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What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.

Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.

The Style Scores are broken down into four categories:

Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.

Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.

Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.

VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.

How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.

It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.82% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.

This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.

That's where the Style Scores come in.

To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.

Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.

A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.

Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: BILL Holdings (BILL - Free Report) BILL Holdings, Inc. primarily serves small and midsize businesses through its AI-powered financial operations platform that connects customers with their suppliers and clients. Headquartered in San Jose, CA, BILL’s software is used by SMB customers to generate and process invoices, route approvals, make and receive payments, manage employee expenses and sync with their accounting system to monitor cash.

BILL is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.

Additionally, the company could be a top pick for growth investors. BILL has a Growth Style Score of A, forecasting year-over-year earnings growth of 34.3% for the current fiscal year.

For fiscal 2027, two analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.04 to $3.72 per share. BILL boasts an average earnings surprise of +19.8%.

With a solid Zacks Rank and top-tier Growth and VGM Style Scores, BILL should be on investors' short list.

Demonstrates how trusted AI agents are moving beyond automation to act on behalf of buyers and suppliers in real-world commercial transactions.

LAS VEGAS--(BUSINESS WIRE)--Visa (NYSE: V), BILL (NYSE: BILL) and Billtrust today announced they have launched the first live pilot to enable trusted AI agents to initiate and complete approved buyer invoice payments end-to-end through supplier portals.

Until now, many payment portals relied on human authentication requirements that limited how approved payments could be automated. Together, with leading accounts payable and receivable solutions providers BILL and Billtrust, the Visa Intelligent CommerceTM portfolio helps bridge that gap. Leveraging offerings such as Visa Trusted Agent Protocol, AI agents can now be securely authenticated to credentialed portals. As a result, buyer payments that previously relied on manual entry can be completed by trusted AI agents, while preserving supplier control and oversight.

How trusted AI agents are overcoming one of payment automation’s biggest barriers

The flow begins when the authorized BILL Payment Agent — registered using Visa’s Trusted Agent Protocol and Agentic Directory — uses tokenized payment credentials and controls aligned with the buyer’s approved payment instructions to issue payments on behalf of BILL's customers. Supported by capabilities within the Visa Intelligent Commerce (VIC) portfolio, this enables BILL to securely automate card payments for supplier invoices.

Once the payment is initiated, Billtrust leverages Visa's Trusted Agent Protocol to recognize, authenticate, and grant access to the authorized agent enabling BILL to complete the invoice payment on the customer's behalf. This agent authentication can satisfy the site protections historically provided by CAPTCHA and other bot blocking mechanisms, without requiring an additional agent login. As a result, Billtrust customers can receive fast portal payments in accordance with their acceptance policy, which can help accelerate cash flow.

“Businesses should not have to choose between automation and control when making payments,” said Mark Nelsen, SVP and Head of Product, Commercial & Money Movement Solutions, Visa. “This pilot applies agentic commerce to a real B2B-payment problem, by having trusted agents complete payments across platforms. Working with BILL and Billtrust, we are testing how identity, payment controls and transaction visibility can make that model work.”

Building trust into agent-initiated B2B payments

Drawing on capabilities within the Visa Intelligent Commerce portfolio, including Visa's Trusted Agent Protocol, the pilot enables:

A recognized and authenticated AI agent acting on behalf of an identified buyer Tokenized payment credentials rather than shared supplier-portal logins Payment controls tied to the customer’s approved payment instruction A purpose-built payment path tied to the specific invoice Visibility into the authorization and completion of the payment "Nearly 500,000 businesses trust BILL to move, manage and maximize their money, and that trust depends on removing friction without sacrificing accuracy and security of supplier payments. For too long, supplier portals have been friction points, requiring a person to manually complete what should be an automated step,” said Archana Prasad, SVP of Payments and Financial Services at BILL. “With Visa and Billtrust, BILL’s AI-powered payments technology is closing that gap: the payment gets done, the supplier gets paid faster, and finance teams get their time back."

For suppliers using Billtrust, the pilot creates a way to recognize and accept payments initiated by trusted business agents, helping release trapped cash while retaining the information needed to process and reconcile the payment within their existing payment acceptance policy. For buyers using BILL, automating this last manual step can give finance teams back the time they'd spend manually keying information into supplier payment portals.

“Agentic commerce will only move forward if businesses can trust agents to operate across systems with the same clarity and accountability they expect from people,” said Kunal Patel, SVP Payments, Billtrust. “By connecting buyer-side invoice approval with supplier-side payment acceptance, this pilot shows how authorized agents can complete business transactions, releasing trapped cash faster while adhering to a complex acceptance policy and preserving visibility and control for both sides.”

The pilot is currently live and processing end-to-end transactions with participating buyers using BILL and Billtrust suppliers. As the pilot progresses, Visa, BILL, and Billtrust will continue exploring opportunities in agentic payments. To learn more about Visa Intelligent Commerce and how Visa is building trust into agentic commerce, visit Visa.com.

About Visa

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

About BILL

BILL (NYSE: BILL) is the intelligent finance platform trusted by nearly half a million businesses and their accountants to manage, move, and maximize their money. BILL powers businesses ranging from fast-moving startups to growing companies with complex operations. We use AI to deliver strategic finance capabilities in one integrated platform that includes AP, AR, expenses, forecasting, procurement and more. With a member network of more than 9 million, BILL’s platform processes ~1% of US GDP annually. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and software providers. For more information, visit bill.com.

About Billtrust

Billtrust is the B2B Cash Generation Platform built to release the cash trapped in accounts receivable faster, while maintaining relationships that earn repeat business. Finance leaders use Billtrust as a single, converged system for the full credit-to-cash cycle, converting earned revenue into cash they can predict, defend, and deploy. Powered by the largest B2B buyer network in the industry, with more than 20 million buyers and $1 trillion in annual trade credit volume, Billtrust turns AR data into the intelligence that makes cash generation effortless.

FAQ

What is this pilot?
Visa, BILL and Billtrust are piloting how an authorized AI agent can complete approved invoice payments on behalf of a buyer. Today, that final payment step often requires an employee to manually log into a supplier portal and submit payment information. The pilot explores how trusted agents can complete that task while maintaining buyer-defined controls and visibility.

