Value
9.3/10data confidence 67%| Component | Sub-score |
|---|---|
| P/S | 9.0 |
| Fwd P/E | 9.3 |
| PEG | 10.0 |
| Analyst target | 9.0 |
- ▸Forward P/E: 9.6x
- ▸PEG: 0.32
- ▸Attractively valued
BILL · Why this verdict
Why BILL Holdings (BILL) is rated BUY WAIT
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictBUY WAIT
Overall score5.5/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
4.5/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 0.0 |
| ROA | 0.0 |
| Gross margin | 10.0 |
| Op margin | 0.5 |
| Net margin | 0.0 |
| Current ratio | 6.0 |
| FCF quality | 10.0 |
| Moat | 7.1 |
| Rule of 40 | 3.0 |
| Piotroski F | 8.9 |
- ▸Excellent cash conversion: 1000% FCF/NI
- ▸Rule of 40: 24 (fail)
- ▸Strong Piotroski F-Score: 8/9
Growth
5.9/10data confidence 33%| Component | Sub-score |
|---|---|
| Rev growth | 5.9 |
Momentum
2.3/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 3.0 |
| MACD | 0.8 |
| OBV | 4.5 |
| MA position | 1.0 |
| Volume | 2.3 |
- ▸Capitulation risk (RSI 24, below 200MA)
- ▸Below 200-MA, MA slope -2.2%/30d — confirmed downtrend
Sentiment
7.9/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 6.5 |
| Analyst rating | 7.5 |
| Price target | 9.8 |
- ▸Analyst upside: 68%
Insider
3.9/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 4.5 |
| insider conviction | 2.0 |
| holder change | 5.2 |
- ▸Modest insider selling — $1,204,663 (0.038% of mkt cap)
Peer rank
3.7/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 7.9 |
| quality rank | 2.7 |
| growth rank | 4.3 |
Technical
5.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 7.6 |
| support resistance | 9.0 |
| 52w position | 1.3 |
| gap | 5.0 |
Risk (lower is worse)
3.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 2.6 |
| days to cover | 6.6 |
| volatility | 0.0 |
| put call | 0.0 |
| implied vol | 0.7 |
| beta | 6.3 |
| debt equity | 8.0 |
- ▸Elevated put/call: 5.04
- ▸High IV: 76%
Catalyst
7.0/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
| news activity | 5.0 |
- ▸Perfect beat streak: 4Q
How the verdict was assembled
Engine trigger
Mixed signals. Hold existing position. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT).
Engine technical detail
verdict_path:
L4:PATH_F_HOLD_DEFAULT|L3:NEWS_MOD=+2|ENTRY_STICKY:WITHIN_BANDPassed (6)
- ASYMMETRY:4.5>=1.5
- INSIDER:OK
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:64d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (3)
- MOMENTUM:2.3<4.5
- DEATH_CROSS:HARD_BLOCK
- 8K_SERIOUS:2.05
Warning (0)
none
Reward-to-Risk
4.55
Upside
+51.3%
Downside
11.3%
Sizing output
STARTER
SetupFALLING_KNIFE — Death cross, below all MAs, RSI 24, MACD bearish
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — MCap $3.2B<$5B
Investment implication
The default F-path HOLD fired without any positive-conviction gate triggering — no momentum acceleration, no quality+value crossover, no setup recognition. Highest-clear gate: ASYMMETRY:4.5>=1.5. Top dim: Value at 9.3; weakest: Momentum at 2.3. The engine's read is one of pattern absence — no directional conviction in either direction at current asymmetry.
The strongest dimensions are Value at 9.3, Sentiment at 7.9, and Catalyst at 7.0; the weakest are Momentum at 2.3, Risk (lower is worse) at 3.5, and Peer rank at 3.7. The V9 engine flagged 3 failed gates, producing an asymmetric reward-to-risk of 4.55 and an engine sizing output of STARTER.