BILL

BILL Holdings, Inc.
NYSEUSDEQUITY Technology DELAYED
Last price
43.96
▼ 0.53 (1.19%)
MARKET · —

Price

1D — H — L — Range — Vol —
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
44.55
Prev close
44.49
Day high
44.79
Day low
43.54
Volume
1.39M
Market cap
$3.75B
P/E (TTM)
—
52W range
31.41 – 57.21

Day trading desk

Current session · delayed
Gap from prior close
+0.13%
Prior close 44.49
VWAP
43.96
+0.01% from price
Relative volume
1.14×
Normal
Session range
2.88%
43.54 – 44.79
Position in range
33%
Mid range
ATR (14D)
1.72
3.92% of price
Prior day high
44.64
PDH
Prior day low
43.39
PDL
Bid / ask spread
—
Quote not published
Session volume
2.47M
Avg 2.17M

VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.

Trailing performance

Price return · vs SPY
Returnvs SPY
1W
+4.87% +2.9%
1M
-10.58% -11.7%
3M
+11.86% +7.3%
6M
+14.84% -3.3%
YTD
-19.40% -33.6%
1Y
-17.59% -34.0%
3Y
-59.51% -141.8%
5Y
— —

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Unusual options activity

Account required
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
Free account required

Contracts trading at or above their open interest, ranked by notional and where the print landed.

Free account

5 more panels on BILL open with an account.

Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.

Insider net activity

6m · Form 4 rollup
Net shares
-76.44K
Net selling
Buy transactions
7
257.90K shares
Sell transactions
4
334.34K shares
Net transactions
+11
Buys less sells
Sell : buy shares
1.3 : 1
Mixed
Insider-held shares
3.61M
Total on file
Bought 257.90KSold 334.34K

Insider transactions

Account required
DateInsiderAction SharesValueHeld
Sep 3, 26
LACERTE RENE A
Chief Executive Officer
SELL 257.24K $12.53M
Sep 1, 26
JAIN ROHINI
Chief Financial Officer
SELL 33.47K $1.60M Direct
Aug 31, 26
CIERI MICHAEL
Officer
SELL 10.75K $528.38K Direct
Aug 28, 26
LACERTE RENE A
Chief Executive Officer
— 48.92K — Direct
Aug 28, 26
CIERI MICHAEL
Officer
— 19.43K — Direct
Aug 28, 26
JAIN ROHINI
Chief Financial Officer
— 62.07K — Direct
May 29, 26
CIERI MICHAEL
Officer
SELL 32.88K $1.20M Direct
May 28, 26
MOSS KENNETH A
Chief Technology Officer
— 25.67K —
May 28, 26
LACERTE RENE A
Chief Executive Officer
— 31.29K — Direct
May 28, 26
BOWMAN MARY KAY
Officer
— 18.93K — Direct
May 28, 26
CIERI MICHAEL
Officer
— 51.59K — Direct
Feb 27, 26
MOSS KENNETH A
Chief Technology Officer
— 25.67K —
Feb 27, 26
LACERTE RENE A
Chief Executive Officer
— 31.29K — Direct
Feb 27, 26
BOWMAN MARY KAY
Officer
— 18.93K — Direct
What this is, and what it is not

These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.

A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.

This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.

Free account required

Officer and director trades in their own stock, straight from Form 4 filings.

Insider holders

10 reporting
NameRelationShares heldLatest
BOWMAN MARY KAY
Officer 67.76K Conversion of Exercise of derivative security
COTA GERMAINE
Officer 10.81K Sale
HORNIK DAVID M
Director 43.70K Conversion of Exercise of derivative security
JACOBS BRIAN DAVID
Director 229.50K Conversion of Exercise of derivative security
KIGHT PETER J
Director 34.08K Conversion of Exercise of derivative security
KLINE KATHERINE M. A.
Director 11.03K Conversion of Exercise of derivative security
LACERTE RENE A
Chief Executive Officer — Sale
MOSS KENNETH A
Chief Technology Officer — Conversion of Exercise of derivative security
RETTIG JOHN R
Chief Operating Officer 212.50K Conversion of Exercise of derivative security
WAGNER SCOTT W.
Director 14.71K Conversion of Exercise of derivative security

Fundamentals

TTM · reported
Market cap$3.75B
Enterprise value$3.71B
Revenue (TTM)$1.65B
Gross profit$1.39B
EBITDA$100.10M
Net income$-11.24M
EPS (TTM)$-0.11
Free cash flow$222.84M
Total cash$1.94B
Total debt$1.90B
Book value / share$38.35
Shares outstanding85.28M
Float75.46M
Short % of float17.56%
Dividend yield0.00%
Beta (5Y)1.14

Valuation & profitability ratios

Account required
Trailing P/E—
Forward P/E10.15
PEG ratio0.43
Price / sales—
Price / book1.15
EV / revenue2.24
EV / EBITDA37.05
Gross margin83.94%
Operating margin9.70%
Profit margin-0.68%
Return on equity-0.30%
Return on assets0.11%
Debt / equity53.74
Current ratio1.51
Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