Why does this matter?
It addresses one of the last major manual steps in many accounts payable workflows.

What role does Visa play?
Visa can help establish trust by enabling agent recognition, tokenized payment credentials and payment controls.

How could buyer and supplier platforms benefit from this model?
Under this pilot, buyer-side platforms such as BILL could expand card-payment opportunities to suppliers that historically supported automated payments primarily through ACH or check. Supplier-side platforms, such as Billtrust, could enable faster and more seamless portal payments, helping suppliers process payments more efficiently and improve Days Sales Outstanding (DSO).

Do buyers need to share supplier-portal credentials?
No. The pilot is designed to eliminate the need to share supplier-portal logins.

Is the AI agent making payment decisions?
No. The agent only executes eligible payments that have already been approved by the buyer.

Why are B2B payments a good use case for agentic commerce?
They already operate within established approvals, controls and the buyer’s rules.

More News From Visa Inc.

SAN JOSE, Calif.--(BUSINESS WIRE)--BILL (NYSE: BILL), the intelligent finance platform trusted by nearly half a million businesses to manage, move, and maximize their money, today announced it recently surpassed $2 trillion in cumulative total payment volume (TPV) since its founding. On an average day, around $1 billion in payments flows through BILL. Behind every dollar moved is a finance workflow that has been automated or accelerated: an invoice captured and coded, approvals routed, vendor v.

BILL Holdings, Inc. (NYSE:BILL – Get Free Report) has received a consensus rating of “Moderate Buy” from the twenty research firms that are covering the stock, MarketBeat reports. One analyst has rated the stock with a sell rating, seven have assigned a hold rating, eleven have issued a buy rating and one has assigned a strong buy rating to the company. The average 1-year price objective among brokers that have updated their coverage on the stock in the last year is $58.67.

Several research analysts have weighed in on the stock. Weiss Ratings lowered shares of BILL from a “sell (d+)” rating to a “sell (d)” rating in a research note on Monday, August 31st. TD Cowen initiated coverage on shares of BILL in a research note on Monday, June 22nd. They issued a “buy” rating and a $43.00 price target on the stock. Wolfe Research boosted their price target on shares of BILL from $57.00 to $60.00 and gave the company an “outperform” rating in a research note on Tuesday, August 25th. Needham & Company LLC restated a “buy” rating on shares of BILL in a report on Thursday, August 20th. Finally, Truist Financial upped their price objective on shares of BILL from $44.00 to $52.00 and gave the stock a “hold” rating in a report on Tuesday, September 1st.

Check Out Our Latest Stock Analysis on BILL

BILL Stock Performance Shares of BILL stock opened at $46.85 on Friday. The firm has a market cap of $4.00 billion, a PE ratio of -360.37, a price-to-earnings-growth ratio of 0.64 and a beta of 1.13. The company has a quick ratio of 1.51, a current ratio of 1.51 and a debt-to-equity ratio of 0.49. BILL has a 52 week low of $31.41 and a 52 week high of $57.21. The business’s fifty day simple moving average is $47.04 and its 200-day simple moving average is $41.66. BILL (NYSE:BILL – Get Free Report) last issued its quarterly earnings data on Wednesday, August 19th. The company reported $0.84 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.71 by $0.13. The firm had revenue of $436.19 million during the quarter, compared to the consensus estimate of $430.55 million. BILL had a positive return on equity of 3.74% and a negative net margin of 0.68%. The company’s quarterly revenue was up 13.8% on a year-over-year basis. During the same period last year, the company earned $0.53 EPS. BILL has set its Q1 2027 guidance at 0.960-1.000 EPS and its FY 2027 guidance at 3.560-3.790 EPS. Equities analysts forecast that BILL will post 2.30 earnings per share for the current year.

Insider Activity at BILL In other news, insider Michael Cieri sold 10,754 shares of the firm’s stock in a transaction on Monday, August 31st. The stock was sold at an average price of $49.13, for a total transaction of $528,344.02. Following the completion of the transaction, the insider directly owned 997 shares in the company, valued at $48,982.61. This trade represents a 91.52% decrease in their ownership of the stock. The transaction was disclosed in a filing with the SEC, which is available at the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, CEO Rene A. Lacerte sold 42,248 shares of the firm’s stock in a transaction on Thursday, September 3rd. The stock was sold at an average price of $50.17, for a total value of $2,119,582.16. Following the transaction, the chief executive officer owned 163,125 shares of the company’s stock, valued at approximately $8,183,981.25. This represents a 20.57% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold a total of 267,997 shares of company stock valued at $13,057,984 in the last quarter. 13.20% of the stock is owned by insiders.

Institutional Investors Weigh In On BILL Institutional investors and hedge funds have recently modified their holdings of the company. Versant Capital Management Inc boosted its holdings in BILL by 147.3% during the 2nd quarter. Versant Capital Management Inc now owns 722 shares of the company’s stock valued at $26,000 after acquiring an additional 430 shares during the period. State of Wyoming purchased a new stake in BILL during the first quarter worth about $32,000. Rockefeller Capital Management L.P. increased its stake in BILL by 173.8% during the fourth quarter. Rockefeller Capital Management L.P. now owns 712 shares of the company’s stock worth $39,000 after purchasing an additional 452 shares during the period. Geneos Wealth Management Inc. purchased a new stake in BILL during the first quarter worth about $57,000. Finally, Ascentis Independent Advisors acquired a new stake in shares of BILL during the first quarter worth about $58,000. Hedge funds and other institutional investors own 97.99% of the company’s stock.

About BILL (Get Free Report)

BILL Holdings, Inc provides cloud-based financial operations software and payment services for small and midsize businesses and the accounting firms that serve them. Its platform is designed to help businesses manage accounts payable, accounts receivable, expenses, budgets and payment workflows in one system.

The company’s offerings include tools for automating bill entry, approval and payment; creating and sending invoices; accepting customer payments; managing employee spending and expenses; and improving visibility into cash flow.

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Have you been searching for a stock that might be well-positioned to maintain its earnings-beat streak in its upcoming report? It is worth considering BILL Holdings (BILL - Free Report) , which belongs to the Zacks Internet - Software industry.

When looking at the last two reports, this payment processing software company has recorded a strong streak of surpassing earnings estimates. The company has topped estimates by 22.69%, on average, in the last two quarters.

