BILL Holdings, Inc. Financial Ratios — BILL1 Stock

Profitability (USD)

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Return on Common Equity (%)	- -	- -	- -	-6.09	-9.93	-5.5	-0.7	0.59	-0.3
Return on Assets (%)	- -	-0.57	-1.58	-2.36	-4.29	-2.37	-0.31	0.25	-0.11
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	0.64	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	-1.17	- -
Gross Margin (%)	70.13	72.39	75.16	74.06	77.41	81.67	81.82	81.4	80.93
EBITDA Margin (%)	-8.48	-6.14	-19	-43.21	-35.72	-18.9	-5.5	0.6	2.61
Operating Margin (%)	-12.05	-9.05	-21.7	-47.83	-49.35	-27.94	-11.36	-5.51	1.06
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	5.05	64.39	38.27	51.45
Pretax Margin (%)	-11.08	-6.89	-19.69	-58.48	-51.51	-21.06	-2.04	2.08	-0.61
Profit Margin (%)	-11.09	-6.75	-19.73	-41.43	-50.84	-21.14	-2.24	1.63	-0.68
Net Income to Common Margin (%)	-11.09	-6.75	-19.73	-41.43	-50.84	-21.14	-2.24	1.63	-0.68
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	21.74	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	-6.09	-9.93	-5.5	-0.7	0.59	-0.3

Credit (USD)

Credit Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Total Debt	10	- -	2	1,076	1,856	1,912	977	1,773	1,885
ST Debt	4	- -	2	- -	75	135	- -	213	123
LT Debt	6	- -	- -	1,076	1,781	1,777	977	1,559	1,762
Total Debt/EBITDA	-1.73	-0.07	-0.08	-10.45	-8.09	-9.56	-13.76	200.53	43.72
Net Debt/EBITDA	2.34	13.58	19.08	-4.66	-0.77	-1.11	1.01	76.48	18.68
Total Debt/EBIT	-1.22	-0.05	-0.07	-9.44	-5.86	-6.47	-5.61	-22	-25.66
Net Debt/EBIT	1.65	9.21	16.71	-4.21	-0.56	-0.75	0.41	-8.39	-10.96
EBITDA to Interest Expense	-12.89	-8.06	-130.75	-3.66	-24.35	-24.29	-5.49	0.64	2.22
EBITDA-CapEx/Interest Expense	-17.68	-13.27	-183.48	-4.33	-24.92	-25.21	-5.56	0.12	2.05
EBIT to Interest Expense	-18.31	-11.88	-149.34	-4.05	-33.64	-35.9	-11.32	-5.83	0.9
Interest Expense	- -	1	- -	28	9	8	13	14	19
Common Equity/Total Assets	-9.9	-6.73	29.56	42.38	43.69	42.4	45.04	38.89	34.55
Long-Term Debt/Equity (%)	- -	- -	- -	42.54	44.04	43.5	23.63	39.84	49.89
Long-Term Debt/Capital (%)	-6.31	- -	- -	29.84	30.18	29.63	19.11	27.42	32.53
Long-Term Debt/Total Assets (%)	0.57	- -	- -	18.03	19.24	18.44	10.64	15.5	17.24
Total Debt/Equity (%)	-9.32	-0.48	0.32	42.54	45.89	46.8	23.63	45.29	53.38
Total Debt/Capital (%)	-10.28	-0.48	0.32	29.84	31.46	31.88	19.11	31.17	34.8
Total Debt/Total Assets (%)	0.92	0.03	0.1	18.03	20.05	19.85	10.64	17.62	18.44
Net Debt to Equity	12.66	87.97	-80.39	18.97	4.37	5.45	-1.74	17.27	22.8
Net Debt/Capital (%)	11.24	46.92	-409.93	15.5	4.1	5.08	-1.74	14.54	18.36
EBITDA	-6	-7	-30	-103	-229	-200	-71	9	43
EBITDA-CapEx	-8	-11	-42	-122	-235	-208	-72	2	40
Operating Income (Loss)	-8	-10	-34	-114	-317	-296	-147	-81	17

