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Bill.com Holdings (BILL)
NYSE:BILL
Earnings Data
Report Date
Apr 30, 2026After Close (Confirmed)
Period Ending
2026 (Q3)Consensus EPS Forecast
0.52Last Year’s EPS
0.5Same Quarter Last Year
Moderate Buy
Based on 16 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted a strong quarter with a clear beat on core revenue and margin expansion, robust product and AI-driven operational progress, accelerating card and invoice financing volumes, and meaningful partnerships that expand distribution. Management also laid out upgraded FY26 guidance, returned capital via $133M buybacks, and emphasized multi-product adoption and durable network advantages. Moderating factors include a planned shift toward larger customers that may slow net adds, modest TPV growth per customer, ongoing rewards/take-rate optimization, and multi-year timing for broader cost efficiencies and enterprise initiatives like SPP. On balance, the positive execution, upgraded guidance, and product/AI momentum outweigh the near-term trade-offs and executional risks.Company Guidance
Core Revenue Beat and Acceleration
Q2 core revenue of $375 million, up 17% year-over-year, exceeding the top end of guidance and representing a sequential acceleration of 370 basis points.
Margin Expansion and Profitability
Non-GAAP operating margin of 18% in Q2 (excluding float margin expansion of 70 bps sequentially and 290 bps year-over-year). FY26 non-GAAP operating income guidance implies ~17% operating margin and >320 bps year-over-year expansion (excluding float).
Strong Platform Scale and Network
Nearly 500,000 customers, >9,500 accounting firms, and a proprietary B2B payment network with over 8 million businesses and ~$1 trillion in payments processed historically (company cites moving over 1% of U.S. GDP).
Multiproduct Adoption Driving Higher Revenue per Customer
Number of businesses using both AP/AR and Spend & Expense grew 28% year-over-year in Q2, producing higher revenue per customer and increased stickiness.
Spend & Expense and Card Volume Strength
Spend & Expense revenue was $166 million, up 24% year-over-year. Card payment volume increased 25% year-over-year in Q2 and AP card payment volume grew >160% year-over-year for AP use cases. Card take rate was ~255 basis points in Q2.
Strong Product Momentum in Invoice Financing
Invoice financing customers grew nearly 50% year-over-year in Q2 and origination volume increased by more than 30%, with improved unit economics as adoption increased.
AI/Agent Deployments Delivering Operational Benefits
Agentic AI live across platform: W-9 agent enabled by ~10,000 customers collecting 40,000 W-9s to date with a goal of 3 million by year-end; invoice coding agent reduces steps required by ~90%; Bill Assistant tripled self-serve rates from 13% to 40%; fraud/risk systems stopped 5.3 million fraudulent attempts and cut manual fraud reviews by 40% in H1.
Embed 2.0 Partnerships and Reach
Announced and brought to market Embed 2.0 partners (NetSuite, Acumatica, Paychex) within ~3 months; these partnerships collectively unlock potential to reach close to 1 million additional businesses.
Actionable Balance Sheet and Capital Return
Repurchased $133 million of stock in the quarter and reiterated full-year financial guidance upgrades (core revenue $1.49B–$1.51B; total revenue $1.631B–$1.651B), and float revenue guide of $141.5 million.
BILL Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BILL Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 05, 2026 | $35.68 | ― | ― |
Nov 06, 2025 | $44.37 | $45.59 | +2.75% |
Aug 27, 2025 | $41.63 | $49.20 | +18.18% |
May 08, 2025 | $47.57 | $44.72 | -5.99% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bill.com Holdings (BILL) report earnings?
Bill.com Holdings (BILL) is schdueled to report earning on Apr 30, 2026, After Close (Confirmed).
What is Bill.com Holdings (BILL) earnings time?
Bill.com Holdings (BILL) earnings time is at Apr 30, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BILL EPS forecast?
BILL EPS forecast for the fiscal quarter 2026 (Q3) is 0.52.
