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Stock rating · Services-Prepackaged Software
BILL Holdings, Inc. (BILL) Stock Rating & Analysis
As of October 6, 2026, MELANY rates BILL Holdings, Inc. 68 out of 100 (Favorable). Its highest factor score is earnings track record at 92, and its lowest is macro fit at 50.
MELANY ratingRated 2026-10-06BILL · composite score
About BILL Holdings, Inc.
BILL Holdings is a provider of software-as-a-service, cloud-based payments and spend and expense management products. Its tools let users automate accounts payable and accounts receivable transactions, connect with suppliers and customers, eliminate expense reports, manage cash flow, and improve back-office efficiency.
Rating as of 2026-10-06 · this is a dated snapshot; the live rating is in the app (Pro, free for 30 days). The price above updates in real time.
Why BILL scores 68/100
BILL's 8 factor scores run from 50 to 92, and 3 of them sit above its composite of 68. Here is how BILL breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- PEG ratio 0.43 (< 1 = undervalued)
- FCF yield 6.0%
Margins, returns on capital, and balance-sheet strength.
- Gross margin 82%
Direction and relative strength of the recent share-price trend.
- 50-day MA above 200-day (golden cross zone)
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 4 of last 4 quarters
- Avg EPS beat +17%
- Earnings in 30 days (strong beat history)
What Wall Street price targets and revisions are signalling.
- Analyst targets 30% upside
- Institutional net buying +6.9%
Near-term events that could move the stock.
- Earnings in 30 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
How BILL compares
Some other companies with a MELANY rating page in its SEC industry group (Services-Prepackaged Software).
Key risks for BILL
- Short interest 18% of float, high volatility risk on news
- Performance partly driven by AI software / cloud, rotation away from this theme would hurt
- No positive trailing earnings, valuation cannot be anchored to current P/E
Sector and theme context
BILL Holdings, Inc. sits in the AI software / cloud theme, which MELANY currently rates 86/100 for strength. Theme strength feeds BILL's momentum and catalyst factors above.
BILL trade plan (Pro)
MELANY has a full position plan for BILL Holdings, Inc.: a smart entry zone, an alert level, position sizing, and quarterly review triggers. It is part of Market Eyes Pro, and the first 30 days are free.
How MELANY rates BILL
MELANY is a rules-based engine that scores every stock from 0 to 100 across eight weighted factors, then re-scores as new price, earnings, and fundamental data arrive. BILL Holdings, Inc.'s 68/100 reflects speculative factor weighting for its profile. Position framework managed by score-based check-ins, not a fixed holding period.
Ratings are algorithmic and change with the data. They are research and education, not personalized investment advice.
Frequently asked questions about BILL
Is BILL Holdings, Inc. (BILL) a buy?
As of 2026-10-06, MELANY rated BILL Holdings, Inc. Favorable with a composite score of 68/100. That is a dated snapshot, not the live rating, and it is an algorithmic reading built from eight factors rather than personalized investment advice. Review the factor breakdown above and the disclaimer below before making any decision.
What is BILL Holdings, Inc.'s MELANY score?
BILL Holdings, Inc. (BILL) has a MELANY composite score of 68/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, macro fit.
How is the BILL stock rating calculated?
MELANY scores BILL from 0 to 100 across eight weighted factors using live market and fundamental data, then refreshes the rating automatically as new data arrives.
Should I buy BILL Holdings, Inc. stock?
That decision is yours; Market Eyes Live does not give buy or sell advice. What the data says: MELANY rates BILL Holdings, Inc. (BILL) Favorable with a composite of 68/100 as of 2026-10-06. The factor breakdown above shows what is driving that, which is a better basis for a decision than any one-word verdict.
What is the BILL stock price forecast?
MELANY does not publish price targets or forecasts for BILL. Predicting a future price is exactly the kind of false precision the confidence framework avoids. Instead it scores today's setup, 68/100 across eight factors for BILL Holdings, Inc., and re-scores automatically as new price, earnings, and fundamental data arrive.
Is BILL stock overvalued or undervalued?
MELANY's valuation factor currently reads 72/100 for BILL Holdings, Inc., where a higher score means the price looks more attractive on that measure. Scores in the 70s and above read as attractively priced, the mid range as roughly fair, and low scores as stretched. The factor breakdown above shows what drives BILL's read.
What price should I buy BILL at?
Rather than chasing the current price, MELANY computes a smart entry zone for BILL: the price area where risk and reward actually favor a new position, plus an alert level and position sizing. The exact levels are part of Market Eyes Pro, which starts with a 30-day free trial.
What are the risks of buying BILL stock?
The top risks MELANY currently flags for BILL Holdings, Inc.: Short interest 18% of float, high volatility risk on news; Performance partly driven by AI software / cloud, rotation away from this theme would hurt; No positive trailing earnings, valuation cannot be anchored to current P/E. The rating on this page already weighs these against the bullish factors; see the risk-adjusted profile score in the breakdown above.
Is BILL Holdings, Inc. a good long-term investment?
For long-term durability the two factors that matter most are business quality, which MELANY scores 55/100 for BILL Holdings, Inc., and earnings track record, at 92/100. The 68/100 composite blends those with six shorter-horizon factors. Durable quality at a fair price is the long-term case to test; this is research, not personalized investment advice.
Will BILL stock go up?
Nobody can promise a stock's direction, and Market Eyes Live does not predict prices. The measurable part: MELANY's price momentum factor reads 59/100 for BILL right now, and the catalyst setup factor tracks whether near-term events could move it. Both re-score automatically as the data changes.
How current is this BILL rating?
The rating on this page is a snapshot of MELANY's read as of 2026-10-06. The price shown updates live, but the score is not recomputed on this page. MELANY re-scores BILL continuously as new price, earnings, and fundamental data arrive, and the current rating is in the app (Pro, free for 30 days).
How this rating works
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Every rating graded in public, BILL included
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