BILL Holdings, Inc. (BILL)
NYSE:BILL
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Earnings Data
Report Date
Aug 20, 2026After Close (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
0.7Last Year’s EPS
0.53Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasizes durable revenue growth, meaningful margin expansion and a strategic pivot to an AI-native operating model with measurable early AI adoption metrics. Management achieved GAAP profitability, raised full-year guidance, authorized a $1B buyback and outlined significant cost-savings initiatives. However, the company is executing a sizable workforce reduction (up to 30%), expects net new customer adds to moderate as it moves upmarket, and faces uneven demand across some verticals plus longer sales cycles in enterprise supplier offerings. On balance, the positives around strong financial results, margin improvement, AI-driven productivity gains and capital returns outweigh the execution and transition risks disclosed.Company Guidance
Core Revenue Growth
Core revenue of $371 million in Q3, up 16% year-over-year, demonstrating continued top-line growth.
Profitability and Margin Expansion
Achieved GAAP profitability in the quarter; non-GAAP operating margin of ~20%, expanding 176 basis points sequentially and 475 basis points year-over-year; non-GAAP net income of $77 million (+5% sequentially, +32% year-over-year).
Updated FY'26 Guidance and Upgrades
Raised full-year midpoint: core revenue now $1.496B–$1.506B (15%–16% YoY); total revenue $1.642B–$1.652B; non-GAAP operating income $303.6M–$308.6M (~19% margin), implying >460 bps YoY margin expansion (ex-float) and ~270 bps additional improvement vs prior guidance.
Spend & Expense Momentum
Spend & Expense revenue of $167 million, up 21% year-over-year; card payment volume grew 23% YoY; quarter take rate ~254 basis points; transaction monetization improving with favorable mix (high-interchange verticals).
AP/AR Performance and Monetization
AP/AR core revenue grew 12% YoY; AP/AR transaction revenue $122 million (+13% YoY); AP/AR take rate 16.5% (modest expansion); transaction revenue per transaction $10.14 (+8% YoY).
Customer & Platform Adoption
Added ~4,100 net new customers in Q3; over 20,000 businesses now use both AP and Spend & Expand products with joint-customer count accelerating 39% YoY; TPV (same-store) grew 4% YoY.
AI Adoption and Operational Impact
Over 100,000 customers using AI agents; agents automated ~1.2 million invoices across ~9 million data fields; tens of thousands of autonomous card transactions executed by 'pay-for-you' agent; launched QA agent scoring 100% of customer interactions (vs prior 1–2% sampling) to drive efficiency and retention.
Scale and Network Strength
Platform has moved over $1 trillion in payments and processed over 1 billion financial documents; partner ecosystem of nearly 10,000 accountants/banks/software partners and a B2B payment network of over 8 million members.
Capital Allocation - Share Repurchase
Board authorized up to $1 billion aggregate share repurchase program to return capital and retire shares.
Operational Cost Savings Roadmap
Workforce optimization expected to generate approximately $110 million in gross annualized savings with $20M–$30M to be reinvested into critical growth areas in FY'27, supporting further margin expansion.
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 |
|---|---|---|---|
May 07, 2026 | $37.66 | $41.83 | +11.07% |
Feb 05, 2026 | $35.68 | $48.94 | +37.16% |
Nov 06, 2025 | $44.37 | $45.59 | +2.75% |
Aug 27, 2025 | $41.63 | $49.20 | +18.18% |
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 Holdings, Inc. (BILL) report earnings?
BILL Holdings, Inc. (BILL) is schdueled to report earning on Aug 20, 2026, After Close (Confirmed).
What is BILL Holdings, Inc. (BILL) earnings time?
BILL Holdings, Inc. (BILL) earnings time is at Aug 20, 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 (Q4) is 0.7.
