Bill.com (BILL)
Information Technology · SMB finance automation and payments
BILL is an AI-driven platform that unifies accounts payable, receivable, expenses, and payments for 500,000+ small and mid-market businesses.
What Bill.com does
BILL is an AI-powered finance platform that enables nearly half a million businesses and their accountants to manage accounts payable, accounts receivable, expenses, forecasting, procurement, and payments in an integrated system. The platform connects businesses with their suppliers and clients, facilitating invoice generation, payment processing, expense management, and cash flow optimization. BILL has 8+ million network members and processes approximately 1% of U.S. gross domestic product in payment volume.
Themes: ["AI-powered finance automation","SMB financial operations","Payables and receivables management","Expense management","Digital payments","Cash flow optimization","Accounting software integration"]
Fundamentals
- Price$40.52 as of 2026-07-09 close
- Market cap$4.0B as of 2026-07-10
- 1-year return-15.1% as of 2026-07-09 close
- P/E24583.39 as of 2026-07-10
- Net margin+0.0% as of 2026-07-10
- Gross margin+80.7% as of 2026-07-10
- ROE+0.0% as of 2026-07-10
- Debt / equity0.48 as of 2026-07-10
- Revenue growth (YoY)+12.5% as of 2026-07-10
- Revenue CAGR (3y)+31.6% SEC XBRL
- Beta1.10 as of 2026-07-10
Key risks (from latest filing)
["SMB sensitivity to macroeconomic conditions and recession; customers may reduce spending or cease operations during adverse economic periods","Interest rate reductions diminish the interest income generated from customer funds held on the platform","Competition and rapid AI development adoption could impact market positioning and require significant continued investment in AI capabilities"]
Competitors & peers
- QuickBooks Online (Intuit)
- Zoho Books
- Concur (SAP)
- Expensify
- Ramp
- Airbase
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.