BILL Stock Analysis: Buy, Sell, or Hold?
BILL - BILL Holdings, Inc.
$41.83
4.17 (11.07%)
▲
5d:
+7.06%
30d:
+15.62%
90d:
-14.53%
BUY
MODERATE Confidence
Analysis Updated: May 8, 2026 12:00 AM ET
Earnings: May 07, 2026
0d
Smart Money Distribution
BILL is up 3.9% this week, but smart money is buying puts. Top strike: $32.5 2026-06-18 with 4,067 OI. Put ratio: 91% View Scanner →
Strength: 6.1/10
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2 traders called BILL this week
50% bullish • 1 bearish
50% bullish • 1 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: BILL shows positive signals but monitor for confirmation. Market pricing in 4.4% decline. Moderate conviction.
💡 BUY OPPORTUNITY: BILL shows positive signals but monitor for confirmation. Market pricing in 4.4% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$72.86
Based on 8.8% avg growth
INTRINSIC VALUE TODAY
$45.24
7.5% 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 17.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BILL is currently trading at $41.83, which is considered extended relative to its 30-day fair value range of $36.78 to $39.49. From a valuation perspective, the stock is trading at a discount (Forward PE: 15.4) compared to its historical average (17.7). Remarkably, the market is currently pricing in an annual earnings decline of 4.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, BILL is in a strong downtrend. Immediate support is located at $36.05, while resistance sits at $43.30. The stock is showing strong short-term momentum, up 11.1% recently.
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 $53.86 (+28.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, BILL is in a strong downtrend. Immediate support is located at $36.05, while resistance sits at $43.30. The stock is showing strong short-term momentum, up 11.1% recently.
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 $53.86 (+28.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$36.78 -
$39.49
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.9%
All Signals
- BEARISH: Price extended above range (+5.9% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+11.1%)
- BULLISH: Trading 28.8% below Wall St target ($53.86)
Trading Range Analysis
30-Day Trading Range
$36.78 -
$39.49
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$36.05
Resistance Level
$43.30
Current Trend
Strong Downtrend
Technical data as of
May 8, 2026
Fundamental Context
Forward P/E (Next Year Est.)
15.42
Wall Street Target
$53.86
(+28.8%)
Revenue Growth (YoY)
14.4%
Profit Margin
-1.6%
Valuation Discount vs History
-4.4% cheaper
PE vs Historical
15.4 vs 17.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.4%
(market-implied from PE analysis)
1-Year Target
$39.99
(-4%)
2-Year Target
$38.23
(-9%)
3-Year Target
$36.55
(-13%)
3-Yr Target (if PE normalizes)
(PE: 15→18)
$41.95
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 13.5%)
$86.97
(+108%)
Base:
(SPY PE: 15.4, Growth: 13.5%)
$61.13
(+46%)
Bear:
(PE: 13.1, Growth: 13.5%)
$51.96
(+24%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 15.4 to 17.7
Stabilization Target:
$48.02
(+14.8%)
PE Expansion Potential:
+14.8%
Share & Embed Analysis
Last updated: May 08, 2026 5:55 PM ET
Data refreshes hourly during market hours. Next update: 6:55 PM
Data refreshes hourly during market hours. Next update: 6:55 PM
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Technical Signals Check
Is BILL showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Germaine Cota
SELL
1104 shares
2025-12-02
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Advanced BILL Option Strategies
Professional options setups generated by AI based on today's BILL price and gamma walls.
