BILL vs PCTY
BILL: An AI-powered finance platform enabling SMBs to automate accounts payable, accounts receivable, and expense management in one integrated solution. PCTY: A cloud-based HCM, finance, and IT automation platform for small to mid-sized businesses, powered by embedded AI.
Side-by-side fundamentals
| Metric | BILL | PCTY | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $44.98 | $153.02 | |
| Market cap | $3.8B | $8.1B | |
| P/E as of 2026-10-08 | n/a | 30.97 | |
| PEG as of 2026-10-08, 3-year EPS CAGR to FY2026 | n/a | 1.22 | |
| Net margin FY2026, SEC XBRL | -0.7% | +15.2% | PCTY higher |
| Gross margin FY2026, SEC XBRL | +80.9% | +69.2% | BILL higher |
| Operating margin FY2026, SEC XBRL | -4.4% | +21.8% | PCTY higher |
| ROE FY2026, SEC XBRL | -0.3% | +22.1% | PCTY higher |
| ROA FY2026, SEC XBRL | -0.1% | +5.5% | PCTY higher |
| Debt / equity as of 2026-09-03 | 0.48 | 0.07 | PCTY lower |
| Revenue growth (YoY) as of 2026-09-03 | +12.5% | +11.0% | BILL higher |
| Revenue CAGR (3y) SEC XBRL | +16.0% | +14.7% | BILL higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 1.64 | 0.66 | |
| 1-year return as of 2026-10-08 close | -13.7% | -0.8% | PCTY 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.