NASDAQ · STOCK
Bill Holdings
$45.14
52W $31.41 – $57.21
55/100
$4.49B
—
1.18
Is BILL Bullish or Bearish?
Mixed.
Innellis AI committee rates Bill Holdings (BILL) Watch with a composite score of 55/100
, based on 7 analysts with 43% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +4.62 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -15.38 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — 4 consecutive earnings beats -- consistent execution. Risk Analyst remains cautious — bollinger bandwidth of 21.3% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.2x is a discount to asset value — Value
- 4 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- P/E of 27407.3 is expensive by classic value standards — Value
- ROE of only 0.0% -- cheap may mean cheap for a reason — Value
- Bollinger bandwidth of 21.3% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 01, 2026
Overall Committee Score
55/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 50%
of 172 Technology peers
Value Analyst
neutral
50
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 1.2x is a discount to asset value
− P/E of 27407.3 is expensive by classic value standards
Growth Analyst
bullish
72
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ 4 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 21.3% signals elevated volatility
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
54
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2535.03)
Investment Thesis Evolution
Committee score moved marginally from 53.6 to 55.4.
- Committee agreement fell notably from 57% to 43%.
- New bearish signals: 4 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
57.4
Neutral
MACD Histogram
0.055
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$43.27
Resistance
$48.67
Bollinger %B
0.70
Inside Bands
Price vs Moving Averages
EMA 9
$44.80
Above
EMA 21
$42.86
Above
EMA 50
$40.45
Above
EMA 200
$42.88
Above
Fundamental Analysis
Valuation
67
Growth
82
Profitability
0
Financial Health
86
Cash Flow
37
Valuation
P/E Ratio
—
P/B Ratio
1.19×
PEG Ratio
20.14
Dividend Yield
0.00%
52W High
$57.21
52W Low
$31.41
Quality & Growth
ROE
0.6%
ROA
0.2%
Gross Margin
80.7%
Operating Margin
-3.5%
Revenue Growth YoY
—
Debt / Equity
0.50
AI Fundamental Assessment
P/E ratio of -13675.8 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 20.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.0%; Return on assets of 0.0%; Net margin of 0.0%; Gross margin of 0.8%; Current ratio of 1.66 (healthy short-term liquidity); Debt-to-equity of 0.50; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (3.81); Most recent quarter beat estimates by 19.8%; 4 consecutive earnings beats; EPS growth roughly steady (+4.9% -> +6.3% QoQ); Analyst estimates rising over recent quarters
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