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, specifically in application software....

Key Metrics to Watch

Earnings Per Share (EPS)

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

$0.68

Revenue Growth

Revenue growth will provide insight into the company's ability to attract new customers and expand its market share.

N/A

1 more metrics, 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, specifically in application software. The company provides solutions that help businesses manage their financial operations more efficiently, which is increasingly important as companies look to streamline processes 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 the last quarter, BILL reported an impressive EPS of $0.68, significantly beating expectations. However, revenue figures were not disclosed, leaving some uncertainty about overall performance.

Management Promises & Guidance

Focus on enhancing customer experience.
Commitment to expanding product offerings.
Plans to invest in technology upgrades.

Expectations

Wall Street Expectations

Overall, investors are cautiously optimistic about BILL's upcoming earnings report, especially given its strong EPS performance in recent quarters. However, the lack of revenue guidance adds an element of uncertainty.

Bull Case

If BILL continues its trend of beating EPS estimates, it could signal strong operational efficiency and customer demand, potentially leading to a positive stock reaction.

Bear Case

Conversely, if the company fails to provide clear revenue guidance or shows signs of slowing growth, it could lead to a negative reaction from investors.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.68

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

Revenue Growth

N/A

Revenue growth will provide insight into the company's ability to attract new customers and expand its market share.

Customer Retention Rate

N/A

This metric is vital for understanding how well BILL retains its existing customers, which is crucial for long-term growth.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected EPS for Q4-2026?

This will be crucial to gauge whether BILL can maintain its impressive earnings performance and meet or exceed market expectations.

What is the company's revenue outlook for the upcoming quarters?

Understanding revenue growth will help investors assess the company's ability to sustain its operations and invest in future growth.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating BILL's potential for revenue growth despite the lack of guidance, as recent operational efficiencies could lead to better-than-expected results.

Supporting Evidence

BILL has consistently beaten EPS estimates, indicating strong management performance.

The options market is pricing a significant move, suggesting that traders expect volatility that could favor a positive outcome.

Key Risk

If the company provides strong revenue growth figures, it could shift the narrative significantly.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

Investors are weighing the company's ability to continue its strong earnings performance against the backdrop of potential revenue challenges.

Bull Confirmed If

Achieving an EPS of $0.70 or higher would confirm strong operational performance.

Bear Confirmed If

An EPS below $0.60 would raise concerns about profitability and growth potential.

Pre-Earnings Positioning

Options Market

Implied Move

±26.24%

Historical Avg

±2.4%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect 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 and raises guidance, history suggests a positive stock reaction, potentially around a 2.4% increase on the first day.

In-Line / Cautious

If results are in line but management is cautious, the stock may see muted movement as investors digest the commentary.

Miss

If BILL misses expectations, history suggests a potential decline, with an average drop of around 4.62% following misses.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies.
2Details on new product launches and their expected impact.
3Insights into operational efficiencies and cost management.
4Management's outlook on market conditions and competition.
5Any commentary on long-term growth strategies.

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Company Snapshot

BILL Holdings, Inc. operates in the Information Technology sector, specifically in application software....

Key Metrics to Watch

Earnings Per Share (EPS)

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

$0.68

Revenue Growth

Revenue growth will provide insight into the company's ability to attract new customers and expand its market share.

N/A

1 more metrics, 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 the last quarter, BILL reported an impressive EPS of $0.68, significantly beating expectations. However, revenue figures were not disclosed, leaving some uncertainty about overall performance.

Management Promises & Guidance

Focus on enhancing customer experience.
Commitment to expanding product offerings.
Plans to invest in technology upgrades.

Expectations

Wall Street Expectations

Bull Case

If BILL continues its trend of beating EPS estimates, it could signal strong operational efficiency and customer demand, potentially leading to a positive stock reaction.

Bear Case

Conversely, if the company fails to provide clear revenue guidance or shows signs of slowing growth, it could lead to a negative reaction from investors.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.68

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

Revenue Growth

N/A

Revenue growth will provide insight into the company's ability to attract new customers and expand its market share.

Customer Retention Rate

N/A

This metric is vital for understanding how well BILL retains its existing customers, which is crucial for long-term growth.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected EPS for Q4-2026?

This will be crucial to gauge whether BILL can maintain its impressive earnings performance and meet or exceed market expectations.

What is the company's revenue outlook for the upcoming quarters?

Understanding revenue growth will help investors assess the company's ability to sustain its operations and invest in future growth.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating BILL's potential for revenue growth despite the lack of guidance, as recent operational efficiencies could lead to better-than-expected results.

Supporting Evidence

BILL has consistently beaten EPS estimates, indicating strong management performance.

The options market is pricing a significant move, suggesting that traders expect volatility that could favor a positive outcome.

Key Risk

If the company provides strong revenue growth figures, it could shift the narrative significantly.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

Investors are weighing the company's ability to continue its strong earnings performance against the backdrop of potential revenue challenges.

Bull Confirmed If

Achieving an EPS of $0.70 or higher would confirm strong operational performance.

Bear Confirmed If

An EPS below $0.60 would raise concerns about profitability and growth potential.

Pre-Earnings Positioning

Options Market

Implied Move

±26.24%

Historical Avg

±2.4%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect 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 and raises guidance, history suggests a positive stock reaction, potentially around a 2.4% increase on the first day.

In-Line / Cautious

If results are in line but management is cautious, the stock may see muted movement as investors digest the commentary.

Miss

If BILL misses expectations, history suggests a potential decline, with an average drop of around 4.62% following misses.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies.
2Details on new product launches and their expected impact.
3Insights into operational efficiencies and cost management.
4Management's outlook on market conditions and competition.
5Any commentary on long-term growth strategies.