Financial statements

As reported · 5 years · 6 quarters
Blank means not reported, not zero
Line item2026202520242023YoY
Total revenue $1.65B$1.46B$1.29B$1.06B +13.0%
Operating revenue $1.65B$1.46B$1.29B$1.06B +13.0%
Cost of revenue $315.30M$272.10M$234.62M$193.98M +15.9%
Gross profit $1.34B$1.19B$1.06B$864.49M +12.4%
Research & development $300.57M$340.06M$336.75M$314.63M -11.6%
Selling, general & admin $915.62M$825.62M$756.20M$764.91M +10.9%
Total operating expense $1.32B$1.27B$1.20B$1.16B +3.9%
Operating income $17.45M-$80.60M-$146.58M-$295.77M +121.6%
Net interest income $65.54M$72.34M$103.12M$76.08M -9.4%
Pre-tax income -$10.13M$30.41M-$26.32M-$222.92M -133.3%
Tax provision $1.11M$6.61M$2.56M$808.00K -83.2%
Net income -$11.24M$23.80M-$28.88M-$223.72M -147.2%
Net income to common -$11.24M$23.80M-$28.88M-$223.72M -147.2%
Basic EPS -0.110.23-0.27-2.11 -147.8%
Diluted EPS -0.110.23-0.27-2.11 -147.8%
EBIT $9.30M$44.23M-$13.38M-$214.68M -79.0%
EBITDA $125.86M$133.68M$89.79M-$119.00M -5.9%
Basic shares 99.92M103.57M106.10M105.98M -3.5%
Diluted shares 99.92M103.91M106.10M105.98M -3.8%

Options analytics

Account required
Put / call volume
0.06
Call-heavy session
Put / call open interest
0.27
Positioning, not flow
Max pain
44.50
+1.2% from spot
ATM implied vol
70.4%
Nearest strike to spot
Skew (10% OTM)
+79.3%
Puts bid over calls
Call volume
904
Contracts, this expiry
Put volume
55
Contracts, this expiry
Heaviest call OI
49.00
702 contracts
Heaviest put OI
42.00
68 contracts

Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.

Free account required

Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.

Earnings

History & consensus estimates
Reported vs expected · EPS
QuarterEst.ActualSurprise
Jun 2026 0.710.84 +18.5%
Mar 2026 0.550.68 +23.2%
Dec 2025 0.560.64 +14.2%
Sep 2025 0.510.61 +20.8%
Forward consensus
PeriodEPSAnalystsRevenueGrowth
Current quarter 0.98 18 $438.62M +10.8%
Next quarter 0.89 17 $453.33M +9.3%
Current year 3.70 21 $1.83B +10.7%
Next year 4.33 19 $2.01B +9.6%

Analyst targets & ownership

Account required
Mean target$57.20
High target$75.00
Low target$43.00
Implied upside30.12%
Analyst count20
ConsensusBUY
Strong buy / Buy3 / 10
Hold9
Sell / Strong sell0 / 0
Held by insiders4.23%
Held by institutions118.03%
Institutions holding463
Free account required

Price targets, consensus spread, insider and institutional ownership.

Moving averages & technicals

Computed from 2Y daily closes
SMA 10
43.70
+0.58% from price
SMA 20
45.86
-4.14% from price
SMA 50
47.32
-7.10% from price
SMA 100
42.58
+3.25% from price
SMA 200
43.18
+1.80% from price
EMA 12
44.46
-1.14% from price
EMA 26
45.61
-3.63% from price
EMA 50
45.57
-3.53% from price
RSI (14)
42.6
Neutral
MACD (12,26,9)
-1.15
Hist -0.22
ATR (14)
1.72
3.92% of price
Realised vol 30D
38.4%
Annualised
Bollinger upper
50.78
20, 2σ
Bollinger lower
40.94
20, 2σ
50 / 200 cross
Golden
47.32 vs 43.18
Trend bias
Above 200
+1.80%

Options chain

Account required
Expiry
Spot 43.96
Calls
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Puts
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

Risk profile

Daily returns · 1Y window
Beta vs SPY
1.50
More volatile than market
Correlation to SPY
0.31
Loosely linked
Realised vol 30D
38.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-43.2%
Peak to trough
Max drawdown 5Y
-90.7%
Peak to trough
ATR 14
1.72
3.92% of price
Beta (reported)
1.14
5Y monthly, from filing

Short interest

Semi-monthly exchange report · lags by ~2 weeks
Shares short
10.94M
Prior 10.55M
Change vs prior
+3.7%
Shorts adding
% of float
17.56%
Elevated
% of shares out
12.83%
Against total outstanding
Days to cover
5.1
Crowded exit
Float
75.46M
Freely tradeable shares

Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.

Rating changes

314 on file
DateFirm ActionFromTo
Sep 1, 26 Truist Securities MAINTAINED Hold Hold
Aug 25, 26 Wolfe Research MAINTAINED Outperform Outperform
Aug 20, 26 Jefferies MAINTAINED Buy Buy
Aug 20, 26 Goldman Sachs MAINTAINED Buy Buy
Aug 20, 26 Morgan Stanley MAINTAINED Equal-Weight Equal-Weight
Aug 20, 26 BMO Capital MAINTAINED Market Perform Market Perform
Aug 20, 26 Keefe, Bruyette & Woods MAINTAINED Market Perform Market Perform
Aug 20, 26 UBS MAINTAINED Buy Buy
Aug 20, 26 BTIG MAINTAINED Buy Buy
Jul 24, 26 Truist Securities MAINTAINED Hold Hold
Jun 22, 26 TD Cowen INITIATED — Buy
Jun 10, 26 Truist Securities DOWNGRADE Buy Hold

Dividends & splits

Declared · from the issuer
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—

PRIVATE STRATEGY · BY QUALIFICATION

The same data. A different seat.

The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.