📊 AI Stock Rating — Summary

In the recent quarter ended September 30, 2025, BILL reported revenue of approximately $396 million with a net loss of $2.96 million, equating to an EPS of -$0.03. Free cash flow was strong at nearly $97.9 million. Year-over-year growth is evident in revenue, showcasing BILL's capacity to augment its top-line even amidst profitability challenges. The company is yet to achieve consistent bottom-line profit, indicated by a net loss. Strong operational cash flow and minimal capital expenditures reinforce the high-quality nature of BILL's cash flow performance. The balance sheet remains robust with total assets of approximately $10.15 billion and net debts of $822 million, presenting a responsible leverage situation. Notably, BILL continues to reinvest in its growth and strategic initiatives, as seen with its stock repurchases totaling about $83 million. Analysts’ price targets suggest upside potential, with a consensus around $51. Revenue growth is a key driver, but the lack of dividends and current profitability constrain shareholder returns. However, with effective cash flow management and strategic asset allocation, BILL is positioned for potential future value creation.

AI Score Breakdown

Revenue Growth — Score: 8/10

Revenue growth remains strong with a focus on expanding top-line performance. The strategic initiatives appear to be the main growth drivers.

Profitability — Score: 4/10

Operating and net margins are under pressure due to ongoing net losses. EPS continues to be negative, which reflects the company's current inefficiency in translating revenues into profits.

Cash Flow Quality — Score: 9/10

Free cash flow is robust, supported by strong operating cash flow and minimal capex. Liquidity remains strong with significant cash reserves, though payout activities are limited.

Leverage & Balance Sheet — Score: 7/10

The company exhibits prudent leverage with net debt to equity ratio appearing stable. Total liabilities are well covered by assets, demonstrating financial resilience.

Shareholder Returns — Score: 5/10

Shareholder returns are subdued due to the absence of dividends and share price performance. Stock repurchases were noted, but no significant appreciation or payouts were present over the last evaluation period.

Analyst Sentiment & Valuation — Score: 6/10

Analyst price targets suggest potential upside. Despite current valuation weaknesses owing to ongoing losses, market sentiment remains cautiously optimistic based on price targets.

⚠ AI-generated — informational only, not financial advice.