BILL Stock Analysis: Buy, Sell, or Hold?
BILL - BILL Holdings, Inc.
$40.48
1.70 (4.38%)
▲
5d:
+21.27%
30d:
+5.22%
90d:
+5.31%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Aug 26, 2026
Smart Money Distribution
None View Scanner →
Strength: 8.7/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD - EXTENDED: BILL is 8.7% above its trading range ($37.25). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: BILL is 8.7% above its trading range ($37.25). 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
$104.14
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$64.66
37.4% 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 16.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BILL is currently trading at $40.48, which is considered extended relative to its 30-day fair value range of $32.63 to $37.25. From a valuation perspective, the stock is trading at a discount (Forward PE: 12.1) compared to its historical average (16.0). Remarkably, the market is currently pricing in an annual earnings decline of 8.8% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, BILL is in a strong downtrend. The price is approaching resistance at $40.83. 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 4.4% 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 $53.77 (+32.8%). 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 strong downtrend. The price is approaching resistance at $40.83. 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 4.4% 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 $53.77 (+32.8%). 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
$32.63 -
$37.25
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.9%
Protect Your Profits
Holding BILL? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range (+8.7% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.4%)
- BULLISH: Trading 32.8% below Wall St target ($53.77)
- CAUTION: Extended 8.7% above its trading range - wait for pullback
Trading Range Analysis
30-Day Trading Range
$32.63 -
$37.25
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$31.41
Resistance Level
$40.83
Current Trend
Strong Downtrend
Technical data as of
Jul 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.11
Wall Street Target
$53.77
(+32.8%)
Revenue Growth (YoY)
13.5%
Valuation Discount vs History
-8.8% cheaper
PE vs Historical
12.1 vs 16.0
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.8%
(market-implied from PE analysis)
1-Year Target
$36.92
(-9%)
2-Year Target
$33.67
(-17%)
3-Year Target
$30.71
(-24%)
3-Yr Target (if PE normalizes)
(PE: 12→16)
$40.57
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 26.5%)
$147.21
(+264%)
Base:
(SPY PE: 12.1, Growth: 26.5%)
$81.86
(+102%)
Bear:
(PE: 10.3, Growth: 26.5%)
$69.58
(+72%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 12.1 to 16.0
Stabilization Target:
$53.48
(+32.1%)
PE Expansion Potential:
+32.1%
Share & Embed Analysis
Last updated: July 03, 2026 6:08 PM ET
Data refreshes hourly during market hours. Next update: 7:08 PM
Data refreshes hourly during market hours. Next update: 7:08 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.
