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BILL

BILLD
NYSE / Software & Services
Last Price
Quote time unavailable
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Current thesis
Pre-earnings setup is supported by fresh product cadence: BILL Travel expands Spend & Expense, while Supplier Payments Plus adds more enterprise-facing payment orchestration, both of which fit management’s touchless-finance platform narrative.
Posture
Defensive
Lead driver
Value
What changed
2 setup hits (3d) with net bullish as of 2026-10-24.
What can break
Loose peer comparability reduces confidence in using relative software valuation alone to support a stronger directional call.
Momentum
42
Value
55
Sentiment
34
Setup hits (3d)
2 · Net Bullish
AI TargetsBase $41.00 · Bull $48.00 · Bear $33.00Analysis 2026-05-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Bullish
Target $57.43
Why
Momentum42 · Δ7d -1.1
Value55 · Δ7d -0.5
Sentiment34 · Δ7d -8.5
So what
Weak posture (Net Bullish). Prioritize risk control and patience.

Confirming evidence

  • • 2 setup hits (3d) with net bullish as of 2026-10-24.
  • • Value remains the lead driver in the composite, 7D delta -0.5.

Contradictions & invalidation

  • • Loose peer comparability reduces confidence in using relative software valuation alone to support a stronger directional call.
  • • Near-term thesis risk is high because the key earnings event had not occurred as of May 3, 2026 despite the queue labeling this as a T+3 follow-up.
  • • The most important earnings-specific evidence is still missing because the actual Q3 FY2026 report is scheduled for May 7, 2026, so there is no confirmed revenue/EPS surprise, no guidance revision read-through, and no verified post-print analyst revision signal yet.

Catalyst clock

2026-05-07

Q3 FY2026 earnings is the key unresolved near-term event [#PR-2026-04-22]

Lead driver: Value · See fundamentals
Momentum
42
8% active weight
Current posture
7d trendSoftening
Δ7d
-1.1
Δ21d
-13.8
Value
55
47% active weight
Current posture
7d trendFlat
Δ7d
-0.5
Δ21d
-0.4
Sentiment
34
45% active weight
Current posture
7d trendSoftening
Δ7d
-8.5
Δ21d
-21.9
Why this grade

Composite grade D. Momentum 41.9 / Value 55.3 / Sentiment 34.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-05-03. Scenario method

B+
Bull case
25%
Probability
Target price
$48.00
Analysis reference price unavailable
Analysis 2026-05-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$41.00
Analysis reference price unavailable
Analysis 2026-05-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$33.00
Analysis reference price unavailable
Analysis 2026-05-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.32B
Beta
1.31
Shares Out
85.28M
P/E (TTM)
487.2
P/S (TTM)
3.58
P/FCF (TTM)
17.32
Rev YoY
+13.8%
EPS YoY
+175.5%
Gross Margin
+76.9%
Op Margin
+1.1%
Net Debt
-$177.65M
Current Ratio
1.51
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data