BILL · NYSE · STOCK
Bill Holdings (BILL) Stock Analysis
$44.83
52W $31.41 – $57.21
59/100
$4.46B
-390.5
1.14
Is BILL Bullish or Bearish?
Bullish.
Innellis AI committee rates Bill Holdings (BILL) Buy with a composite score of 59/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.76 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.24 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — 5 consecutive earnings beats -- consistent execution. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.0x is a discount to asset value — Value
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- News sentiment is positive (+0.15 across 13 articles, 14d) — News
Bear Case
- ROE of only -0.3% -- cheap may mean cheap for a reason — Value
- Bollinger bandwidth of 21.5% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 46%
of 287 Technology peers
Value Analyst
neutral
55
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 1.0x is a discount to asset value
− ROE of only -0.3% -- cheap may mean cheap for a reason
Growth Analyst
bullish
77
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 21.5% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
63
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.15 across 13 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 57.9 to 59.2.
- Committee agreement increased notably from 50% to 67%.
- New bearish signals: 1 appeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Technical Analyst.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 54->61 (+8); +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
51.7
Neutral
MACD Histogram
0.072
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$43.27
Resistance
$48.67
Bollinger %B
0.44
Inside Bands
Price vs Moving Averages
EMA 9
$44.38
Above
EMA 21
$45.16
Below
EMA 50
$45.46
Below
EMA 200
$44.48
Above
Fundamental Analysis
Valuation
100
Growth
95
Profitability
25
Financial Health
79
Cash Flow
70
Valuation
P/E Ratio
-390.5×
P/B Ratio
1.27×
PEG Ratio
0.17
Dividend Yield
0.00%
52W High
$57.21
52W Low
$31.41
Quality & Growth
ROE
-31.8%
ROA
-11.0%
Gross Margin
8092.8%
Operating Margin
105.5%
Revenue Growth YoY
—
Debt / Equity
0.54
AI Fundamental Assessment
P/E ratio of -390.5 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of -0.3%; Return on assets of -0.1%; Net margin of -0.7%; Gross margin of 80.9%; Current ratio of 1.51 (tight short-term liquidity); Debt-to-equity of 0.54; Free cash flow per share is positive (4.79); Most recent quarter beat estimates by 16.9%; 5 consecutive earnings beats; EPS growth accelerating (+6.3% -> +23.5% QoQ); Average YoY EPS growth of 58.5%; Analyst estimates rising over recent quarters
Get the Full BILL Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →