BILL Holdings, Inc. — Cyborg Score 6/10

Solid
Financial Software/SaaS - SMB Financial Automation & Fintech

Strategic Profile

The cloud software provider streamlines financial workflows for small and midsize businesses through a subscription-based SaaS platform. In Q2 2026, the company delivered $414.7 million in revenue (up 14% YoY) with core revenue climbing 17%, while transaction fees grew 20% with total payment volume reaching $95 billion.

Cyborg Score Rationale

Strong revenue growth of 14% YoY with core revenue accelerating 17% and transaction fees up 20% demonstrate platform durability. However, shares are down 24% over the past year, underperforming the S&P 500 by 37 percentage points. Recent activist pressure and acquisition rumors create near-term uncertainty.

Top Insights

  • Core revenue grew 17% YoY to $375.1 million in Q2 2026, driven by 20% transaction fee growth to $303.1 million
  • Activist investor Barington Companies Management increased its stake to 13.96% of AUM in Q4 2025, adding 325,000 shares
  • AI-enabled financial software platform provides connections between suppliers and clients
  • Company repurchased $133 million of stock in Q2 2026, shrinking share count despite GAAP earnings swinging to a small loss

Named Competitors

  • Ramp — Corporate spend management and payments for SMBs
  • Clear — Expense management and compliance software
  • Melio — Business payments and payables platform
  • Certify — Expense and travel management solutions

Recent Developments

  • (February 2026) Barington Companies increased stake to 13.96% of assets, signaling conviction in turnaround potential
  • (February 2026) Hellman & Friedman reportedly in talks to acquire Bill Holdings, exploring strategic sale options
  • (February 2026) Q2 FY2026 results: Core revenue +17% YoY, transaction fees +20%, guidance of $1.63-1.65B full-year revenue
  • (November 2025) CEO highlights AI competitive advantage; activist pressure from Starboard Value mounting

Open the full interactive BILL Holdings, Inc. report

Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.

Open report →