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Bill.com Holdings Financial Strength

: 5 (As of Mar. 2022)
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Bill.com Holdings has the Financial Strength Rank of 5.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.

Bill.com Holdings did not have earnings to cover the interest expense. Bill.com Holdings's debt to revenue ratio for the quarter that ended in Mar. 2022 was 2.79. As of today, Bill.com Holdings's Altman Z-Score is 1.95.


Competitive Comparison

For the Software - Application subindustry, Bill.com Holdings's Financial Strength, along with its competitors' market caps and Financial Strength 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.com Holdings Financial Strength Distribution

For the Software industry and Technology sector, Bill.com Holdings's Financial Strength distribution charts can be found below:

* The bar in red indicates where Bill.com Holdings's Financial Strength falls into.



Bill.com Holdings Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Bill.com Holdings's Interest Expense for the months ended in Mar. 2022 was $-2.5 Mil. Its Operating Income for the months ended in Mar. 2022 was $-83.2 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2022 was $694.5 Mil.

Bill.com Holdings's Interest Coverage for the quarter that ended in Mar. 2022 is

Bill.com Holdings did not have earnings to cover the interest expense.

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Bill.com Holdings's Debt to Revenue Ratio for the quarter that ended in Mar. 2022 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2022 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(1165.205 + 694.459) / 667.644
=2.79

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Bill.com Holdings has a Z-score of 1.95, indicating it is in Grey Zones. This implies that Bill.com Holdings is in some kind of financial stress. If it is below 1.81, the company may faces bankrupcy risk.

Warning Sign:

Altman Z-score of 1.95 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.

* 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.com Holdings  (NYSE:BILL) Financial Strength Explanation

The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.

Bill.com Holdings has the Financial Strength Rank of 5.


Bill.com Holdings Financial Strength Related Terms

Thank you for viewing the detailed overview of Bill.com Holdings's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.


Bill.com Holdings Business Description

Bill.com Holdings logo
Traded in Other Exchanges
Address
1810 Embarcadero Road, Palo Alto, CA, USA, 94303
Bill.com Holdings Inc is a provider of cloud-based software which automates complex back-office financial operations for SMBs. Its artificial-intelligence enabled financial software platform used mostly to build connections between customers, suppliers, and clients. The company's platform generates and process invoices, streamline approvals, send and receive payments, sync with their accounting system, and manage their cash. The firm generates revenue through subscription and transaction fees.
Executives
Alvarez Aida director 5995 PLAZA DRIVE MAIL ST CY20-103 CYPRESS CA 90630
Cota Germaine officer: SVP, Finance & Accounting 675 CREEKSIDE DRIVE CAMPBELL CA 95008
Lenhard Mark officer: COO 930 TAHOE BLVD, SUITE 802 PMB 381 INCLINE VILLAGE NV 89451
Wagner Scott director C/O WILSON SONSINI GOODRICH AND ROSATI 650 PAGE MILL ROAD PALO ALTO CA 94304
Murray Blake Thomas officer: CEO, DivvyPay, LLC C/O BILL.COM HOLDINGS, INC. 6220 AMERICA CENTER DRIVE, SUITE 100 SAN JOSE CA 95002
Kight Peter J director 4411 EAST JONES BRIDGE ROAD NORCROSS GA 30092
Cakebread Steven director YEXT, INC. ONE MADISON AVE., FIFTH FLOOR NEW YORK NY 10010
Mnookin Allison director C/O INTUIT 150 CAMBRIDGE PARK DRIVE CAMBRIDGE MA 02140
Fisher Stephen director C/O EBAY INC. 2065 HAMILTON AVENUE SAN JOSE X1 95125
Kline Katherine M. A. director 100 PIER 1 PLACE FORT WORTH TX 76102
Taylor Colleen director C/O BILL.COM HOLDINGS, INC. 1800 EMBARCADERO ROAD PALO ALTO CA 94303
Clayton Thomas J. officer: Chief Revenue Officer C/O BILL.COM HOLDINGS, INC. 1810 EMBARCADERO ROAD PALO ALTO CA 94303
Chung Bora officer: SVP of Products C/O BILL.COM HOLDINGS, INC. 1810 EMBARCADERO ROAD PALO ALTO CA 94303
August Capital V, L.p. 10 percent owner 2480 SAND HILL RD. SUITE 101 MENLO PARK CA 94025
Dcm Affiliates Fund Iv, L.p. director, 10 percent owner C/O DCM 2420 SAND HILL ROAD, SUITE 200 MENLO PARK CA 94025

Bill.com Holdings Headlines

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