BILL HoldingsBILL +5.63%71 Days Payable is 7.45 as of Mar. 2026, which is 77% below its 10-year median of 32.84. GuruFocus rates BILL with a GF Score™ of 71/100 and a GF Value™ of $66.03 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 2,604 Software companies, BILL Holdings ranks worse than 90.78% on this metric.
The historical rank and industry rank for BILL Holdings's Days Payable or its related term are showing as below:
BILL'
s Days Payable Range Over the Past 10 Years
Min: 10.58 Med: 32.84 Max: 46.37
Current: 10.58
During the past 8 years, BILL Holdings's highest Days Payable was 46.37. The lowest was 10.58. And the median was 32.84.
BILL's Days Payable is ranked worse than 90.78% of 2604
companies
in the Software industry
Industry Median: 53.955
vs BILL: 10.58
BILL Holdings's Days Payable
declined
from Mar. 2025 (10.20) to Mar. 2026 (7.45).
It may suggest that BILL Holdingsaccelerated paying its suppliers.
BILL Holdings Days Payable Related Terms
BILL Holdings Days Payable Historical Data
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The historical data trend for BILL Holdings's Days Payable 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Software Industry
For the Software industry and Technology sector, BILL Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where BILL Holdings's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
BILL Holdings's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Days Payable of 7.45 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on BILL Holdings and its competitors. This is 77% below median its historical median of 32.84. Over the past decade, BILL Holdings' Days Payable has ranged from 10.58 to 46.37. According to the industry distribution chart, BILL Holdings ranks #2364 out of 2604 companies in the Software industry, placing it in the top 90.8%.
Is BILL Holdings' Days Payable too high?
BILL Holdings' current Days Payable of 7.45 is 77% below median its 10-year median of 32.84. Over the past 10 years, this metric has ranged from a low of 10.58 to a high of 46.37. The Software industry median Days Payable is 53.96. BILL Holdings' value of 7.45 is 86.2% below this industry median. Based on the distribution chart, BILL Holdings ranks #2364 out of 2604 companies in the Software industry, which is in the bottom quartile relative to peers. 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' Days Payable compare to KC and RNG?
According to the Software industry distribution chart, BILL Holdings ranks #2364 out of 2604 companies for Days Payable. This places BILL Holdings in the lower half of its industry. The industry median Days Payable is 53.96. BILL Holdings' value of 7.45 is 86.2% below this benchmark. Historically, BILL Holdings' own Days Payable has ranged from 10.58 to 46.37 over the past decade. While the company's 10-year median is 32.84 vs. the industry median of 53.96, 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 Days Payable for a Software company?
The median Days Payable among Software companies is 53.96, based on 2,604 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BILL Holdings's current Days Payable of 7.45 is 86.2% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on BILL Holdings and its competitors. For the Software industry, the median Days Payable is 53.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BILL Holdings's current Days Payable is 7.45, which is 77% below median its own 10-year median of 32.84. 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 $66.03, compared to a current price of $35.26 — trading 46.6% below its estimated fair value. The current Days Payable is 7.45, which is 77% below median its 10-year median of 32.84 and 86.2% below the Software industry median of 53.96. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For BILL Holdings (BILL), the current Days Payable is 7.45 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 $35.26 is trading 46.6% below its estimated GF Value™ of $66.03.
GuruFocus considers BILL Holdings to be Possible Value Trap.
Key valuation signals for BILL:
Days Payable: 7.45 (77% below median its 10-year median of 32.84)
GF Value™: $66.03 vs. price of $35.26 (46.6% below fair value)
Industry Position: 86.2% below the Software median (#2364 of 2604)
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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