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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
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +5.0.
What can break
Loose peer comparability reduces confidence in using relative software valuation alone to support a stronger directional call.
Momentum
64
Value
55
Sentiment
45
Setup hits (3d)
0 · Net Neutral
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 2026-08-19 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $57.48
Why
Momentum64 · Δ7d +6.0
Value55 · Δ7d +0.0
Sentiment45 · Δ7d +5.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +5.0.

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: Sentiment · See AI snapshot
Momentum
64
9% active weight
Current posture
7d trendImproving
Δ7d
+6.0
Δ21d
-24.0
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+1.6
Sentiment
45
62% active weight
Current posture
7d trendImproving
Δ7d
+5.0
Δ21d
+5.6
Why this grade

Composite grade D. Momentum 64.1 / Value 54.8 / Sentiment 45.0

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 2026-08-19
Market Cap
$4.83B
Beta
1.31
Shares Out
99.6M
P/E (TTM)
487.2
P/S (TTM)
3.58
P/FCF (TTM)
17.32
Rev YoY
+13.8%
EPS YoY
+175.5%
Gross Margin
+76.9%
Op Margin
+1.1%
Net Debt
-$177.65M
Current Ratio
1.51
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data