BILL Holdings, Inc.
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BILL Q3 2026 request
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| Metric | Q3 2026 | Q3 2025 | YoY |
|---|---|---|---|
| Revenue | 406,563 | 358,217 | +13.5% |
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| BILL AP/AR | 183,223 | 163,775 | +11.9% |
| BILL Spend and Expense | 167,227 | 137,908 | +21.3% |
| Embedded Solutions and Other | 20,684 | 18,615 | +11.1% |
| Integrated platform | 350,450 | 301,683 | +16.2% |
| Interest on funds held for customers | 35,429 | 37,919 | -6.6% |
| Subscription and transaction fees | 371,134 | 320,298 | +15.9% |
| Cost Of Goods And Service Excluding Depreciation Depletion And Amortization | 62,726 | 56,733 | +10.6% |
| Cost Of Goods And Services Sold Depreciation And Amortization | 11,982 | 10,479 | +14.3% |
| Cost of Revenue | 74,708 | 67,212 | +11.2% |
| Gross Profit | 331,855 | 291,005 | +14.0% |
| Research & Development | 74,385 | 86,540 | -14.0% |
| Sales & Marketing | 153,226 | 136,758 | +12.0% |
| General & Administrative | 72,286 | 73,851 | -2.1% |
| Acquired Card Receivables And Accounts Receivable Credit Loss Expense Reversal | 18,834 | 14,945 | +26.0% |
| Depreciation And Amortization | 8,479 | 7,857 | +7.9% |
| Restructuring Charges And Other Share Based Compensation Expense | 5,044 | — | — |
| Operating Expenses | 332,254 | 319,951 | +3.8% |
| Operating Income | -399 | -28,946 | +98.6% |
| Non-Operating Income (Expense) | 15,174 | 18,650 | -18.6% |
| Income Before Taxes | 14,775 | -10,296 | +243.5% |
| Income Tax Expense (Benefit) | 1,989 | 1,293 | +53.8% |
| Net Income | 12,786 | -11,589 | +210.3% |
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| Retained Earnings | 12,786 | -11,589 | +210.3% |
| EPS (Basic) | 0.13 | -0.11 | +218.2% |
| EPS (Diluted) | 0.12 | -0.11 | +209.1% |
| Wtd Avg Shares (Basic) | 99,285 | 102,219 | -2.9% |
| Wtd Avg Shares (Diluted) | 112,677 | 102,219 | +10.2% |
| Other Non-Operating Income (Expense) | 15,174 | 18,650 | -18.6% |
| Comprehensive Income | 1,003 | -4,073 | +124.6% |
| Other Comprehensive Income | -11,783 | 7,516 | -256.8% |
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| Accumulated Other Comprehensive Income | -11,783 | 7,516 | -256.8% |
| Provision For Loan Lease And Other Losses | 5,981 | 5,502 | +8.7% |
| Net Income Loss Available To Common Stockholders Basic | 12,786 | -11,589 | +210.3% |
| Interest Income Expense Net | -4,607 | -3,420 | -34.7% |
Balance Sheet
| Metric | Q3 2026 | Q3 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 994,672 | 1,047,737 | -5.1% |
| Available For Sale Securities Debt Securities Current | 1,178,673 | — | — |
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| Asset Backed Securities | 99,753 | — | — |
| Certificates Of Deposit | 15,548 | — | — |
| Corporate Debt Securities | 548,454 | — | — |
| US Treasury Securities | 514,918 | — | — |
| Accounts Receivable | 32,140 | 26,663 | +20.5% |
| Acquired Card Receivables Net Current | 819,359 | 705,535 | +16.1% |
| Prepaid Expenses & Other Current Assets | 259,804 | 241,332 | +7.7% |
| Funds Held For Clients | 3,999,136 | — | — |
| Total Current Assets | 7,283,784 | 6,803,834 | +7.1% |
| Non-Current Assets | |||
| Operating Lease Right-of-Use Assets | 49,936 | 58,076 | -14.0% |
| Property, Plant & Equipment | 138,517 | 104,837 | +32.1% |
| Intangible Assets Net Excluding Goodwill | 177,311 | 237,970 | -25.5% |
| Goodwill | 2,396,509 | 2,396,509 | 0.0% |
| Other Non-Current Assets | 32,749 | 31,410 | +4.3% |
| Total Assets | 10,078,806 | 9,632,636 | +4.6% |
| Current Liabilities | |||
| Accounts Payable | 7,148 | 9,302 | -23.2% |
| Employee Related Liabilities Current | 32,665 | 32,998 | -1.0% |
| Deferred Revenue (Current) | 21,290 | 21,740 | -2.1% |
| Accrued Liabilities | 325,521 | 262,921 | +23.8% |
| Customer Refund Liability Current | 3,999,136 | 3,657,218 | +9.3% |
| Total Current Liabilities | 4,385,760 | 4,017,576 | +9.2% |
| Non-Current Liabilities | |||
| Contract With Customer Liability Noncurrent | 380 | 245 | +55.1% |
| Operating Lease Liabilities | 51,000 | 60,694 | -16.0% |
| Long Term Line Of Credit | 330,000 | 180,006 | +83.3% |
| Convertible Debt Noncurrent | 1,504,854 | 1,499,780 | +0.3% |
| Other Non-Current Liabilities | 4,077 | 3,874 | +5.2% |
| Total Liabilities | 6,276,071 | 5,762,175 | +8.9% |
| Long-Term Debt | 1,834,854 | 1,679,786 | +9.2% |
| Long-Term Debt (Q) | — | — | — |
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| 2027 Notes, principal | 123,548 | 123,548 | 0.0% |