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Cash Ratio	0.1	0.12	0.42	0.5	0.79	0.71	0.39	0.48	0.39
Current Ratio	1.09	1.12	1.42	1.55	1.84	1.78	1.55	1.58	1.51
Quick Ratio	0.1	0.13	0.42	0.57	0.88	0.84	0.57	0.64	0.56
CFO/Avg Current Liab	- -	- -	- -	- -	-0.01	0.05	0.07	0.08	0.09
Common Equity/Total Assets	-9.9	-6.73	29.56	42.38	43.69	42.4	45.04	38.89	34.55
Long-Term Debt/Equity (%)	- -	- -	- -	42.54	44.04	43.5	23.63	39.84	49.89
Long-Term Debt/Capital (%)	-6.31	- -	- -	29.84	30.18	29.63	19.11	27.42	32.53
Long-Term Debt/Total Assets (%)	0.57	- -	- -	18.03	19.24	18.44	10.64	15.5	17.24
Total Debt/Equity (%)	-9.32	-0.48	0.32	42.54	45.89	46.8	23.63	45.29	53.38
Total Debt/Capital (%)	-10.28	-0.48	0.32	29.84	31.46	31.88	19.11	31.17	34.8
Total Debt/Total Assets (%)	0.92	0.03	0.1	18.03	20.05	19.85	10.64	17.62	18.44
CFO/Total Liabilities	-0.74	-0.24	-0.26	0.13	-0.35	3.38	5.53	5.7	6.22
CFO/CapEx	-4.08	-0.92	-0.37	0.24	-3.36	24.74	285.63	48.68	124.72
Altman's Z-Score	- -	- -	- -	- -	- -	1.65	1.05	0.76	0.55

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Accounts Receivable Turnover	- -	32.35	36.44	21.2	30.38	40.49	45.85	48.44	52.2
Days Sales Outstanding	- -	11.28	10.02	17.21	12.02	9.01	7.96	7.54	6.99
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Market Capitalization	- -	- -	- -	- -	- -	12,051	6,295	4,666	3,489
- Cash & Cash Equivalents	22	90	574	510	1,597	1,617	986	1,038	1,031
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	10	- -	2	1,076	1,856	1,912	977	1,773	1,885
Enterprise Value	- -	- -	- -	- -	- -	11,303	5,685	4,220	3,436
Total Capital	-92	-102	713	3,606	5,900	5,998	5,111	5,687	5,415
Total Debt/Capital (%)	-10.28	-0.48	0.32	29.84	31.46	31.88	19.11	31.17	34.8
Total Debt / EV	- -	- -	- -	- -	- -	0.17	0.17	0.42	0.55
EV/Sales	- -	- -	- -	- -	- -	10.68	4.41	2.89	2.08
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	477.32	79.71
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	11.67	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	11.91	- -
Diluted Market Cap	- -	- -	- -	- -	- -	11,986	6,263	4,706	3,787
Diluted Enterprise Value	- -	- -	- -	- -	- -	11,238	5,653	4,261	3,734
EV per Share	- -	- -	- -	- -	- -	106.09	53.31	40.97	37.32
TTM Sales	65	108	158	238	642	1,058	1,290	1,463	1,653
TTM EBITDA	-6	-7	-30	-103	-229	-200	-71	9	43
TTM Operating Income	-8	-10	-34	-114	-317	-296	-147	-81	17
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	361	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	354	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Price/Free Cash Flow	- -	- -	- -	- -	- -	66.52	22.55	13.7	9.18
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	11,303	5,685	4,220	3,436
Low Price	- -	- -	- -	- -	- -	113.1	59.03	45.29	37.9
EV/Sales	- -	- -	- -	- -	- -	10.68	4.41	2.89	2.08
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	477.32	79.71
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	197.1	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	216.89	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	231.98	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	197.1	- -
Price/Book Value	- -	- -	- -	- -	- -	2.95	1.52	1.19	0.99
Price/Book Value Average	- -	- -	- -	- -	- -	2.95	2.17	1.31	1.29
Price/Book Value High	- -	- -	- -	- -	- -	2.95	3	1.4	1.43
Price/Book Value Low	- -	- -	- -	- -	- -	2.95	1.52	1.19	0.99
Price/Tangible Book Value	- -	- -	- -	- -	- -	9.07	4.32	3.6	3.59
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	9.07	6.15	3.97	4.7
Price/Tangible Book Value High	- -	- -	- -	- -	- -	9.07	8.53	4.24	5.18
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	9.07	4.32	3.6	3.59
Price/Sales	- -	- -	- -	- -	- -	11.32	4.85	3.21	2.29
Price/Sales Average	- -	- -	- -	- -	- -	11.32	6.91	3.53	3
Price/Sales High	- -	- -	- -	- -	- -	11.32	9.58	3.77	3.31
Price/Sales Low	- -	- -	- -	- -	- -	11.32	4.85	3.21	2.29
Price/Cash Flow	- -	- -	- -	- -	- -	63.84	22.47	13.38	9.11
Price/Cash Flow Average	- -	- -	- -	- -	- -	63.84	31.97	14.72	11.93
Price/Cash Flow High	- -	- -	- -	- -	- -	63.84	44.32	15.75	13.15
Price/Cash Flow Low	- -	- -	- -	- -	- -	63.84	22.47	13.38	9.11
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	66.52	32.08	15.08	12.02
Price/Free Cash Flow High	- -	- -	- -	- -	- -	66.52	44.48	16.13	13.26
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	66.52	22.55	13.7	9.18
EV/Sales Average	- -	- -	- -	- -	- -	10.68	6.47	3.21	2.73
EV/Sales High	- -	- -	- -	- -	- -	10.68	9.15	3.45	3.02
EV/Sales Low	- -	- -	- -	- -	- -	10.68	4.41	2.89	2.08
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	530.31	104.79
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	570.72	115.66
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	477.32	79.71
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	113.1	59.03	45.29	37.9
High Price	- -	- -	- -	- -	- -	113.1	116.45	53.31	54.73
Enterprise Value Average	- -	- -	- -	- -	- -	11,303	8,347	4,688	4,517
Enterprise Value High	- -	- -	- -	- -	- -	11,303	11,808	5,046	4,986
Enterprise Value Low	- -	- -	- -	- -	- -	11,303	5,685	4,220	3,436

