to $1.7B. It lost money in 2026 after a profit in 2025.
RSI 64.3, MACD above signal, above both averages. Not scored.
One insider sold $12.5M across 10 filings in the last 6 months. No open-market buys on record. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: BILL is under 0.1% of FTEC, under 0.1% of VGT, and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Aug 31, 2026.
BILL Holdings Inc is the intelligent finance platform trusted by nearly half a million businesses and their accountants to manage, move, and maximize their money. It powers businesses ranging from fast-moving startups to growing companies with complex operations. It use artificial intelligence (AI) to deliver strategic finance capabilities in one integrated platform that includes accounts payable (AP), accounts receivable (AR), expenses, forecasting, procurement, and more. The company operates as one operating segment. Its products are Accounts Payable, Accounts Receivable, Accountant Console, Pay By Card, ACH Payments, International Payments, Invoicing, Approvals, Integrations, Controls, Mobile App, and Security. Its solutions are Construction, Education, Healthcare, Hospitality, etc.
“Our primary competition remains the legacy manual processes that SMBs have relied upon for decades.”
BILL scores 12 today, which Breakaway calls Above Average. It is #58 of 268 in Software by Quality Score, with 8 of 14 chart checks firing. Down 84% over five years while the S&P 500 rose 72%; up 14% in the past year. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
BILL scores 12 today, which Breakaway calls Above Average (11 to 14). That is #58 of 268 in Software by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind BILL's 12.
One insider sold $12.5M across 10 filings in the last 6 months. No open-market buys on record. The newest is Rene A. Lacerte, CEO, who sold $4.9M on Sep 2. Every filing, with the scored weight, for Pro members.
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Insider and Congress trades, the chart, and the financials, in one score.
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