BILL (NYSE:BILL) Releases Quarterly Earnings Results, Beats Estimates By $0.08 EPS

BILL (NYSE:BILL) announced its quarterly earnings results on Thursday. The company reported $0.64 EPS for the quarter, beating the consensus estimate of $0.56 by $0.08, FiscalAI reports. BILL had a return on equity of 1.39% and a net margin of 0.79%.The business had revenue of $414.67 million for the quarter, compared to analyst estimates of $399.71 million. During the same quarter in the previous year, the firm earned $0.56 EPS. BILL’s quarterly revenue was up 14.4% on a year-over-year basis. BILL updated its Q3 2026 guidance to 0.530-0.570 EPS and its FY 2026 guidance to 2.330-2.410 EPS.

Here are the key takeaways from BILL’s conference call:

• BILL beat Q2 expectations
• Agentic AI is live across the platform — W‑9 agent enabled ~10k customers (40k W‑9s collected; targeting 3M by year‑end), an invoice coding agent cuts ~90% of coding steps, and the BILL Assistant tripled self‑serve rates to ~40%, boosting efficiency and customer stickiness.
• Payments and network momentum: AP card payments volume grew >160% YoY, early Supplier Payments Plus adopters committed ~$400M of annual TPV, and Embed 2.0 partnerships (NetSuite, Acumatica, Paychex) are live and could extend reach toward ~1M businesses.
• Management is shifting toward larger customers and targeted subscription price increases to lift ARPU, which may reduce net new AP/AR customer adds in the near term while aiming to improve long‑term unit economics and margins.

BILL Price Performance

Shares of BILL stock traded up $11.30 during trading hours on Friday, reaching $46.98. 6,390,846 shares of the company were exchanged, compared to its average volume of 3,092,489. The stock’s fifty day moving average is $50.77 and its two-hundred day moving average is $48.94. BILL has a fifty-two week low of $35.46 and a fifty-two week high of $67.54. The company has a debt-to-equity ratio of 0.47, a current ratio of 1.67 and a quick ratio of 1.67. The company has a market cap of $4.71 billion, a price-to-earnings ratio of -174.53, a P/E/G ratio of 5.17 and a beta of 1.30.

More BILL News

Here are the key news stories impacting BILL this week:

• Positive Sentiment: Q2 beat and stronger guidance — BILL reported $0.64 EPS vs. $0.56 expected and revenue of $414.7M vs. $399.7M expected; management raised FY‑26 and Q3 EPS and revenue guidance, which is the primary positive driver for the stock. Read More.
• Positive Sentiment: Needham reaffirmed its buy rating with a $75 price target — a notably bullish read on BILL that supports further upside from investors who follow buy-side coverage. Read More.
• Positive Sentiment: Bullish analysis highlights valuation and platform resilience — a Seeking Alpha piece argues BILL can overcome AI disruption fears, pointing to attractive FY26 multiples and stickiness in subscription/TPV trends. Read More.
• Neutral Sentiment: Earnings call/transcript available — investors can review management detail on growth drivers and margin dynamics in the Q2 call transcript. Read More.
• Neutral Sentiment: Analyst commentary and metric breakdowns — outlets (Zacks, MarketBeat) provide deeper metric comparisons and context on revenue/EPS beats and margin trends that may influence near‑term sentiment. Read More.
• Negative Sentiment: Price‑target cut by Keefe, Bruyette & Woods to $49 (market‑perform) — this reduces some analyst‑driven upside and signals more cautious near‑term expectations despite the beat. Read More.
• Negative Sentiment: BMO lowered its price target to $46 and kept a market‑perform rating — another downdraft from sell‑side revisions that could cap rally momentum for momentum‑driven investors. Read More.

Analyst Upgrades and Downgrades

Several brokerages have recently commented on BILL. Susquehanna lowered their target price on shares of BILL from $89.00 to $84.00 and set a “positive” rating on the stock in a report on Friday, November 7th. Needham & Company LLC restated a “buy” rating and issued a $75.00 price target on shares of BILL in a research report on Friday. Jefferies Financial Group set a $50.00 price objective on shares of BILL in a report on Friday. Truist Financial set a $58.00 target price on shares of BILL in a research note on Tuesday, January 20th. Finally, Weiss Ratings reissued a “sell (d+)” rating on shares of BILL in a report on Monday, December 29th. One investment analyst has rated the stock with a Strong Buy rating, twelve have issued a Buy rating, nine have issued a Hold rating and two have issued a Sell rating to the stock. According to MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and a consensus price target of $57.36.

Insider Buying and Selling

In other news, SVP Germaine Cota sold 1,104 shares of BILL stock in a transaction on Tuesday, December 2nd. The stock was sold at an average price of $51.23, for a total value of $56,557.92. Following the completion of the sale, the senior vice president directly owned 10,812 shares of the company’s stock, valued at approximately $553,898.76. This trade represents a 9.26% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Insiders own 13.20% of the company’s stock.

Institutional Trading of BILL

A number of hedge funds and other institutional investors have recently added to or reduced their stakes in BILL. Caitong International Asset Management Co. Ltd raised its holdings in BILL by 972.0% during the 3rd quarter. Caitong International Asset Management Co. Ltd now owns 536 shares of the company’s stock worth $28,000 after purchasing an additional 486 shares during the last quarter. Tower Research Capital LLC TRC grew its position in shares of BILL by 43.5% during the 2nd quarter. Tower Research Capital LLC TRC now owns 3,469 shares of the company’s stock worth $160,000 after buying an additional 1,052 shares during the period. Quarry LP bought a new stake in shares of BILL during the third quarter worth approximately $199,000. Creative Planning acquired a new position in BILL in the third quarter valued at approximately $261,000. Finally, Sender Co & Partners Inc. acquired a new position in BILL in the second quarter valued at approximately $241,000. 97.99% of the stock is currently owned by institutional investors and hedge funds.

BILL Company Profile

BILL Holdings, Inc provides financial automation software for small and midsize businesses worldwide. The company provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable users to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve office efficiency. It also offers onboarding implementation support, and ongoing support and training services.

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