BILL Stock Analysis: Buy, Sell, or Hold?
BILL - BILL Holdings, Inc.
$41.36
0.84 (2.07%)
▲
5d:
+2.17%
30d:
+21.33%
90d:
+14.32%
HOLD
MODERATE Confidence
Analysis Updated: Jul 10, 2026 12:00 AM ET
Earnings: Aug 26, 2026
Smart Money Distribution
None View Scanner →
Strength: 8.1/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: BILL shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: BILL shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$103.22
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$64.09
35.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 15.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BILL is currently trading at $41.36, which is considered extended relative to its 30-day fair value range of $32.76 to $38.95. From a valuation perspective, the stock is trading at a discount (Forward PE: 12.3) compared to its historical average (15.8). Remarkably, the market is currently pricing in an annual earnings decline of 8.0% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, BILL is in a downtrend. The price is approaching resistance at $41.81. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BILL has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $53.64 (+29.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, BILL is in a downtrend. The price is approaching resistance at $41.81. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BILL has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $53.64 (+29.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$32.76 -
$38.95
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding BILL? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range (+6.2% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 29.7% below Wall St target ($53.64)
Trading Range Analysis
30-Day Trading Range
$32.76 -
$38.95
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$33.56
Resistance Level
$41.81
Current Trend
Downtrend
Technical data as of
Jul 10, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.33
Wall Street Target
$53.64
(+29.7%)
Revenue Growth (YoY)
13.5%
Valuation Discount vs History
-8.0% cheaper
PE vs Historical
12.3 vs 15.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.0%
(market-implied from PE analysis)
1-Year Target
$38.05
(-8%)
2-Year Target
$35.01
(-15%)
3-Year Target
$32.21
(-22%)
3-Yr Target (if PE normalizes)
(PE: 12→16)
$41.28
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 27.0%)
$149.53
(+262%)
Base:
(SPY PE: 12.3, Growth: 27.0%)
$84.64
(+105%)
Bear:
(PE: 10.5, Growth: 27.0%)
$71.94
(+74%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 12.3 to 15.8
Stabilization Target:
$53.01
(+28.2%)
PE Expansion Potential:
+28.2%
Share & Embed Analysis
Last updated: July 11, 2026 3:48 AM ET
Data refreshes hourly during market hours. Next update: 4:48 AM
Data refreshes hourly during market hours. Next update: 4:48 AM
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Technical Signals Check
Is BILL showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced BILL Option Strategies
Professional options setups generated by AI based on today's BILL price and gamma walls.
