BILL Holdings, Inc. (BILL) Stock Analysis
Recovery setup
Technology · Software - Application
Sell if holding. Engine safety override at $37.77: Quality below floor (3.8 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 3.4:1 is above the 1.5:1 BUY gate. Specifically: High short interest: 18%; Elevated put/call ratio: 4.34; Below-average business quality. (Note: Risk dimension 3.4/10 and A.R:R 3.4:1 are different metrics that happen to read the same number here.)
BILL Holdings is a financial operations SaaS platform for SMBs providing accounts payable/receivable automation, spend management (BILL Divvy Card), and B2B payments. As of June 2025, ~493,800 businesses used the platform processing $330B in annual payment volume with 8.3... Read more
Sell if holding. Engine safety override at $37.77: Quality below floor (3.8 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 3.4:1 is above the 1.5:1 BUY gate. Specifically: High short interest: 18%; Elevated put/call ratio: 4.34; Below-average business quality. (Note: Risk dimension 3.4/10 and A.R:R 3.4:1 are different metrics that happen to read the same number here.) Chart setup: Death cross but MACD improving, RSI 62. Score 5.7/10, moderate confidence.
Passes 6/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on death cross (50MA < 200MA) and earnings proximity 7d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Material Events(8-K, last 90d)
- 2026-03-16Item 5.02LOWOn March 11, 2026, CFO Rohini Jain additionally appointed as principal accounting officer with no additional compensation. Routine administrative role addition; no officer departure.SEC filing →
- 2026-01-26Item 5.02LOWAlison Wagonfeld resigned from BILL Board of Directors effective February 6, 2026. Resignation not due to any disagreement with the Company. No successor named for board seat.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers·1 ceiling hit
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Unprofitable operations — net margin -1.6%. Quality floor flags this regardless of sector context.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $37.77: Quality below floor (3.8 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10 and A.R:R 3.4:1 is above the 1.5:1 BUY gate. Specifically: High short interest: 18%; Elevated put/call ratio: 4.34; Below-average business quality. (Note: Risk dimension 3.4/10 and A.R:R 3.4:1 are different metrics that happen to read the same number here.) Chart setup: Death cross but MACD improving, RSI 62. Prior stop was $35.04. Score 5.7/10, moderate confidence.
Take-profit target: $49.11 (+30.3% upside). Prior stop was $35.04. Stop-loss: $35.04.
Quality below floor (3.8 < 4.0).
BILL Holdings, Inc. trades at a P/E of N/A (forward 13.7). TrendMatrix value score: 8.9/10. Verdict: Sell.
31 analysts cover BILL with a consensus score of 3.9/5. Average price target: $55.
What does BILL Holdings, Inc. do?BILL Holdings is a financial operations SaaS platform for SMBs providing accounts payable/receivable automation, spend...
BILL Holdings is a financial operations SaaS platform for SMBs providing accounts payable/receivable automation, spend management (BILL Divvy Card), and B2B payments. As of June 2025, ~493,800 businesses used the platform processing $330B in annual payment volume with 8.3 million network members.