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BILL HoldingsBILL -3.48%71 Cash Ratio is 0.50 as of Mar. 2026, which is 6% below its 10-year median of 0.53. GuruFocus rates BILL with a GF Score™ of 71/100 and a GF Value™ of $66.21 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 2,812 Software companies, BILL Holdings ranks worse than 61.91% on this metric.
BILL Holdings has a Cash Ratio of 0.50. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for BILL Holdings's Cash Ratio or its related term are showing as below:
BILL'
s Cash Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.53 Max: 0.88
Current: 0.5
During the past 8 years, BILL Holdings's highest Cash Ratio was 0.88. The lowest was 0.10. And the median was 0.53.
BILL's Cash Ratio is ranked worse than 61.91% of 2812
companies
in the Software industry
Industry Median: 0.78
vs BILL: 0.50
BILL Holdings (NYSE:BILL) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
BILL Holdings Cash Ratio Related Terms
BILL Holdings Cash Ratio Historical Data
* Premium members only.
The historical data trend for BILL Holdings's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Application subindustry, BILL Holdings's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BILL Holdings Cash Ratio vs Software Industry
For the Software industry and Technology sector, BILL Holdings's Cash Ratio distribution charts can be found below:
* The bar in red indicates where BILL Holdings's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BILL Holdings (BILL) has a Cash Ratio of 0.50 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on BILL Holdings and its competitors. This is near median its historical median of 0.53. Over the past decade, BILL Holdings' Cash Ratio has ranged from 0.10 to 0.88. According to the industry distribution chart, BILL Holdings ranks #1741 out of 2812 companies in the Software industry, placing it in the top 61.9%.
Is BILL Holdings' Cash Ratio too high?
BILL Holdings' current Cash Ratio of 0.50 is near median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.88. The Software industry median Cash Ratio is 0.78. BILL Holdings' value of 0.50 is 35.9% below this industry median. Based on the distribution chart, BILL Holdings ranks #1741 out of 2812 companies in the Software industry, which is below the industry midpoint. Overall, BILL Holdings has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BILL Holdings' Cash Ratio compare to BULL and ADEA?
According to the Software industry distribution chart, BILL Holdings ranks #1741 out of 2812 companies for Cash Ratio. This places BILL Holdings in the lower half of its industry. The industry median Cash Ratio is 0.78. BILL Holdings' value of 0.50 is 35.9% below this benchmark. Historically, BILL Holdings' own Cash Ratio has ranged from 0.10 to 0.88 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 0.78, BILL Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Software company?
The median Cash Ratio among Software companies is 0.78, based on 2,812 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BILL Holdings's current Cash Ratio of 0.50 is 35.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on BILL Holdings and its competitors. For the Software industry, the median Cash Ratio is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BILL Holdings's current Cash Ratio is 0.50, which is near median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BILL Holdings stock overvalued right now?
Based on GuruFocus' analysis, BILL Holdings (BILL) is currently considered Possible Value Trap. The stock's GF Value™ is $66.21, compared to a current price of $41.37 — trading 37.5% below its estimated fair value. The current Cash Ratio is 0.50, which is near median its 10-year median of 0.53 and 35.9% below the Software industry median of 0.78. BILL Holdings' overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For BILL Holdings (BILL), the current Cash Ratio is 0.50 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BILL Holdings (BILL) Overvalued in 2026?
Based on GuruFocus' analysis, BILL Holdings stock appears to be undervalued.
The current stock price of $41.37 is trading 37.5% below its estimated GF Value™ of $66.21.
GuruFocus considers BILL Holdings to be Possible Value Trap.
Key valuation signals for BILL:
Cash Ratio: 0.50 (near median its 10-year median of 0.53)
GF Value™: $66.21 vs. price of $41.37 (37.5% below fair value)
Industry Position: 35.9% below the Software median (#1741 of 2812)
No single metric tells the full story. See the BILL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
71GF Score
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