Bill Holdings · Tech
BILL
$44.71
BILL Holdings, Inc. is an American company based in San Jose, California, that provides automated, cloud-based software for financial operations for small businesses in the United States.BILLHoldings,Inc.是一家美国公司，总部位于加利福尼亚州圣何塞，为美国小型企业提供自动化的云端财务运营软件。
Distressed困境股
Mid cap中盘
$5B
Engine stance引擎立场2026-07-20
Constructive — building a base建设性 — 正在筑底
The daily turn is already in — a low formed ~18 day(s) ago @ 31.96 and price is back above the 10-day average. What's mi日线转向已经完成——低点于约 18 天前形成 @ 31.96，且价格已重新站上 10 日均线。尚缺的是周线周期的确认，因此这是当下可用的部分信心入场，而非待触发信号：可在此建半仓，或等待周线转向。
Key Statistics关键统计
Price价格
$44.71
20.6% below 52-week high低于52周高点 20.6%
Market Cap市值
$5B
Normal volume正常成交量
P/E Ratio市盈率
193.5x
40.2x sector median
Beta贝塔
1.64
Moves about 1.6x the market波动幅度约为市场的 1.6 倍
RSI (14)RSI（14）
70
Overbought超买区域
Volatility Rank波动率分位
47th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
12.4% of float
Performance价格表现
| Period周期 | BILL | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +8.1% | -1.5% | Beat the index by 9.6 points跑赢指数 9.6 个百分点 |
| 1 Month近1月 | +38.9% | +0.6% | Beat the index by 38.3 points跑赢指数 38.3 个百分点 |
| 3 Months近3月 | +15.2% | +4.7% | Beat the index by 10.5 points跑赢指数 10.5 个百分点 |
| 6 Months近6月 | -4.1% | +7.8% | Lagged the index by 11.9 points落后指数 11.9 个百分点 |
| Year to date年初至今 | -11.6% | +9.1% | Lagged the index by 20.7 points落后指数 20.7 个百分点 |
| 1 Year近1年 | -5.7% | +19.4% | Lagged the index by 25.1 points落后指数 25.1 个百分点 |
| 3 Years近3年 | -67.0% | +69.4% | Lagged the index by 136.4 points落后指数 136.4 个百分点 |
Technicals技术面
RSI (14)RSI（14）
70
Overbought超买区域
vs 50-day相对50日均线
+19.6% vs 50-day avg
vs 200-day相对200日均线
+1.0% vs 200-day avg
Volatility rank波动率分位
47th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$43.78
Don't chase above不追高于
$45.46
Stop止损
$31.96
Cycle turn — awaiting confluence cross周期拐点 — 等待共振交叉确认
Earnings财务业绩
Estimates being raised — 7 analysts预期上调 — 7 位分析师
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | BILL | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 193.52x | 40.17 | 7% |
| P/B市净率 | 1.21x | 5.85 | 95% |
| P/S市销率 | 3.15x | 4.85 | 66% |
| Earnings yield盈利收益率 | 0.52% | 2.19 | 20% |
| FCF yield自由现金流收益率 | 7.52% | 3.05 | 84% |
| Shareholder yield股东收益率 | 9.34% | 2.16 | 91% |
| P/FCF市值/自由现金流 | 13.30x | 30.46 | 82% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: 56.1%
Earnings Per Share每股收益
Free Cash Flow自由现金流
Margins利润率
0.6%Return on Equity股本回报率
0.2%Return on Assets资产回报率
Leverage杠杆
| Current ratio流动比率 | 1.58 |
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $430.0M |
| Stock-based comp股权薪酬 | $242.5M |
| Share count change (1y)股数变化（1年） | -3.4% |
Piotroski皮奥特罗斯基 7/9
Altman Z阿尔特曼Z: distress (0.7)
Watch关注
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 63% of its sector on blended multiples综合估值倍数低于行业内 63% 的公司
Beta市场敏感度
1.64×
0.21×3×
Moves about 1.6× the market波动幅度约为市场的 1.6 倍
Financial Health财务健康
7/9
Altman阿尔特曼: distress
Strong financial health财务健康状况良好
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Macro宏观
Rate risk runs through its market / growth beta, not a distinct duration leg.其利率风险通过市场／成长beta体现，并无独立的久期暴露。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
BILL took relative-strength leadershipBILL 取得相对强弱领先
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$0.1M net (0 buyers, 1 sellers)-$0.1M 净值（0 买家，1 卖家）
Concentrated ownership集中持仓
| Fund基金 | Grade评级 | Activity动作 | % of portfolio组合占比 | As of截至 |
|---|---|---|---|---|
| Soros Fund Management | B | New position新建仓 | 0.1% | 2026-03-31 |
| Starboard Value | B | Holding持有 | 5.9% | 2026-03-31 |
| Light Street Capital | B | trimtrim | 4.5% | 2026-03-31 |
| Elliott Investment Management | C | exitexit | 0.0% | 2026-03-31 |
Signal History信号历史
TURN SIGNALED
BOTTOMING
Jul 17, 2026
BILL took relative-strength leadershipBILL 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $44.71.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$44.71。
Jul 15, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 15, 2026
BILL reclaimed its 200-day averageBILL 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $44.63.收盘重回200日均线 — 经典的多头分界线。$44.63。
Jul 15, 2026
BILL RSI reached overboughtBILL RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $44.63.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$44.63。
Jul 14, 2026
UPTREND → NEARING A HIGH上涨趋势 → 接近高点
TAKE PROFITS止盈
Jul 13, 2026
BILL RSI reached overboughtBILL RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $42.86.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$42.86。
Jul 10, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Jul 6, 2026
BUY ZONE → BOTTOMING买入区 → 筑底中
BUY SETUP买入预备
Jul 3, 2026
BILL weekly MACD crossed upBILL 周线MACD上穿
The weekly MACD histogram turned positive — the slower, less-whippy momentum read.周线MACD柱状图转正 — 更慢、更少来回的动量信号。
Showing last 15 of显示最近15条，共 236 signals条信号
Factor Profile因子特征
Composite factor score综合因子得分: -0.22
Value价值
+0.2
Profitability盈利能力
-1.1
Quality质量
-0.3
Investment资本投入
+0.2
Shareholder payout股东回报
+1.4
Low volatility低波动
-1.7
Low market beta低市场敏感度
-1.1
Earnings quality盈利质量
-0.2
Short interest空头兴趣
-1.0
Company Profile公司档案
BILL Holdings, Inc. is an American company based in San Jose, California, that provides automated, cloud-based software for financial operations for small businesses in the United States.BILLHoldings,Inc.是一家美国公司，总部位于加利福尼亚州圣何塞，为美国小型企业提供自动化的云端财务运营软件。
Watch items — what could change the thesis关注项 — 可能改变论点的因素
- Margin compression despite revenue growth
- Capital intensity rising
Get the full picture获取完整视图
Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。