For the most recent quarter, BILL Holdings was expected to post earnings of $0.69 per share, but it reported $0.84 per share instead, representing a surprise of 21.74%. For the previous quarter, the consensus estimate was $0.55 per share, while it actually produced $0.68 per share, a surprise of 23.64%.

Price and EPS Surprise

For BILL Holdings, estimates have been trending higher, thanks in part to this earnings surprise history. And when you look at the stock's positive Zacks Earnings ESP (Expected Surprise Prediction), it's a great indicator of a future earnings beat, especially when combined with its solid Zacks Rank.

Our research shows that stocks with the combination of a positive Earnings ESP and a Zacks Rank #3 (Hold) or better produce a positive surprise nearly 70% of the time. In other words, if you have 10 stocks with this combination, the number of stocks that beat the consensus estimate could be as high as seven.

The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a version of the Zacks Consensus whose definition is related to change. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.

BILL Holdings has an Earnings ESP of +0.15% at the moment, suggesting that analysts have grown bullish on its near-term earnings potential. When you combine this positive Earnings ESP with the stock's Zacks Rank #1 (Strong Buy), it shows that another beat is possibly around the corner.

When the Earnings ESP comes up negative, investors should note that this will reduce the predictive power of the metric. But, a negative value is not indicative of a stock's earnings miss.

Many companies end up beating the consensus EPS estimate, but that may not be the sole basis for their stocks moving higher. On the other hand, some stocks may hold their ground even if they end up missing the consensus estimate.

Because of this, it's really important to check a company's Earnings ESP ahead of its quarterly release to increase the odds of success. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.

Investors in BILL Holdings, Inc. (BILL - Free Report) need to pay close attention to the stock based on moves in the options market lately. That is because the Nov 20, 2026 $27.50 Call had some of the highest implied volatility of all equity options today.

What is Implied Volatility?Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also mean there is an event coming up soon that may cause a big rally or a huge sell-off. However, implied volatility is only one piece of the puzzle when putting together an options trading strategy.

What do the Analysts Think?Clearly, options traders are pricing in a big move for BILL Holdings shares, but what is the fundamental picture for the company? Currently, BILL Holdings is a Zacks Rank #1 (Strong Buy) in the Internet - Software industry that ranks in the Top 38% of our Zacks Industry Rank. Over the last 60 days, four analysts have increased their earnings estimates for the current quarter, while none have revised their estimates downward. The net effect has taken our Zacks Consensus Estimate for the current quarter from 72 cents per share to 93 cents in that period.

Given the way analysts feel about BILL Holdings right now, this huge implied volatility could mean there’s a trade developing. Oftentimes, options traders look for options with high levels of implied volatility to sell premium. This is a strategy many seasoned traders use because it captures decay. At expiration, the hope for these traders is that the underlying stock does not move as much as originally expected.

BILL Holdings (BILL - Free Report) has been on a downward spiral lately with significant selling pressure. After declining 15.5% over the past four weeks, the stock looks well positioned for a trend reversal as it is now in oversold territory and there is strong agreement among Wall Street analysts that the company will report better earnings than they predicted earlier.

We use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a stock is oversold. This is a momentum oscillator that measures the speed and change of price movements.

RSI oscillates between zero and 100. Usually, a stock is considered oversold when its RSI reading falls below 30.

Technically, every stock oscillates between being overbought and oversold irrespective of the quality of their fundamentals. And the beauty of RSI is that it helps you quickly and easily check if a stock's price is reaching a point of reversal.

So, by this measure, if a stock has gotten too far below its fair value just because of unwarranted selling pressure, investors may start looking for entry opportunities in the stock for benefiting from the inevitable rebound.

However, like every investing tool, RSI has its limitations, and should not be used alone for making an investment decision.

Here's Why BILL Could Experience a TurnaroundThe RSI reading of 29.51 for BILL is an indication that the heavy selling could be in the process of exhausting itself, so the stock could bounce back in a quest for reaching the old equilibrium of supply and demand.

This technical indicator is not the only factor that calls for a potential rebound for the stock. There is a fundamental indicator as well. A strong agreement among sell-side analysts covering BILL in raising earnings estimates for the current year has led to an increase in the consensus EPS estimate by 2% over the last 30 days. And an upward trend in earnings estimate revisions usually translates into price appreciation in the near term.

Moreover, BILL currently has a Zacks Rank #1 (Strong Buy), which means it is in the top 5% of more than 4,000 stocks that we rank based on trends in earnings estimate revisions and EPS surprises. This is a more conclusive indication of the stock's potential turnaround in the near term. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .

Key Takeaways BILL Holdings' fiscal 2026 revenues rose 14%, with payment volume and transactions each increasing 14%.More than 175,000 businesses used BILL agents, while AI streamlined invoice coding and transactions.BILL ended fiscal 2026 with $1.03 billion in cash and repurchased about 8.4 million shares. BILL Holdings’ (BILL - Free Report) integrated financial operations platform is benefiting from sustained revenue and payment-volume growth. Its AI agents are automating invoice coding, Spend & Expense transactions and card payments, while AI-driven underwriting is supporting growth in invoice financing and lower expected loss rates.

Partnerships with accounting firms, financial institutions and software providers are expanding BILL’s reach among SMB customers. Strong cash generation and balance-sheet flexibility support continued investment while enabling sizable share repurchases. These factors support BILL’s long-term growth prospects.

Analysts seem bullish on this Zacks Rank #1 (Strong Buy) stock. The estimate revision trend for fiscal 2027 earnings per share (EPS) indicates a favorable outlook, with estimates moving north over the past month.

Over the past three months, shares of BILL Holdings have increased 27.9% compared with the industry’s 32.8% growth. Given its solid fundamentals and positive estimate revisions, the stock is likely to maintain its momentum in the quarters ahead.

Image Source: Zacks Investment Research

Factors That Make BILL Holdings Stock a Solid PickSustained Revenue Growth: BILL Holdings’ revenues have expanded across several years, supported by higher payment activity and transaction monetization. Fourth-quarter fiscal 2026 revenues increased 14% to $436.2 million, while core revenues jumped 16% to $400.5 million. Total payment volume increased 14% to $98.2 billion, and transactions processed rose 14% to 37.4 million. For fiscal 2027, management expects total revenues of $1.81-$1.86 billion, representing 9-12% growth, and core revenues of $1.67-$1.72 billion, representing 11-14% growth.

