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BILL HoldingsBILL +1.70%71 3-1 Month Momentum % is -17.06% as of Jul. 20, 2026. GuruFocus rates BILL with a GF Score™ of 71/100 and a GF Value™ of $66.34 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 2,834 Software companies, BILL Holdings ranks worse than 70.32% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-20), BILL Holdings's 3-1 Month Momentum % is -17.06%.
The industry rank for BILL Holdings's 3-1 Month Momentum % or its related term are showing as below:
BILL's 3-1 Month Momentum % is ranked worse than 70.32% of 2834
companies
in the Software industry
Industry Median: -8.055
vs BILL: -17.06
BILL Holdings (NYSE:BILL) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
BILL Holdings 3-1 Month Momentum % Related Terms
BILL vs BULL, ADEA, MNDY: 3-1 Month Momentum % Comparison
For the Software - Application subindustry, BILL Holdings's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Software Industry
For the Software industry and Technology sector, BILL Holdings's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where BILL Holdings's 3-1 Month Momentum % falls into.
BILL Holdings (NYSE:BILL) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 3-1 Month Momentum % of -17.06% as of Jul. 20, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on BILL Holdings and its competitors. According to the industry distribution chart, BILL Holdings ranks #1993 out of 2834 companies in the Software industry, placing it in the top 70.3%.
Is BILL Holdings' 3-1 Month Momentum % too high?
BILL Holdings' current 3-1 Month Momentum % is -17.06%. Based on the distribution chart, BILL Holdings ranks #1993 out of 2834 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' 3-1 Month Momentum % compare to BULL and ADEA?
According to the Software industry distribution chart, BILL Holdings ranks #1993 out of 2834 companies for 3-1 Month Momentum %. This places BILL Holdings in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Software company?
A good 3-1 Month Momentum % depends on the Software industry context. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on BILL Holdings and its competitors. BILL Holdings's current 3-1 Month Momentum % is -17.06%. 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 $66.34, compared to a current price of $45.47 — trading 31.5% below its estimated fair value. The current 3-1 Month Momentum % is -17.06%. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For BILL Holdings (BILL), the current 3-1 Month Momentum % is -17.06% as of Jul. 20, 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 $45.47 is trading 31.5% below its estimated GF Value™ of $66.34.
GuruFocus considers BILL Holdings to be Possible Value Trap.
Key valuation signals for BILL:
3-1 Month Momentum %: -17.06%
GF Value™: $66.34 vs. price of $45.47 (31.5% below fair value)
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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