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Shares Outstanding	70	70	80	95	105	107	107	103	92
Diluted Weighted Avg Shares	83	83	44	82	101	106	106	104	100
Basic Weighted Avg Shares	83	83	44	82	101	106	106	104	100
Revenue per Share	0.78	1.31	3.59	2.89	6.34	9.99	12.16	14.12	16.55
EBITDA per Share	-0.07	-0.08	-0.68	-1.25	-2.26	-1.89	-0.67	0.09	0.43
Operating Income per Share	-0.09	-0.12	-0.78	-1.38	-3.13	-2.79	-1.38	-0.78	0.17
Basic EPS, GAAP	-0.09	-0.09	-0.71	-1.2	-3.22	-2.11	-0.27	0.23	-0.11
Basic EPS from Cont Ops	-0.09	-0.09	-0.71	-1.2	-3.22	-2.11	-0.27	0.23	-0.11
Diluted EPS, GAAP	-0.09	-0.09	-0.71	-1.2	-3.22	-2.11	-0.27	0.23	-0.11
Diluted EPS from Cont Ops	-0.09	-0.09	-0.71	-1.2	-3.22	-2.11	-0.27	0.23	-0.11
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.1	-0.05	-0.1	0.06	-0.18	1.77	2.63	3.39	4.16
Free Cash Flow per Basic Share	-0.13	-0.1	-0.38	-0.17	-0.23	1.7	2.62	3.32	4.13
Cash & Equivalents per Share	1.33	2.33	8.76	12.33	25.83	24.97	14.89	21.54	21.05
Book Value per Share	-1.47	-1.48	8.92	26.77	38.61	38.35	38.77	38	38.35
Tangible Book Value per Share	-1.47	-1.48	8.92	3.6	11.92	12.46	13.65	12.57	10.56