Product-Led Automation With AI: BILL Holdings continues to prioritize AI-native financial workflows. Adoption broadened through fiscal 2026, with more than 175,000 businesses using BILL agents by the fourth quarter. The invoice coding agent reached more than 60,000 companies and eliminated about 90% of coding steps for multiline invoices, cutting processing time for AP customers by nearly half. The touchless transactions agent automated more than seven million transaction fields for 30,000 Spend & Expense customers, while the Pay For You agent completed more than 30,000 card transactions without human interaction in fourth-quarter fiscal 2026.

AI is also being applied to underwriting. In fiscal 2026, invoice financing volume and revenues each grew about 30% year over year, while the expected loss rate improved by more than 50%.

Partner Ecosystem Supports Distribution: BILL Holdings uses accounting firms, financial institutions and software providers to reach SMB customers through indirect channels. Per the company’s August 2026 investor presentation, more than 9,500 accounting firms were on the BILL platform, while the company’s network reached about 9.2 million members as of June 30, 2026. BILL processed $98.2 billion of total payment volume in fourth-quarter fiscal 2026, equivalent to a $393 billion annualized run rate.

Balance Sheet Flexibility and Buybacks: BILL Holdings ended fiscal 2026 with $1.03 billion in cash and cash equivalents and $906.5 million in short-term investments. Free cash flow increased to $354.7 million in fiscal 2026 from $312.5 million in fiscal 2025.

In the fourth quarter of fiscal 2026, the company repurchased about 8.4 million shares for roughly $300 million. Management said BILL had retired about 15 million shares, or nearly 14% of common stock outstanding, since its third-quarter fiscal 2026 earnings call. As of Aug. 19, 2026, $400 million remained under the $1 billion authorization.

Other Stocks to ConsiderSome other top-ranked stocks from the sector are Paycom Software, Inc. (PAYC - Free Report) and Paylocity Holding (PCTY - Free Report) . While Paycom Software sports a Zacks Rank #1, Paylocity has a Zacks Rank #2 (Buy) at present. You can see the complete list of today’s Zacks #1 Rank stocks here.

The Zacks Consensus Estimate for PAYC’s 2026 EPS has been revised 46 cents over the past month and calls for a 30.8% increase year over year.

The consensus estimate for PCTY’s full-year fiscal 2027 EPS has been revised two cents upward in the past month to $8.81, which implies a 6% increase from the year-ago period.

Shares of BILL Holdings, Inc. (NYSE:BILL – Get Free Report) have earned an average recommendation of “Moderate Buy” from the twenty research firms that are currently covering the stock, MarketBeat reports. One investment analyst has rated the stock with a sell rating, six have issued a hold rating, twelve have given a buy rating and one has issued a strong buy rating on the company. The average twelve-month target price among brokerages that have issued ratings on the stock in the last year is $58.6667.

Several equities analysts have recently weighed in on BILL shares. BMO Capital Markets raised their price target on BILL from $46.00 to $55.00 and gave the stock a “market perform” rating in a research note on Thursday, August 20th. UBS Group upped their price objective on BILL from $55.00 to $60.00 and gave the company a “buy” rating in a research report on Thursday, August 20th. JPMorgan Chase & Co. lowered their target price on BILL from $60.00 to $50.00 and set an “overweight” rating on the stock in a report on Friday, June 5th. TD Cowen initiated coverage on BILL in a research report on Monday, June 22nd. They issued a “buy” rating and a $43.00 target price on the stock. Finally, Keefe, Bruyette & Woods raised their target price on BILL from $46.00 to $54.00 and gave the stock a “market perform” rating in a research report on Thursday, August 20th.

Check Out Our Latest Stock Report on BILL

Insider Activity In other BILL news, CEO Rene Lacerte sold 42,248 shares of the company’s stock in a transaction dated Thursday, September 3rd. The stock was sold at an average price of $50.17, for a total value of $2,119,582.16. Following the completion of the sale, the chief executive officer owned 163,125 shares in the company, valued at $8,183,981.25. This represents a 20.57% decrease in their ownership of the stock. The sale was disclosed in a filing with the SEC, which is available through this hyperlink. Also, insider Michael Cieri sold 10,754 shares of BILL stock in a transaction dated Monday, August 31st. The shares were sold at an average price of $49.13, for a total value of $528,344.02. Following the transaction, the insider directly owned 997 shares in the company, valued at approximately $48,982.61. The trade was a 91.52% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Insiders have sold 267,997 shares of company stock valued at $13,057,984 in the last three months. 13.20% of the stock is currently owned by corporate insiders. Institutional Trading of BILL A number of hedge funds and other institutional investors have recently modified their holdings of the company. ER Collective Holdings LLC bought a new position in BILL in the 4th quarter worth $464,588,000. Contour Asset Management LLC lifted its holdings in BILL by 45.5% in the 4th quarter. Contour Asset Management LLC now owns 4,710,570 shares of the company’s stock worth $256,914,000 after purchasing an additional 1,472,132 shares in the last quarter. Dimensional Fund Advisors LP boosted its stake in BILL by 4.3% in the 1st quarter. Dimensional Fund Advisors LP now owns 3,090,741 shares of the company’s stock worth $118,366,000 after purchasing an additional 126,427 shares during the period. Parnassus Investments LLC boosted its stake in BILL by 61.6% in the 4th quarter. Parnassus Investments LLC now owns 1,463,791 shares of the company’s stock worth $79,835,000 after purchasing an additional 558,206 shares during the period. Finally, Norges Bank purchased a new stake in BILL during the 4th quarter valued at approximately $54,275,000. 97.99% of the stock is owned by hedge funds and other institutional investors.

