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Is Bill.com Holdings, Inc. (BILL) Undervalued? Valuation & Fair Price

At $44.97, 3 of the 4 frameworks would pass on Bill.com Holdings, Inc. today — Warren Buffett, Benjamin Graham, and Phil Town (Rule #1) rate it Avoid and Peter Lynch rates it Hold. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.

BI

Bill.com Holdings, Inc.

BILL

Technology · Software - Application · NYSE

$44.97

P/E -14757.6×

CEO

Rene A. Lacerte

Sector

Technology

Industry

Software - Application

Bill.com Holdings, Inc. offers a powerful cloud-based platform designed to streamline, digitize, and automate the core financial operations for small and medium-sized businesses worldwide. Through its software-as-a-service (SaaS) model, the company provides sophisticated cloud payment solutions and spend management tools. These offerings empower businesses to fully automate both accounts payable and accounts receivable processes, foster seamless connections with their suppliers and clients, abolish traditional expense reports, optimize cash flow, and significantly enhance overall office efficiency. Beyond its core products, Bill.com also furnishes comprehensive support services, covering initial implementation assistance, ongoing technical help, and educational training. Its diverse client base encompasses accounting firms, financial service organizations, and various software enterprises. Established in 2006, Bill.com Holdings, Inc. maintains its corporate headquarters in San Jose, California.

Investor scorecard

How the four investors rate Bill.com Holdings, Inc.

3 of 4 frameworks urge caution

Warren Buffett
19%Avoid
Benjamin Graham
50%Avoid
Peter Lynch
67%Hold
Phil Town (Rule #1)
18%Avoid

Investor model analysis

Details locked

At $44.97, 3 of 4 frameworks say Avoid

Business Quality39/100

Intrinsic Value (DCF)

Warren Buffett's valuation model · select an investor above to switch

Intrinsic Value

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Buy Below

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Strong Buy

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Margin of Safety

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Insider & congress activity

Are insiders buying BILL?

Over recent SEC Form 4 filings, BILL insiders bought $0 and sold $15.9M of stock across 16 open-market trades. Insiders sell for many reasons, but they buy for one.

Bought $0Sold $15.9M
Recent open-market insider trades for BILL
InsiderActionSharesValueDate
Lacerte Rene A.CEOSell10,970$547KSep 3, 2026
Lacerte Rene A.CEOSell15,372$769KSep 3, 2026
Lacerte Rene A.CEOSell5,752$291KSep 3, 2026
Lacerte Rene A.CEOSell10,154$513KSep 3, 2026
Lacerte Rene A.CEOSell10,636$511KSep 2, 2026

Members of Congress have also reported 13 trades in BILL. See the full insider & congress timeline.

Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.

See the interactive insider chart & every trade

Scenario analysis

Bear, base & bull

Three growth assumptions, three fair values — and where today's price lands

What's working

Key strengths

Identified by Buffett framework analysis

Gross Margin

Positive Free Cash Flow

Risk factors & concerns — free account

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Company financials

5-Year Financials

Income statement highlights — annual, USD

Metric20262025202420232022
Revenue$1.7B
$1.5B
$1.3B
$1.1B
$642M
Rev. Growth+13.0%+13.4%+21.9%+64.9%—
Net Income-$11M$24M-$29M-$224M-$326M
Net Margin-0.7%1.6%-2.2%-21.1%-50.8%
EPS (Diluted)$-0.11$0.23$-0.27$-2.11$-3.21
Free Cash FlowLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to view

Full analysis included

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Exact buy targets, margin of safety, detailed investor checklists, and risk breakdown — all frameworks, all numbers.

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Educational Use Only · Not Financial Advice

Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.