Equity Profile

BILL

BILL Holdings, Inc.

Information TechnologyApplication Software$3.7B

Aug26Wed

Pre-Earnings Brief

UpcomingQ4-2026After Close5:00 PM EDT

Company Snapshot

BILL Holdings, Inc. operates in the Information Technology sector, focusing on application software solutions that help businesses manage their payments and financial operations....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a critical measure of profitability and will indicate how well the company is managing its costs and generating income.

N/A

Revenue Growth

Revenue growth is essential for understanding the company's ability to expand its customer base and market share.

N/A

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

BILL Q4-2026 Earnings Preview

Context

Company Snapshot

BILL Holdings, Inc. operates in the Information Technology sector, focusing on application software solutions that help businesses manage their payments and financial operations. As digital transactions continue to grow, BILL's services are increasingly relevant, making it a key player in the evolving landscape of financial technology.

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 Q3-2026, BILL reported an impressive EPS of $0.68, significantly surpassing expectations by 672.73%. Despite the strong earnings, the stock saw a modest increase of 1.59% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic about BILL's upcoming earnings report, especially given the company's strong track record of beating EPS estimates. However, there is uncertainty regarding revenue performance, as no estimates are available.

Bull Case

If BILL continues its trend of strong earnings surprises, it could lead to increased investor confidence and a significant stock price jump.

Bear Case

On the other hand, if the company fails to meet expectations or if revenue growth stalls, it could lead to a sharp decline in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be this quarter, and how does it compare to previous quarters?

Given BILL's history of significant EPS surprises, this number will be crucial for investor sentiment and stock performance.

How is revenue growth trending, especially in light of competitive pressures?

Understanding revenue growth will help gauge the company's market position and future prospects.

Edge

What the Street Is Missing

Why consensus could be wrong

The market may be underestimating BILL's ability to sustain its high EPS growth, as historical performance shows a consistent ability to surprise positively.

Supporting Evidence

BILL has a 100% EPS beat rate over the last eight quarters, indicating strong operational execution.

The options market is pricing in a larger move than historical averages, suggesting that traders expect significant volatility.

BILL's recent performance has shown resilience despite broader market challenges.

Key Risk

If EPS comes in below $0.50, it could challenge the narrative of sustained growth and profitability.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The upcoming earnings report is critical as it will reveal whether BILL can maintain its momentum in a competitive market.

Bull Confirmed If

An EPS of $0.70 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $0.50 would raise concerns about profitability and growth sustainability.

Pre-Earnings Positioning

Options Market

Implied Move

±34.33%

Historical Avg

±2.4%

Pricing rich

The options market is pricing in a significant move, suggesting that traders anticipate high volatility around the earnings announcement.

Options are pricing ±26.2% while BILL has averaged ±2.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

55.4%

Calls (391K)P/C Ratio: 0.35Puts (106K)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If BILL beats expectations, history suggests the stock could see an average increase of around 2.4%, confirming strong operational health.

In-Line / Cautious

If results are in line but management's commentary is cautious, the stock may experience muted movement as investors reassess growth prospects.

Miss

Should BILL miss expectations, the average historical move suggests a decline of around 4.6%, indicating potential investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies and their effectiveness.
2Insights into cost management and operational efficiencies.
3Discussion on competitive landscape and market share.
4Details on product innovations or enhancements.
5Management's outlook on future revenue growth.

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Company Snapshot

BILL Holdings, Inc. operates in the Information Technology sector, focusing on application software solutions that help businesses manage their payments and financial operations....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a critical measure of profitability and will indicate how well the company is managing its costs and generating income.

N/A

Revenue Growth

Revenue growth is essential for understanding the company's ability to expand its customer base and market share.

N/A

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

BILL Q4-2026 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

In Q3-2026, BILL reported an impressive EPS of $0.68, significantly surpassing expectations by 672.73%. Despite the strong earnings, the stock saw a modest increase of 1.59% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If BILL continues its trend of strong earnings surprises, it could lead to increased investor confidence and a significant stock price jump.

Bear Case

On the other hand, if the company fails to meet expectations or if revenue growth stalls, it could lead to a sharp decline in stock price.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be this quarter, and how does it compare to previous quarters?

Given BILL's history of significant EPS surprises, this number will be crucial for investor sentiment and stock performance.

How is revenue growth trending, especially in light of competitive pressures?

Understanding revenue growth will help gauge the company's market position and future prospects.

Edge

What the Street Is Missing

Why consensus could be wrong

The market may be underestimating BILL's ability to sustain its high EPS growth, as historical performance shows a consistent ability to surprise positively.

Supporting Evidence

BILL has a 100% EPS beat rate over the last eight quarters, indicating strong operational execution.

The options market is pricing in a larger move than historical averages, suggesting that traders expect significant volatility.

BILL's recent performance has shown resilience despite broader market challenges.

Key Risk

If EPS comes in below $0.50, it could challenge the narrative of sustained growth and profitability.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The upcoming earnings report is critical as it will reveal whether BILL can maintain its momentum in a competitive market.

Bull Confirmed If

An EPS of $0.70 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $0.50 would raise concerns about profitability and growth sustainability.

Pre-Earnings Positioning

Options Market

Implied Move

±34.33%

Historical Avg

±2.4%

Pricing rich

The options market is pricing in a significant move, suggesting that traders anticipate high volatility around the earnings announcement.

Options are pricing ±26.2% while BILL has averaged ±2.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

55.4%

Calls (391K)P/C Ratio: 0.35Puts (106K)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If BILL beats expectations, history suggests the stock could see an average increase of around 2.4%, confirming strong operational health.

In-Line / Cautious

If results are in line but management's commentary is cautious, the stock may experience muted movement as investors reassess growth prospects.

Miss

Should BILL miss expectations, the average historical move suggests a decline of around 4.6%, indicating potential investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies and their effectiveness.
2Insights into cost management and operational efficiencies.
3Discussion on competitive landscape and market share.
4Details on product innovations or enhancements.
5Management's outlook on future revenue growth.