BILL vs RPAY
BILL: An AI-powered financial operations platform that streamlines accounts payable, receivables, and expense management for small and medium-sized businesses. RPAY: A vertical-focused payments technology company that embeds electronic payment solutions into enterprise software systems for personal loans, automotive loans, receivables management, and B2B markets.
Side-by-side fundamentals
| Metric | BILL | RPAY | Edge |
|---|---|---|---|
| Price as of 2026-07-30 close | $45.39 | $4.04 | |
| Market cap as of 2026-07-31 | $4.5B | $348M | |
| PEG as of 2026-07-31 | n/a | -0.00 | |
| Net margin as of 2026-07-31 | +0.0% | -82.7% | BILL higher |
| Gross margin as of 2026-07-31 | +80.7% | +75.1% | BILL higher |
| Operating margin as of 2026-07-31 | -3.8% | -79.9% | BILL higher |
| ROE as of 2026-07-31 | +0.0% | -46.8% | BILL higher |
| ROA as of 2026-07-31 | +0.0% | -20.3% | BILL higher |
| Debt / equity as of 2026-07-31 | 0.48 | 0.82 | BILL lower |
| Revenue growth (YoY) as of 2026-07-31 | +12.5% | +1.0% | BILL higher |
| Revenue CAGR (3y) SEC XBRL | +31.6% | +3.5% | BILL higher |
| Beta as of 2026-07-31 | 1.59 | 1.84 | |
| 1-year return as of 2026-07-30 close | +0.2% | -25.0% | BILL higher |
Fundamentals: market data, as of 2026-07-31. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-30.
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.