BILL vs PAYO
BILL: An AI-powered finance platform enabling SMBs to automate accounts payable, accounts receivable, and expense management in one integrated solution. PAYO: Payoneer provides a global financial platform that empowers businesses and freelancers to pay and get paid across borders with ease.
Side-by-side fundamentals
| Metric | BILL | PAYO | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $44.98 | $7.16 | |
| Market cap | $3.8B | $2.4B | |
| P/E as of 2026-10-08 | n/a | 35.78 | |
| Net margin | -0.7% | +7.0% | PAYO higher |
| Gross margin FY2026, SEC XBRL | +80.9% | n/a | |
| Operating margin | -4.4% | +11.8% | PAYO higher |
| ROE | -0.3% | +10.4% | PAYO higher |
| ROA | -0.1% | +0.8% | PAYO higher |
| Debt / equity as of 2026-09-03 | 0.48 | 0.00 | PAYO lower |
| Revenue growth (YoY) as of 2026-09-03 | +12.5% | +7.2% | BILL higher |
| Revenue CAGR (3y) SEC XBRL | +16.0% | +18.8% | PAYO higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 1.64 | 1.33 | |
| 1-year return as of 2026-10-08 close | -13.7% | +16.4% | PAYO higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.