Key BILL News Here are the key news stories impacting BILL this week:

Positive Sentiment: Post-earnings performance remains constructive. BILL is up about 0.4% since reporting quarterly results 30 days ago. The company exceeded analyst expectations with adjusted earnings of $0.84 per share versus a $0.71 consensus estimate, while revenue of $436.2 million also topped forecasts and rose 13.8% year over year. Management’s fiscal 2027 guidance provides additional visibility. Why Is BILL Holdings Up Since Last Earnings Report? Positive Sentiment: Momentum screens continue to favor BILL. Zacks identifies BILL as a highly ranked momentum stock, reflecting recent relative price strength and investor interest. BILL Holdings Is a Top-Ranked Momentum Stock Positive Sentiment: Relative strength may attract selective investors. BILL was included among stocks showing strong relative price performance as higher interest rates increase market volatility. This can support near-term demand, although it is a technical rather than fundamental catalyst. 5 Relative Price Strength Stocks to Buy Amid Rising Rates Neutral Sentiment: Most other headlines are unrelated to BILL Holdings. News about data-center electricity costs, Russia sanctions, farm legislation, crypto legislation, and personal medical bills concerns government policy or unrelated uses of the word “bill.” These reports do not appear to provide a direct catalyst for BILL’s business, which focuses on financial automation and accounts-payable and accounts-receivable software. BILL Price Performance Shares of NYSE:BILL opened at $47.60 on Monday. The company has a debt-to-equity ratio of 0.49, a quick ratio of 1.51 and a current ratio of 1.51. The firm has a market cap of $4.06 billion, a price-to-earnings ratio of -366.14, a price-to-earnings-growth ratio of 0.71 and a beta of 1.10. The business has a 50-day simple moving average of $47.27 and a two-hundred day simple moving average of $41.20. BILL has a fifty-two week low of $31.41 and a fifty-two week high of $57.21.

BILL (NYSE:BILL – Get Free Report) last announced its quarterly earnings results on Wednesday, August 19th. The company reported $0.84 EPS for the quarter, topping analysts’ consensus estimates of $0.71 by $0.13. The firm had revenue of $436.19 million during the quarter, compared to analyst estimates of $430.55 million. BILL had a negative net margin of 0.68% and a positive return on equity of 3.74%. The business’s revenue for the quarter was up 13.8% on a year-over-year basis. During the same period in the previous year, the business posted $0.53 earnings per share. BILL has set its Q1 2027 guidance at 0.960-1.000 EPS and its FY 2027 guidance at 3.560-3.790 EPS. On average, analysts expect that BILL will post 2.22 earnings per share for the current year.

About BILL (Get Free Report)

BILL Holdings, Inc provides financial operations software for small and midsize businesses, accounting firms and financial institutions. Its cloud-based platform helps customers automate and manage accounts payable, accounts receivable, payments, expense management, budgeting and other routine financial processes.

The company’s offerings include BILL Accounts Payable and BILL Accounts Receivable, which support invoice processing, approvals, billing and payment collection. BILL also provides spend and expense management tools, including budgeting, corporate cards and employee expense tracking, along with integrations that connect its platform to accounting and business-management systems.

Founded in 2006 by René Lacerte, the company was originally known as Bill.com and became publicly traded on the New York Stock Exchange in 2019.

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Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.

Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.

Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.

VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.

How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.

#1 (Strong Buy) stocks have produced an unmatched +23.8% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.

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As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.

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Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: BILL Holdings (BILL - Free Report) BILL Holdings, Inc. primarily serves small and midsize businesses through its AI-powered financial operations platform that connects customers with their suppliers and clients. Headquartered in San Jose, CA, BILL’s software is used by SMB customers to generate and process invoices, route approvals, make and receive payments, manage employee expenses and sync with their accounting system to monitor cash.

BILL is a #1 (Strong Buy) on the Zacks Rank, with a VGM Score of B.

Momentum investors should take note of this Computer and Technology stock. BILL has a Momentum Style Score of B, and shares are up 2.7% over the past four weeks.

Eight analysts revised their earnings estimate upwards in the last 60 days for fiscal 2027. The Zacks Consensus Estimate has increased $0.46 to $3.69 per share. BILL boasts an average earnings surprise of +19.8%.

With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, BILL should be on investors' short list.

BILL Holdings, Inc. (BILL) Goldman Sachs Communacopia + Technology Conference 2026 September 10, 2026 6:05 PM EDT

Company Participants

René Lacerte - Founder, CEO & Chairperson of the Board

Conference Call Participants

William Nance - Goldman Sachs Group, Inc., Research Division

Presentation

William Nance
Goldman Sachs Group, Inc., Research Division

All right. We are going to start with the next session. Pleased to have Rene Lacerte here, the Founder and CEO of BILL. Rene, you've been here for the last several years and looking forward to the conversation again today.

René Lacerte
Founder, CEO & Chairperson of the Board

Yes. Likewise, Will, thank you.

Question-and-Answer Session

William Nance
Goldman Sachs Group, Inc., Research Division

So look, AI is reshaping the way that businesses expect work to get done, and BILL sits at the heart of financial operations for 0.5 million SMBs. You said the shift is from a do-it-yourself to a do it with you to a do-it-for-you mindset. And you've rolled out a number of agents within the products to get at that goal. So at a high level, how are you thinking about the role that AI will play in BILL's products going forward? And what does AI native actually mean for the customer experience 12 to 24 months down the line?

René Lacerte
Founder, CEO & Chairperson of the Board

Yes. I mean it's -- I think we all know that AI is a game changer. It's a game changer in how you do work and in the experiences that we are able to create for our customers. And so as we move customers, which the premise of the company was to go from the do-it-yourself to the do it with you into this, what I would call do-it-for-me because I think AI is a very personal experience, that do-it-for-me means that we have to

SAN JOSE, Calif.--(BUSINESS WIRE)--BILL (NYSE: BILL), the financial operations platform trusted by nearly half a million businesses to manage, move and maximize their money, announced today its participation in the Goldman Sachs Communacopia + Technology Conference in San Francisco on Thursday, September 10, 2026 at 3:05 p.m. PDT. A live webcast of the event will be accessible at https://investor.bill.com. Webcast replays can be accessed from BILL's Investor Relations website for approximately.

When a small business needs to pay its electricity bill or collect payment from a stubborn client, it often encounters the same problem: a tangled mess of manual spreadsheets and paper checks. Bill.com Holdings(BILL -1.95%) replaces that friction with a cloud-based platform that automates accounts payable and receivable for small and mid-sized businesses. The stock, which trades at $47.82 as of Aug. 21, 2026, has seen a 13% gain over the past year as the company shifts from rapid expansion to profitable, sustainable operations.

