What is the 13F Pro Quality Score for BILL?

13F Pro ranks BILL Holdings, Inc. (BILL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BILL's current score at https://13fpro.ai/research/BILL (free sign-up required for the full ranking).

Which hedge funds own the most BILL stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of BILL include ER Collective Holdings,, BlackRock,, Starboard Value. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/BILL as soon as new 13F filings post.

Where does 13F Pro source BILL data?

All BILL Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. BILL Holdings, Inc. files with the SEC under CIK 1786352. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BILL in?

BILL Holdings, Inc. (BILL) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

How often is BILL research updated on 13F Pro?

BILL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

BILL Holdings, Inc.(BILL)Stock Analysis

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13F Pro Quality Score

56.8/100

Rank #1,083 of 2,879 stocksTOP 50%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

75.6/100

Profitability

37.0/100

Balance Sheet

35.8/100

Earnings Quality

85.4/100

Free Cash Flow

82.8/100

Institutional Flow

56.6/100

Revenue Scale

58.5/100

Dilution Risk

11.4/100

BILL Stock Analysis & AI Quality Score

AI stock analysis and institutional research for BILL Holdings, Inc. (BILL), a Technology sector company. 13F Pro's AI-powered ranking engine scores BILL at 56.8/100 on a 32-signal composite quality model, placing it at rank #1,083 of 2,879 stocks — the top half of the AI-ranked universe. BILL scores in the top quartile across earnings quality (85.4), free cash flow (82.8), revenue growth (75.6). Areas of concern include balance sheet strength (35.8) and profitability (37.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 11.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q3 2026), BILL Holdings, Inc. reports quarterly revenue of $406.6M, net income of $12.8M, free cash flow of $102.5M. Top institutional holders of BILL by reported 13-F value include ER Collective Holdings,, BlackRock,, Starboard Value, based on the most recent SEC filings. BILL trades on the NYSE exchange and files with the SEC under CIK 1786352. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BILL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BILL Holdings, Inc. directly from SEC EDGAR. BILL Holdings, Inc.'s 13F Pro composite quality score has ranged between 8 and 74 since 2023, currently 56.8 — an improving long-term trajectory across 47 quarterly and live scoring snapshots.

Revenue

Q3 2026

$406.6M

Net Income

Q3 2026

$12.8M

Free Cash Flow

Q3 2026

$102.5M

ROIC

Q3 2026

-0.0%

D/E Ratio

Q3 2026

0.48

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+13.4% YoY

$1.46BFY 2025

FY22 $642.0MFY23 $1.06BFY24 $1.29BFY25 $1.46B

Net Income

+182.4% YoY

$23.8MFY 2025

FY22 $-326.4MFY23 $-223.7MFY24 $-28.9MFY25 $23.8M

Operating Income

+53.7% YoY

$-80.6MFY 2025

FY22 $-316.8MFY23 $-295.8MFY24 $-174.2MFY25 $-80.6M

EPS (Diluted)

+74.1% YoY

$-0.07FY 2025

FY22 $-3.21FY23 $-2.11FY24 $-0.27FY25 $-0.07

Total Assets

+9.6% YoY

$10.06BFY 2025

FY22 $9.26BFY23 $9.64BFY24 $9.18BFY25 $10.06B

Total Debt

+87.6% YoY

$1.71BFY 2025

FY22 $1.77BFY23 $1.84BFY24 $914.0MFY25 $1.71B

Op. Cash Flow

+25.8% YoY

$350.6MFY 2025

FY22 $-18.1MFY23 $187.8MFY24 $278.8MFY25 $350.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019	FY 2018
Revenue	$1.46B +13.4%	$1.29B +21.9%	$1.06B +64.9%	$642.0M +492.5%	$108.4M +67.0%	$64.9M
Net Income	$23.8M +182.4%	$-28.9M +87.1%	$-223.7M +31.4%	$-326.4M -4362.1%	$-7.3M -1.7%	$-7.2M
Operating Income	$-80.6M +53.7%	$-174.2M +41.1%	$-295.8M +6.6%	$-316.8M -3131.8%	$-9.8M -25.4%	$-7.8M
EPS (Diluted)	$-0.07 +74.1%	$-0.27 +87.2%	$-2.11 +34.3%	$-3.21	—	—
Total Assets	$10.06B +9.6%	$9.18B -4.7%	$9.64B +4.1%	$9.26B +506.4%	$1.53B	—
Total Debt	$1.71B +87.6%	$914.0M -50.3%	$1.84B +3.8%	$1.77B	—	—
Operating Cash Flow	$350.6M +25.8%	$278.8M +48.5%	$187.8M +1137.8%	$-18.1M -358.2%	$-3.9M +52.7%	$-8.4M

AI Insight: BILL Financial Trends

BILL's operating loss nearly closed to breakeven in Q1 2026, but total debt has doubled since Q2 2024 while revenue growth has decelerated.

