Equity Profile

BILL

BILL Holdings, Inc.

Information TechnologyApplication Software$3.7B

May7Thu

Post-Earnings Recap

ReportedQ3-2026After Close4:01 PM EDT

BILL Holdings, Inc. Beats on EPS, Stock Up 1.59%

Metric	Actual	Expected	Surprise
EPS	$0.68	$0.55	+672.73%
Revenue	—	$402M	—

management commentary, guidance changes, and full analysis available with Pro.

BILL Holdings, Inc. Beats on EPS, Stock Up 1.59%

Key Numbers

Metric	Actual	Expected	Surprise
EPS	$0.68	$0.55	+672.73%
Revenue	—	$402M	—

Management Commentary

Tone: Unknown

No transcript is on record, and the analysis is based on numerical results only.

What It Means

BILL Holdings, Inc. reported a strong earnings per share that significantly exceeded expectations, which contributed to a positive stock reaction, with shares rising by 1.59%. However, there was no revenue figure reported, leaving some uncertainty about overall performance. The lack of guidance may lead investors to remain cautious as they assess future growth prospects.

Company Snapshot

BILL Holdings, Inc. operates in the Information Technology sector, focusing on application software that helps businesses manage their finances more efficiently....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of the company's profitability and financial health, which investors closely monitor.

0.55

Revenue

Revenue figures provide insight into the company's sales performance and market demand for its software solutions.

402M

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

BILL Holdings, Inc. operates in the Information Technology sector, focusing on application software that helps businesses manage their finances more efficiently. With a market cap of $4 billion, the company plays a significant role in the growing trend of digital financial solutions, which are increasingly important for businesses looking to streamline operations and reduce costs.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+1252.11%

Avg Stock Reaction

-0.32%

Last Quarter Recap

In Q2-2026, BILL reported an impressive EPS of $0.64, significantly exceeding analyst expectations. However, the stock fell by 4.16% the following day, indicating possible profit-taking or market skepticism despite the strong earnings.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are generally optimistic about BILL's upcoming earnings, expecting solid performance in both EPS and revenue. The company has a strong track record of beating earnings expectations, which could lead to positive sentiment.

Bull Case

If BILL continues its trend of beating EPS estimates, it could see a significant uptick in stock price, especially if revenue also exceeds expectations.

Bear Case

Conversely, if the company fails to meet even the lowered expectations, it could face a sharp decline in stock price, particularly given the high implied volatility in the options market.

Key Metrics to Watch

EPS

0.55

Earnings per share is a key indicator of the company's profitability and financial health, which investors closely monitor.

Revenue

402M

Revenue figures provide insight into the company's sales performance and market demand for its software solutions.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will BILL's EPS exceed $0.55 as anticipated?

Given the company's strong history of beating EPS estimates, this number will be crucial for investor confidence.

What will the revenue figure be relative to the $402 million consensus?

Revenue performance will indicate demand for BILL's products and overall business health, impacting future growth expectations.

Edge

What the Street Is Missing

Why consensus could be wrong

The market may be underestimating BILL's ability to sustain high growth rates, especially given its recent earnings surprises.

Supporting Evidence

BILL has consistently beaten EPS estimates, with a 100% beat rate over the last eight quarters.

The options market is pricing in a significant move, indicating that investors are bracing for volatility.

Despite strong earnings, the stock has reacted negatively, suggesting that current sentiment may not fully reflect the company's growth potential.

Key Risk

If BILL's revenue significantly exceeds $402 million, it could challenge current bearish sentiment and shift market expectations.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will either reinforce the company's growth narrative or raise concerns about its future prospects.

Bull Confirmed If

BILL needs to report EPS growth above $0.55 and revenue exceeding $402 million to confirm bullish sentiment.

Bear Confirmed If

A miss on EPS or revenue could signal underlying issues, confirming bearish sentiment.