Our proprietary Hidden Gems scoring system assigns Bill.com Holdings an overall Superscore of 77 out of 100, placing it in the Strong category. The Superscore is an AI-powered score that evaluates a company's overall strength by combining financial performance, product market position, technological capabilities, leadership quality, and relative valuation. It represents the unification of all our scores into a single score for public companies, with five rating bands: Exceptional (90-100), Strong (75-89), Above Average (60-74), Average (40-59), and Cautious (0-39). A 77 places it in the Top ~14% of every company we score, ahead of roughly 86 out of every 100 companies in our database. This score is a data-driven input, and this report balances the company's recent operational wins against the risks that keep the score from moving higher, allowing you to form your own conviction.

Why Bill Has a 77 SuperscoreNetwork scale: With 9.2 million members on its platform, the company processes roughly 1% of U.S. GDP annually, creating a density of data and trust that creates significant barriers to entry.Operational inflection: After years of heavy spending, the company reached a milestone in fiscal 2025, reporting positive GAAP net income of $24 million, signaling that its software model has finally reached the necessary scale for profitability.Disciplined capital allocation: The board authorized a $1 billion share repurchase program, demonstrating management's confidence in the company's long-term free cash flow generation.Embedded distribution: By integrating directly into the workflows of over 85 of the top 100 accounting firms, the company secures a reliable, low-cost channel to acquire new business customers.Operational leverage: Revenue grew 14% year-over-year in the fourth quarter of fiscal 2026, while operating expenses increased by only 3%, indicating the company can grow its bottom line without matching spending growth.Why Is Bill's Superscore Not Higher?Decelerating growth: The 14% revenue growth rate in fiscal 2026 marks a significant slowdown from its 57% 5-year compound annual growth rate, as macroeconomic headwinds dampen spending by small and mid-sized businesses.Competitive intensity: The fintech landscape has become increasingly crowded, with agile rivals like Ramp and Brex aggressively targeting the company's core small-business customer base.Platform reliability questions: Persistent user feedback indicates frustration with customer support and payment processing, posing a long-term risk to customer retention and brand loyalty.Execution risks: The company's recent 30% workforce reduction to support an AI-native shift introduces uncertainty, as management relies on automated agents to solve for both cost efficiency and product differentiation.Hidden Gems Database Scores at a GlanceScoreScore (out of 100)RankSupporting Data PointProduct (1Y)60Bottom ~50%Revenue growth moderated to 14% in fiscal 2026 amid increased competitive pressure.Product (5Y)77Top ~14%The company scaled to 8.3 million members and maintained gross margins above 80%.Financial (1Y)78Top ~16%The company achieved its first full year of GAAP profitability in fiscal 2025.Financial (5Y)78Top ~10%Operating cash flow reached $351 million in fiscal 2025, demonstrating massive scale.Leaders63Bottom ~35%Activist influence has introduced leadership changes and board oversight requirements.AI53Top ~16%Internal AI agent deployment is underway, but core payment features remain easily replicable.Valuation Risk85Top ~2%The stock trades at a price-to-sales ratio of 2.1, suggesting lower valuation risk.Is Bill Right For Your Portfolio?This stock warrants a closer look if...

You are seeking exposure to best-in-class small-cap tech stocks that have successfully transitioned from hyper-growth to operational profitability.You believe that a scaled, two-sided payments network provides a durable competitive advantage that smaller fintech start-ups will struggle to dislodge.You may want to keep researching before buying if...

You are uncomfortable with the risks inherent in a business where transaction volume is highly sensitive to the broader economic health of small and medium-sized businesses.You are concerned that management's recent focus on drastic cost-cutting and AI-native shifts might compromise the quality of the customer support experience.The Superscore provides a data-driven view into the company's health, but it is not a replacement for your own due diligence; always weigh these metrics against your specific financial goals and risk tolerance.

My 5-year prediction for Bill’s stockThis looks like a pivotal moment for Bill Holdings. The stock is up 59% from June's multi-year low, but it's still down 83% over the last five years. Priced at just 12 times trailing free cash flow, it's an affordable fintech stock with expanding margins and reasonable revenue growth.

And the company's buyback program is a serious vote of confidence in future growth prospects. Bill repurchased $300 million of common stock in Q4 2026 and has $400 million left to spend of a $1 billion authorization that was signed in May 2026. In other words, the company kept buying back stock after the quarter closed on June 30.

Bill is pursuing several promising growth projects, adding AI-native features to its financial operations platform and boosting its sales and marketing budgets. Yet, management sees extraordinary value in stock buybacks, committing about half of its cash reserves to that policy. The market cap has ranged between $3.2 billion and $4.6 billion since the billion-dollar buyback policy was announced.

That's either a bunch of management spin or a genuine value-building play on an undervalued stock. I think it's the latter, inspired by improving financials and the ongoing AI boom. Bill is putting its money where its mouth is. Color me surprised if Bill isn't trading significantly higher in five years.

The Hidden Gems Superscore reflects The Motley Fool's proprietary AI-driven evaluation of a company across product, financial, leadership, and valuation pillars as of the article date and may change over time. Performance figures are point-in-time. Past performance does not guarantee future results.

Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.

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What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.

Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.

The Style Scores are broken down into four categories:

Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.

Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.

Momentum ScoreMomentum investors, who live by the saying "the trend is your friend," are most interested in taking advantage of upward or downward trends in a stock's price or earnings outlook. Utilizing one-week price change and the monthly percentage change in earnings estimates, among other factors, the Momentum Style Score can help determine favorable times to buy high-momentum stocks.

VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.

How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.

#1 (Strong Buy) stocks have produced an unmatched +23.8% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.

But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.

That's where the Style Scores come in.

You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.

Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.

A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.

Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: BILL Holdings (BILL - Free Report) BILL Holdings, Inc. primarily serves small and midsize businesses through its AI-powered financial operations platform that connects customers with their suppliers and clients.

BILL is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.

It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 14.23; value investors should take notice.

One analyst revised their earnings estimate upwards in the last 60 days for fiscal 2027. The Zacks Consensus Estimate has increased $0.07 to $3.38 per share. BILL boasts an average earnings surprise of +19.8%.

