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BILL HoldingsBILL -0.65%76 Cash-to-Debt is 1.03 as of Jun. 2026, which is 29% below its 10-year median of 1.46. GuruFocus rates BILL with a GF Score™ of 76/100 and a GF Value™ of $68.75 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 2,842 Software companies, BILL Holdings ranks worse than 63.93% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. BILL Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.03.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, BILL Holdingscould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for BILL Holdings's Cash-to-Debt or its related term are showing as below:
BILL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.03 Med: 1.46 Max: No Debt
Current: 1.03
During the past 9 years, BILL Holdings's highest Cash to Debt Ratio was No Debt. The lowest was 1.03. And the median was 1.46.
BILL's Cash-to-Debt is ranked worse than 63.93% of 2842
companies
in the Software industry
Industry Median: 2.47
vs BILL: 1.03
BILL Holdings (NYSE:BILL) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
BILL Holdings Cash-to-Debt Related Terms
BILL Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for BILL Holdings's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Software - Application subindustry, BILL Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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-to-Debt vs Software Industry
For the Software industry and Technology sector, BILL Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where BILL Holdings's Cash-to-Debt 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-to-Debt of 1.03 as of Jun. 2026. This is 29% below median its historical median of 1.46. Over the past decade, BILL Holdings' Cash-to-Debt has ranged from 1.03 to 10,000.00. According to the industry distribution chart, BILL Holdings ranks #1817 out of 2842 companies in the Software industry, placing it in the top 63.9%.
Is BILL Holdings' Cash-to-Debt too high?
BILL Holdings' current Cash-to-Debt of 1.03 is 29% below median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.47. BILL Holdings' value of 1.03 is 58.3% below this industry median. Based on the distribution chart, BILL Holdings ranks #1817 out of 2842 companies in the Software industry, which is below the industry midpoint. Overall, BILL Holdings has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BILL Holdings' Cash-to-Debt compare to BULL and DAVE?
According to the Software industry distribution chart, BILL Holdings ranks #1817 out of 2842 companies for Cash-to-Debt. This places BILL Holdings in the lower half of its industry. The industry median Cash-to-Debt is 2.47. BILL Holdings' value of 1.03 is 58.3% below this benchmark. Historically, BILL Holdings' own Cash-to-Debt has ranged from 1.03 to 10,000.00 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 2.47, 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-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.47, based on 2,842 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BILL Holdings's current Cash-to-Debt of 1.03 is 58.3% 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Cash-to-Debt is 2.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BILL Holdings's current Cash-to-Debt is 1.03, which is 29% below median its own 10-year median of 1.46. 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 $68.75, compared to a current price of $47.63 — trading 30.7% below its estimated fair value. The current Cash-to-Debt is 1.03, which is 29% below median its 10-year median of 1.46 and 58.3% below the Software industry median of 2.47. BILL Holdings' overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For BILL Holdings (BILL), the current Cash-to-Debt is 1.03 as of Jun. 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 $47.63 is trading 30.7% below its estimated GF Value™ of $68.75.
GuruFocus considers BILL Holdings to be Possible Value Trap.
Key valuation signals for BILL:
Cash-to-Debt: 1.03 (29% below median its 10-year median of 1.46)
GF Value™: $68.75 vs. price of $47.63 (30.7% below fair value)
Industry Position: 58.3% below the Software median (#1817 of 2842)
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.
76GF Score
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