BILL Stock Analysis: Buy, Sell, or Hold?
BILL - BILL Holdings, Inc.
$47.22
2.09 (4.63%)
▲
5d:
+5.17%
30d:
+16.65%
90d:
+20.86%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 19, 2026
15d
Smart Money Accumulation
None View Scanner →
Strength: 5.7/10
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: BILL shows positive signals but monitor for confirmation. Market pricing in 5.0% decline. Moderate conviction.
💡 BUY OPPORTUNITY: BILL shows positive signals but monitor for confirmation. Market pricing in 5.0% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$102.62
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$63.72
25.9% 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 15.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BILL is currently trading at $47.22, which is considered extended relative to its 30-day fair value range of $38.31 to $45.62. From a valuation perspective, the stock is trading at a discount (Forward PE: 13.4) compared to its historical average (15.6). Remarkably, the market is currently pricing in an annual earnings decline of 5.0% 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 $48.18. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 4.6% recently.
Market Sentiment: BILL has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $54.57 (+20.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, BILL is in a downtrend. The price is approaching resistance at $48.18. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 4.6% recently.
Market Sentiment: BILL has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $54.57 (+20.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$38.31 -
$45.62
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
66.7%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.6%)
- BULLISH: Trading 20.9% below Wall St target ($54.57)
Trading Range Analysis
30-Day Trading Range
$38.31 -
$45.62
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$40.88
Resistance Level
$48.18
Current Trend
Downtrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.36
Wall Street Target
$54.57
(+20.9%)
Revenue Growth (YoY)
13.5%
Valuation Discount vs History
-5.0% cheaper
PE vs Historical
13.4 vs 15.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.0%
(market-implied from PE analysis)
1-Year Target
$42.87
(-5%)
2-Year Target
$40.73
(-10%)
3-Year Target
$38.69
(-14%)
3-Yr Target (if PE normalizes)
(PE: 13→16)
$45.18
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 27.9%)
$146.46
(+225%)
Base:
(SPY PE: 13.4, Growth: 27.9%)
$94.40
(+109%)
Bear:
(PE: 11.4, Growth: 27.9%)
$80.24
(+78%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.4 to 15.6
Stabilization Target:
$52.70
(+16.8%)
PE Expansion Potential:
+16.8%
Share & Embed Analysis
Last updated: August 03, 2026 4:08 PM ET
Data refreshes hourly during market hours. Next update: 5:08 PM
Data refreshes hourly during market hours. Next update: 5:08 PM
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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.
