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.
Bill.com Holdings, Inc.
BILLTechnology · Software - Application · NYSE
$44.97
P/E -14757.6×
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
Investor model analysis
Details lockedAt $44.97, 3 of 4 frameworks say Avoid
Intrinsic Value (DCF)
Warren Buffett's valuation model · select an investor above to switch
Intrinsic Value
Locked — upgrade to viewBuy Below
Locked — upgrade to viewStrong Buy
Locked — upgrade to viewMargin of Safety
Locked — upgrade to viewUnlock buy targets with a free account
Get startedCreate a free account to see buy targets, full checklists & risk analysis Get started
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.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| Lacerte Rene A.CEO | Sell | 10,970 | $547K | Sep 3, 2026 |
| Lacerte Rene A.CEO | Sell | 15,372 | $769K | Sep 3, 2026 |
| Lacerte Rene A.CEO | Sell | 5,752 | $291K | Sep 3, 2026 |
| Lacerte Rene A.CEO | Sell | 10,154 | $513K | Sep 3, 2026 |
| Lacerte Rene A.CEO | Sell | 10,636 | $511K | Sep 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 tradeScenario 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
Company financials
5-Year Financials
Income statement highlights — annual, USD
| Metric | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 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 Flow | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view |
Full analysis included
See the complete picture for BILL
Exact buy targets, margin of safety, detailed investor checklists, and risk breakdown — all frameworks, all numbers.
Free: 3 analyses/month · Pay per stock: $4.99 · Pro: $19.99/mo
More Technology stocks
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.