| 2030 Notes, principal | 1,400,000 | 1,400,000 | 0.0% |
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| 2021 Revolving Credit Agreement · Line Of Credit | 180,000 | — | — |
| 2025 Revolving Credit Agreement · Line Of Credit | 150,000 | — | — |
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| Line Of Credit | 330,000 | 180,006 | +83.3% |
| Stockholders' Equity | |||
| Common Stock | 2 | 2 | 0.0% |
| Additional Paid In Capital Common Stock | 5,571,103 | 5,331,897 | +4.5% |
| Accumulated Other Comprehensive Income | 1,992 | 7,277 | -72.6% |
| Retained Earnings | -1,770,362 | -1,468,715 | -20.5% |
| Total Stockholders' Equity | 3,802,735 | 3,870,461 | -1.7% |
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| Accumulated Other Comprehensive Income | 1,992 | 7,277 | -72.6% |
| Additional Paid In Capital | 5,571,103 | 5,331,897 | +4.5% |
| Common Stock | 2 | 2 | 0.0% |
| Retained Earnings | -1,770,362 | -1,468,715 | -20.5% |
| Total Liabilities & Equity | 10,078,806 | 9,632,636 | +4.6% |
Cash Flow Statement
| Metric | YTD Q3 2026 | YTD Q3 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Income | 7,235 | 30,871 | -76.6% |
| Stock-Based Compensation | 176,998 | 182,771 | -3.2% |
| Amortization Of Intangible Assets | 45,494 | 46,760 | -2.7% |
| Depreciation | 16,751 | 9,850 | +70.1% |
| Capitalized Computer Software And Other Paid In Cash Amortization | 25,038 | 10,947 | +128.7% |
| Amortization Of Financing Costs And Discounts | 4,826 | 3,280 | +47.1% |
| Accretion Amortization Of Discounts And Premiums Investments | -19,144 | -29,410 | +34.9% |
| Accretion Amortization Of Discounts And Premiums Loans Held For Investment | -20,760 | -15,239 | -36.2% |
| Provision For Losses On Acquired Card Receivables | 57,554 | 56,964 | +1.0% |
| Non Cash Operating Lease Expense | 6,150 | 6,174 | -0.4% |
| Other Non-Cash Items | 949 | 909 | +4.4% |
| Change in Accounts Receivable | 410 | 1,282 | -68.0% |
| Change in Prepaid & Other Assets | 11,399 | -18,206 | +162.6% |
| Increase Decrease In Other Operating Assets | 74 | 8,398 | -99.1% |
| Change in Accounts Payable | -8,475 | 1,760 | -581.5% |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | 7,741 | 14,381 | -46.2% |
| Increase Decrease In Operating Lease Liability | -7,511 | -7,187 | -4.5% |
| Change in Other Liabilities | 1,166 | 2,261 | -48.4% |
| Change in Deferred Revenue | -1,049 | 812 | -229.2% |
| Net Cash from Operations | 304,846 | 266,828 | +14.2% |
| Investing Activities | |||
| Payment To Acquire Corporate And Customer Fund Short Term Investments | -1,333,209 | -2,314,975 | +42.4% |
| Proceeds From Maturities Of Corporate And Customer Fund Short Term Investments | 1,247,330 | 1,727,367 | -27.8% |
| Payments To Acquire Loans Held For Investment | -759,498 | -576,885 | -31.7% |
| Proceeds From Principal Repayments On Loans And Leases Held For Investment | 767,043 | 564,295 | +35.9% |
| Increase In Acquired Card Receivables | -146,644 | -146,388 | -0.2% |
| Capital Expenditures | -2,959 | -1,546 | -91.4% |
| Payments To Develop Software | -43,760 | -21,219 | -106.2% |
| Other Investing Activities | -1,438 | -1,582 | +9.1% |
| Net Cash from Investing | -273,135 | -773,801 | +64.7% |
| Financing Activities | |||
| Repayments Of Convertible Debt | -33,463 | -539,403 | +93.8% |
| Increase Decrease In Deposits | -56,861 | -61,856 | +8.1% |
| Increase Decrease In Prepaid Card Deposits | 31,557 | 43,473 | -27.4% |
| Share Repurchases | -272,658 | -400,001 | +31.8% |
| Proceeds From Long Term Lines Of Credit | 150,000 | — | — |
| Proceeds From Stock Options Exercised | 1,517 | 2,772 | -45.3% |
| Tax Withholding for Share Compensation | -43,964 | -6,416 | -585.2% |
| Proceeds From Issuance Of Common Stock | 4,648 | 5,302 | -12.3% |
| Proceeds From Payments For Other Financing Activities | -2,254 | — | — |
| Net Cash from Financing | -221,478 | 326,905 | -167.7% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 142 | -181 | +178.5% |
| Net Change in Cash | -189,625 | -180,249 | -5.2% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations | 3,361,260 | 3,171,150 | +6.0% |
| Restricted Cash Current | 110,372 | 92,754 | +19.0% |
| Restricted Cash Noncurrent | 3,304 | 5,297 | -37.6% |
| Restricted Cash And Cash Equivalents Included In Funds Held For Customers | 2,252,912 | 2,025,362 | +11.2% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 3,361,260 | 3,171,150 | +6.0% |
Values in thousands USD. Source: SEC EDGAR 10-Q filing.