• Operating loss narrowed sharply from -$29M in Q1 2025 to approximately breakeven (-$0M) in Q1 2026.

• Net income swung from -$12M in Q1 2025 to +$13M in Q1 2026, first positive reading in four quarters.

• Total debt roughly doubled from $914M in Q2 2024 to $1,835M in Q1 2026, significantly increasing leverage.

• Revenue growth has slowed; Q1 2026 revenue of $407M declined sequentially from Q4 2025's $415M.

⚠ Equity has eroded from $4,134M in Q2 2024 to $3,803M in Q1 2026 as debt load rises — balance sheet deteriorating.

⚠ Operating cash flow of $103M in Q1 2026 remains healthy; sustaining this against rising interest burden is key.

⚠ Sequential revenue dip in Q1 2026 after steady gains — watch whether growth re-accelerates or stalls further.

AI Insight: BILL Ratio Trends

BILL's operating margin rebounded sharply to -0.1% in Q1 2026, its best quarter since coverage began, signaling a potential inflection toward profitability.

• Operating margin improved steadily from -8.1% in Q1 2025 to -0.1% in Q1 2026 — a 8pp recovery over four quarters.

• Net profit margin turned positive at 3.1% in Q1 2026, reversing losses seen across Q1–Q4 2025.

• ROIC recovered from -2.1% in Q1 2025 to nearly breakeven at -0.0% in Q1 2026, the strongest reading in the dataset.

• D/E ratio climbed from 0.22 in Q2 2024 to 0.48 in Q1 2026, reflecting meaningfully higher leverage over the period.

⚠ TTM NPM sits at 0.0% despite Q1 2026's 3.1% — trailing profitability remains fragile and one weak quarter could reverse it.

⚠ D/E has more than doubled from 0.22 to 0.48 since Q2 2024; monitor whether leverage stabilizes or continues rising.

⚠ Q1 2026's near-breakeven operating margin warrants confirmation — sustainability across Q2–Q3 2026 is the key inflection test.

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Available Research

13F Pro tracks comprehensive data for BILL Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BILL

ER Collective Holdings, LLC
$326.3M8,518,300 sh
BlackRock, Inc.
$320.1M8,357,143 sh
Starboard Value LP
$269.1M7,024,848 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$217.7M5,684,842 sh
LINDEN ADVISORS LP
$199.2M223,559,000 sh
SOROS FUND MANAGEMENT LLC
$186.6M209,679,000 sh
VOYA INVESTMENT MANAGEMENT LLC
$166.2M186,325,000 sh
VANGUARD CAPITAL MANAGEMENT LLC
$150.2M3,921,018 sh
WELLINGTON MANAGEMENT GROUP LLP
$147.9M3,862,663 sh
Senvest Management, LLC
$146.9M3,835,348 sh

Fund	Value	Shares
ER Collective Holdings, LLC	$326.3M	8,518,300
BlackRock, Inc.	$320.1M	8,357,143
Starboard Value LP	$269.1M	7,024,848
VANGUARD PORTFOLIO MANAGEMENT LLC	$217.7M	5,684,842
LINDEN ADVISORS LP	$199.2M	223,559,000
SOROS FUND MANAGEMENT LLC	$186.6M	209,679,000
VOYA INVESTMENT MANAGEMENT LLC	$166.2M	186,325,000
VANGUARD CAPITAL MANAGEMENT LLC	$150.2M	3,921,018
WELLINGTON MANAGEMENT GROUP LLP	$147.9M	3,862,663
Senvest Management, LLC	$146.9M	3,835,348

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Is BILL a good stock to buy?

13F Pro's AI-powered analysis of BILL Holdings, Inc. (BILL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BILL are available on the BILL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BILL?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BILL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of BILL Holdings, Inc.'s investment landscape.