What is the fair value of BILL stock?

Our analysis estimates the fair value range for BILL to be between $43.80 and $48.98. The current price is $47.82.

What is the analyst price target for BILL?

The average Wall Street analyst price target for BILL is $56.24. This implies a potential upside of 17.6% from current levels.

BILL Stock Analysis: Buy, Sell, or Hold?

BILL - BILL Holdings, Inc.

SERVICES-PREPACKAGED SOFTWARE

$47.82

0.42 (0.89%) ▲

5d: -3.94%

30d: +15.9%

90d: +31.19%

WAIT

LOW Confidence

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Analysis Updated: Aug 21, 2026 12:00 AM ET

Earnings: Aug 19, 2026 0d

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Aug 17, 2026 at $48.50 · last confirmed Aug 21, 2026

Strength: 9.5/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
ℹ️ NEUTRAL: BILL is fairly priced but lacks strong directional signals. At -2.9% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$101.96

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$63.31

24.5% 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 15.5x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: BILL is currently trading at $47.82, which is considered slightly high relative to its 30-day fair value range of $43.80 to $48.98. The stock's valuation (Forward PE: 14.2) is in line with its historical norms (15.5). Remarkably, the market is currently pricing in an annual earnings decline of 2.9% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, BILL is in a uptrend. The price is currently testing key support at $46.47. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: BILL scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $56.24 (+17.6%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position SLIGHTLY HIGH

Historical Trading Range $43.80 - $48.98

Company Quality Score 42/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 40.5%

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All Signals

BEARISH: Weak technical setup (37/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($56.24)
WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $43.80 - $48.98

Current vs Trading Range SLIGHTLY HIGH

Support & Resistance Levels

Support Level $46.47

Resistance Level $52.60

Current Trend Uptrend

Technical data as of Aug 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 14.16

Wall Street Target $56.24 (+17.6%)

Revenue Growth (YoY) 13.5%

Valuation Discount vs History -2.9% cheaper

PE vs Historical 14.2 vs 15.5 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -2.9% (market-implied from PE analysis)

1-Year Target $46.43 (-3%)

2-Year Target $45.09 (-6%)

3-Year Target $43.78 (-9%)

3-Yr Target (if PE normalizes) (PE: 14→16) $47.93 (+0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.1, Growth: 27.9%) $141.80 (+197%)

Base: (SPY PE: 14.2, Growth: 27.9%) $100.02 (+109%)

Bear: (PE: 12.0, Growth: 27.9%) $85.02 (+78%)

💡 Upside Surprise Potential

If earnings stabilize (0% growth), PE could expand from 14.2 to 15.5

Stabilization Target: $52.36 (+9.5%)

PE Expansion Potential: +9.5%

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Last updated: August 23, 2026 6:30 PM ET
Data refreshes hourly during market hours. Next update: 7:30 PM

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Advanced BILL Option Strategies

Professional options setups generated by AI based on today's BILL price and gamma walls.

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