BILL Stock Analysis: Buy, Sell, or Hold?
BILL - BILL Holdings, Inc.
$42.86
1.50 (3.63%)
▲
5d:
+6.54%
30d:
+32.32%
90d:
+23.48%
HOLD
MODERATE Confidence
Analysis Updated: Jul 13, 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 - EXTENDED: BILL is 9.1% above its trading range ($39.29). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: BILL is 9.1% above its trading range ($39.29). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
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
33.1% 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 $42.86, which is considered extended relative to its 30-day fair value range of $32.53 to $39.29. From a valuation perspective, the stock is trading at a discount (Forward PE: 12.8) compared to its historical average (15.8). Remarkably, the market is currently pricing in an annual earnings decline of 6.9% 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 $43.00. 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 3.6% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $53.64 (+25.1%). 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 $43.00. 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 3.6% recently.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $53.64 (+25.1%). 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
$32.53 -
$39.29
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
51.0%
Protect Your Profits
BILL is technically overbought (RSI 70). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range (+9.1% above its trading range)
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.6%)
- BULLISH: Trading 25.1% below Wall St target ($53.64)
Trading Range Analysis
30-Day Trading Range
$32.53 -
$39.29
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$35.17
Resistance Level
$43.00
Current Trend
Downtrend
Technical data as of
Jul 13, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.78
Wall Street Target
$53.64
(+25.1%)
Revenue Growth (YoY)
13.5%
Valuation Discount vs History
-6.9% cheaper
PE vs Historical
12.8 vs 15.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.9%
(market-implied from PE analysis)
1-Year Target
$39.90
(-7%)
2-Year Target
$37.15
(-13%)
3-Year Target
$34.59
(-19%)
3-Yr Target (if PE normalizes)
(PE: 13→16)
$42.77
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 27.0%)
$149.53
(+249%)
Base:
(SPY PE: 12.8, Growth: 27.0%)
$87.71
(+105%)
Bear:
(PE: 10.9, Growth: 27.0%)
$74.55
(+74%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 12.8 to 15.8
Stabilization Target:
$53.01
(+23.7%)
PE Expansion Potential:
+23.7%
Share & Embed Analysis
Last updated: July 14, 2026 7:52 AM ET
Data refreshes hourly during market hours. Next update: 8:52 AM
Data refreshes hourly during market hours. Next update: 8:52 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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Professional options setups generated by AI based on today's BILL price and gamma walls.