With a solid Zacks Rank and top-tier Value and VGM Style Scores, BILL should be on investors' short list.

BILL Holdings delivered solid FY4Q 2026 results, exceeding guidance and consensus on revenue and EPS, with notable operating profitability improvement. BILL's emerging AI moat leverages a massive proprietary financial data set and a unique 9 million-member network, supporting its competitive position and future growth. Share buybacks have reduced outstanding shares by 15 million, and BILL remains undervalued at 2.1x FY2027E revenue, with an updated price target of $86 (approximately 83% upside).

BILL Holdings Inc (NYSE:BILL) on Wednesday reported better-than-expected fourth-quarter financial results and issued FY27 adjusted EPS guidance above estimates.

BILL Holdings reported quarterly earnings of 84 cents per share which beat the analyst consensus estimate of 70 cents per share. The company reported quarterly sales of $436.186 million which beat the analyst consensus estimate of $430.553 million.

BILL Holdings said it sees FY2027 adjusted EPS of $3.56-$3.79, versus market estimates of $3.35. The company sees sales of $1.807 billion-$1.857 billion, versus expectations of $1.848 billion.

“Our results for the year demonstrate the durability of our business. We continue to see strong demand for BILL’s integrated platform, with increasing adoption of our AI capabilities,” said René Lacerte, BILL CEO and Founder. “The structural changes we’ve implemented position us well to develop and deliver AI-native solutions for the Fortune 5 million.”

BILL Holdings shares fell 1.8% to trade at $46.86 on Thursday.

These analysts made changes to their price targets on BILL Holdings following earnings announcement.

UBS analyst Taylor McGinnis maintained the stock with a Buy and raised the price target from $55 to $60. BTIG analyst Andrew Harte reiterated the stock with a Buy and maintained a $60 price target. Latest Private Market Opportunities

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BILL Holdings remains a buy, with strong Q4 results, accelerating payment volumes, and attractive valuation multiples despite recent gains. BILL's business model is resilient, with only 17% of revenue tied to headcount and the majority driven by rising payment volumes. AI adoption is fueling both customer spend and internal efficiencies, with TPV from AI-native companies doubling sequentially and new AI-powered features forthcoming.

Bill Holdings Inc. (NYSE:BILL) posted its fourth-quarter results after Wednesday’s closing bell, beating estimates on the top and bottom lines. Here’s a look at the details inside the report. 

BILL stock is moving. Watch the price action here. Bill Holdings reported quarterly earnings of 84 cents per share, which beat the consensus estimate of 70 cents by 18.3%.

Quarterly revenue came in at $436.19 million, which beat the Street estimate of $430.55 million.

Bill reported the following quarterly highlights:

Served 479,300 businesses using BILL solutions as of the end of the fourth quarter. Processed $98 billion in total payment volume in the fourth quarter, an increase of 14% year-over-year. Processed 37 million transactions during the fourth quarter, an increase of 14% year-over-year. Core revenue, which consists of subscription and transaction fees, was $400.5 million, an increase of 16% year-over-year. Subscription fees were $76.2 million, up 11% year-over-year. Transaction fees were $324.3 million, up 17% year-over-year. Float revenue, which consists of interest on funds held for customers, was $35.7 million. “Our results for the year demonstrate the durability of our business. We continue to see strong demand for BILL’s integrated platform, with increasing adoption of our AI capabilities,” said René Lacerte, BILL CEO and founder.

Looking AheadBILL expects fiscal 2027 adjusted EPS of $3.56 to $3.79, versus the $3.35 analyst estimate, and revenue in a range of $1.81 billion to $1.86 billion, versus the $1.85 billion estimate.  

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BILL Stock Price Activity: According to data from Benzinga Pro, Bill stock was up 1.17% to $48.27 in Wednesday’s extended trading.  

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BILL Holdings (BILL - Free Report) came out with quarterly earnings of $0.84 per share, beating the Zacks Consensus Estimate of $0.69 per share. This compares to earnings of $0.53 per share a year ago. These figures are adjusted for non-recurring items.

This quarterly report represents an earnings surprise of +21.74%. A quarter ago, it was expected that this payment processing software company would post earnings of $0.55 per share when it actually produced earnings of $0.68, delivering a surprise of +23.64%.

Over the last four quarters, the company has surpassed consensus EPS estimates four times.

BILL Holdings, which belongs to the Zacks Internet - Software industry, posted revenues of $436.19 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 1.51%. This compares to year-ago revenues of $383.35 million. The company has topped consensus revenue estimates four times over the last four quarters.

The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.

BILL Holdings shares have lost about 9.9% since the beginning of the year versus the S&P 500's gain of 12.4%.

What's Next for BILL Holdings?While BILL Holdings has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?

There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.

Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.

Ahead of this earnings release, the estimate revisions trend for BILL Holdings was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.

It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.72 on $442.07 million in revenues for the coming quarter and $3.31 on $1.85 billion in revenues for the current fiscal year.

Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Internet - Software is currently in the top 36% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.

Another stock from the same industry, Zoom Communications (ZM - Free Report) , has yet to report results for the quarter ended July 2026. The results are expected to be released on August 25.

This video-conferencing company is expected to post quarterly earnings of $1.50 per share in its upcoming report, which represents a year-over-year change of -2%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.

Zoom Communications' revenues are expected to be $1.27 billion, up 4.2% from the year-ago quarter.

SAN JOSE, Calif.--(BUSINESS WIRE)--BILL (NYSE: BILL), the financial operations platform trusted by nearly half a million businesses to manage, move, and maximize their money, today announced financial results for the fourth quarter and fiscal year ended June 30, 2026. “Our results for the year demonstrate the durability of our business. We continue to see strong demand for BILL's integrated platform, with increasing adoption of our AI capabilities,” said René Lacerte, BILL CEO and Founder. “The.

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Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

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Posted by Defense World Staff on Jul 29th, 2026

Dimensional Fund Advisors LP boosted its position in BILL Holdings, Inc. (NYSE:BILL – Free Report) by 4.3% in the 1st quarter, according to the company in its most recent 13F filing with the SEC. The fund owned 3,090,741 shares of the company’s stock after purchasing an additional 126,427 shares during the quarter. Dimensional Fund Advisors LP owned about 3.12% of BILL worth $118,366,000 at the end of the most recent reporting period.

