BILL Holdings Inc is a provider of software-as-a-service, cloud-based payments and spend and expense management products, which allow users to automate accounts payable and accounts receivable transactions, enable businesses to easily connect with their suppliers or customers to do business, eliminate expense reports, manage cash flows and improve back office efficiency. Initial Public Offering and Follow-on Offering.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	1.34
Equity-to-Asset	0.4
Debt-to-Equity	0.48
Debt-to-EBITDA	292.51
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.92	Distress Grey Safe
Beneish M-Score	-2.34	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	40.6
	3-Year EBITDA Growth Rate	-20.4
	3-Year Book Growth Rate	62.6
	Future 3-5Y EPS without NRI Growth Rate	18.06
	Future 3-5Y Total Revenue Growth Rate	17.76

Momentum Rank

4/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.69
	Quick Ratio	1.69
	Cash Ratio	0.62
	Days Sales Outstanding	8.84
	Days Payable	15.96

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-10.2
	Shareholder Yield %	2.58

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	81.9
	Operating Margin %	-16.35
	Net Margin %	-9.67
	FCF Margin %	18.35
	ROE %	-2.83
	ROA %	-1.19
	ROIC %	-2.96
	ROC (Joel Greenblatt) %	-63
	ROCE %	-1.58

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	Forward PE Ratio	21.4
	PE Ratio without NRI	91.03
	PS Ratio	5.45
	PB Ratio	1.62
	Price-to-Tangible-Book	5.19
	Price-to-Free-Cash-Flow	29.65
	Price-to-Operating-Cash-Flow	26.2
	EV-to-EBIT	-61.69
	EV-to-EBITDA	883.34
	EV-to-Revenue	4.84
	EV-to-FCF	26.39
	Price-to-Net-Current-Asset-Value	6.19
	Earnings Yield (Greenblatt) %	-1.62
	FCF Yield %	3.41

GF Value: $1264.69

LTS:0A75

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