Pre-Earnings Positioning

Options Market

Implied Move

±15.45%

Historical Avg

±2.4%

Pricing rich

The options market is pricing in a significant potential move, indicating that investors expect volatility around the earnings announcement.

Options are pricing ±15.5% while BILL has averaged ±2.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

4.3%

30d HV

48.5%

Calls (146K)P/C Ratio: 1.93Puts (432K)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If BILL beats expectations, history suggests a potential average one-day move of +2.31%, confirming strong market confidence.

In-Line / Cautious

If results are in line with expectations, the stock may experience muted movement as investors await further guidance.

Miss

A miss could lead to a decline, with historical patterns suggesting a potential average one-day drop of -0.42%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition and retention rates.
2Insights into the competitive landscape and how BILL is positioning itself.
3Management's outlook on future revenue growth and market expansion.
4Details on any new product launches or innovations.
5Comments on macroeconomic factors affecting business performance.

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Company Snapshot

BILL Holdings, Inc. operates in the Information Technology sector, focusing on application software that helps businesses manage their finances more efficiently....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of the company's profitability and financial health, which investors closely monitor.

0.55

Revenue

Revenue figures provide insight into the company's sales performance and market demand for its software solutions.

402M

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+1252.11%

Avg Stock Reaction

-0.32%

Last Quarter Recap

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If BILL continues its trend of beating EPS estimates, it could see a significant uptick in stock price, especially if revenue also exceeds expectations.

Bear Case

Conversely, if the company fails to meet even the lowered expectations, it could face a sharp decline in stock price, particularly given the high implied volatility in the options market.

Key Metrics to Watch

EPS

0.55

Earnings per share is a key indicator of the company's profitability and financial health, which investors closely monitor.

Revenue

402M

Revenue figures provide insight into the company's sales performance and market demand for its software solutions.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will BILL's EPS exceed $0.55 as anticipated?

Given the company's strong history of beating EPS estimates, this number will be crucial for investor confidence.

What will the revenue figure be relative to the $402 million consensus?

Revenue performance will indicate demand for BILL's products and overall business health, impacting future growth expectations.

Edge

What the Street Is Missing

Why consensus could be wrong

The market may be underestimating BILL's ability to sustain high growth rates, especially given its recent earnings surprises.

Supporting Evidence

BILL has consistently beaten EPS estimates, with a 100% beat rate over the last eight quarters.

The options market is pricing in a significant move, indicating that investors are bracing for volatility.

Despite strong earnings, the stock has reacted negatively, suggesting that current sentiment may not fully reflect the company's growth potential.

Key Risk

If BILL's revenue significantly exceeds $402 million, it could challenge current bearish sentiment and shift market expectations.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will either reinforce the company's growth narrative or raise concerns about its future prospects.

Bull Confirmed If

BILL needs to report EPS growth above $0.55 and revenue exceeding $402 million to confirm bullish sentiment.

Bear Confirmed If

A miss on EPS or revenue could signal underlying issues, confirming bearish sentiment.

Pre-Earnings Positioning

Options Market

Implied Move

±15.45%

Historical Avg

±2.4%

Pricing rich

The options market is pricing in a significant potential move, indicating that investors expect volatility around the earnings announcement.

Options are pricing ±15.5% while BILL has averaged ±2.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

4.3%

30d HV

48.5%

Calls (146K)P/C Ratio: 1.93Puts (432K)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If BILL beats expectations, history suggests a potential average one-day move of +2.31%, confirming strong market confidence.

In-Line / Cautious

If results are in line with expectations, the stock may experience muted movement as investors await further guidance.

Miss

A miss could lead to a decline, with historical patterns suggesting a potential average one-day drop of -0.42%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition and retention rates.
2Insights into the competitive landscape and how BILL is positioning itself.
3Management's outlook on future revenue growth and market expansion.
4Details on any new product launches or innovations.
5Comments on macroeconomic factors affecting business performance.