A number of other hedge funds and other institutional investors also recently added to or reduced their stakes in BILL. ER Collective Holdings LLC acquired a new stake in BILL during the 4th quarter worth $464,588,000. Contour Asset Management LLC raised its position in shares of BILL by 45.5% in the fourth quarter. Contour Asset Management LLC now owns 4,710,570 shares of the company’s stock valued at $256,914,000 after buying an additional 1,472,132 shares during the last quarter. Marshall Wace LLP lifted its stake in shares of BILL by 36.5% in the fourth quarter. Marshall Wace LLP now owns 2,958,096 shares of the company’s stock worth $161,335,000 after buying an additional 791,197 shares in the last quarter. Senvest Management LLC boosted its position in BILL by 155.8% during the fourth quarter. Senvest Management LLC now owns 2,573,261 shares of the company’s stock worth $140,346,000 after acquiring an additional 1,567,186 shares during the last quarter. Finally, Ameriprise Financial Inc. boosted its position in BILL by 14.2% during the third quarter. Ameriprise Financial Inc. now owns 2,546,171 shares of the company’s stock worth $134,871,000 after acquiring an additional 317,014 shares during the last quarter. Hedge funds and other institutional investors own 97.99% of the company’s stock.

Analyst Upgrades and Downgrades BILL has been the subject of a number of recent research reports. Oppenheimer set a $55.00 price objective on shares of BILL and gave the company an “outperform” rating in a report on Friday, May 8th. Truist Financial boosted their target price on BILL from $38.00 to $44.00 and gave the stock a “hold” rating in a report on Friday, July 24th. Morgan Stanley set a $55.00 price target on BILL in a research report on Friday, May 8th. Wall Street Zen cut BILL from a “buy” rating to a “hold” rating in a report on Monday, July 13th. Finally, Zacks Research downgraded BILL from a “strong-buy” rating to a “hold” rating in a research report on Monday, July 20th. Twelve analysts have rated the stock with a Buy rating, ten have given a Hold rating and one has issued a Sell rating to the company’s stock. Based on data from MarketBeat.com, BILL has an average rating of “Hold” and an average price target of $55.95.

View Our Latest Research Report on BILL

BILL Price Performance BILL stock opened at $46.38 on Wednesday. The company has a current ratio of 1.66, a quick ratio of 1.66 and a debt-to-equity ratio of 0.48. The company has a 50-day moving average price of $37.82 and a 200 day moving average price of $40.60. BILL Holdings, Inc. has a 12-month low of $31.41 and a 12-month high of $57.21. The stock has a market cap of $4.62 billion, a P/E ratio of -4,633.57, a PEG ratio of 1.01 and a beta of 1.17.

BILL (NYSE:BILL – Get Free Report) last posted its earnings results on Thursday, May 7th. The company reported $0.68 earnings per share for the quarter, beating the consensus estimate of $0.55 by $0.13. BILL had a net margin of 0.01% and a return on equity of 2.40%. The company had revenue of $406.56 million for the quarter, compared to analyst estimates of $403.76 million. During the same period in the previous year, the business posted $0.50 EPS. BILL’s revenue was up 13.5% on a year-over-year basis. BILL has set its FY 2026 guidance at 2.610-2.640 EPS and its Q4 2026 guidance at 0.690-0.720 EPS. Sell-side analysts anticipate that BILL Holdings, Inc. will post 0.95 earnings per share for the current year.

BILL Company Profile (Free Report)

BILL Holdings, Inc provides financial automation software for small and midsize businesses worldwide. The company provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable users to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve office efficiency. It also offers onboarding implementation support, and ongoing support and training services.

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SAN JOSE, Calif.--(BUSINESS WIRE)--BILL (NYSE: BILL), the financial operations platform trusted by nearly half a million businesses to manage, move and maximize their money, announced today it will report financial results for its fiscal fourth quarter and fiscal year ended June 30, 2026 on Wednesday, August 19, 2026 after the close of market. Management will conduct a conference call to discuss these results at 1:30 p.m. PT.The news release with financial results and a live webcast of the call.

BILL Holdings (BILL - Free Report) could be a solid addition to your portfolio given a notable revision in the company's earnings estimates. While the stock has been gaining lately, the trend might continue since its earnings outlook is still improving.

The rising trend in estimate revisions, which is a result of growing analyst optimism on the earnings prospects of this payment processing software company, should get reflected in its stock price. After all, empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock price movements. Our stock rating tool -- the Zacks Rank -- has this insight at its core.

The five-grade Zacks Rank system, which ranges from a Zacks Rank #1 (Strong Buy) to a Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record of outperformance, with Zacks #1 Ranked stocks generating an average annual return of +25% since 2008.

For BILL Holdings, strong agreement among the covering analysts in revising earnings estimates upward has resulted in meaningful improvement in consensus estimates for the next quarter and full year.

The chart below shows the evolution of forward 12-month Zacks Consensus EPS estimate:

12 Month EPS

Current-Quarter Estimate RevisionsThe company is expected to earn $0.69 per share for the current quarter, which represents a year-over-year change of +30.2%.

Over the last 30 days, the Zacks Consensus Estimate for BILL Holdings has increased 15.7% because one estimate has moved higher compared to no negative revisions.

Current-Year Estimate RevisionsFor the full year, the earnings estimate of $2.64 per share represents a change of +19.5% from the year-ago number.

In terms of estimate revisions, the trend for the current year also appears quite encouraging for BILL Holdings. Over the past month, two estimates have moved higher compared to no negative revisions, helping the consensus estimate increase 8.58%.

Favorable Zacks RankThanks to promising estimate revisions, BILL Holdings currently carries a Zacks Rank #1 (Strong Buy). The Zacks Rank is a tried-and-tested rating tool that helps investors effectively harness the power of earnings estimate revisions and make the right investment decision.

You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.

Our research shows that stocks with Zacks Rank #1 (Strong Buy) and 2 (Buy) significantly outperform the S&P 500.

Bottom LineBILL Holdings shares have added 10.2% over the past four weeks, suggesting that investors are betting on its impressive estimate revisions. So, you may consider adding it to your portfolio right away to benefit from its earnings growth prospects.