BILL

BILLB

NYSE / Software & Services

At close

2026-07-18

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

Constructive

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta +45.4.

What can break

Loose peer comparability reduces confidence in using relative software valuation alone to support a stronger directional call.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $41.00 · Bull $48.00 · Bear $33.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-03 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $53.83

Why

Momentum82 · Δ7d +45.4

Value54 · Δ7d -0.5

Sentiment37 · Δ7d -10.3

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+45.4

Δ21d

+69.5

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.5

Δ21d

-0.9

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-10.3

Δ21d

-24.6

Why this grade

Composite grade B. Momentum 81.7 / Value 54.1 / Sentiment 37.2

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$4.45B

Beta

1.31

Shares Out

99.6M

P/E (TTM)

487.2

P/S (TTM)

3.58

P/FCF (TTM)

17.32

Rev YoY

+13.5%

EPS YoY

-207.6%

Gross Margin

+76.9%

Op Margin

-3.5%

Net Debt

-$534.33M

Current Ratio

1.66

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology