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What's in the Cards for BILL Holdings Stock This Earnings Season?
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Key Takeaways
BILL is expected to report Q1 fiscal 2027 revenue growth and higher non-GAAP earnings per share.
AI adoption, multiproduct penetration and higher payment volumes are expected to drive revenue growth.
BILL projects $0.96 to $1 in non-GAAP EPS, supported by workforce optimization and AI-driven efficiencies.
BILL Holdings, Inc. (BILL - Free Report) is gearing up to report first-quarter fiscal 2027 results on Nov. 5, 2026, after the closing bell. The company's quarterly performance is likely to have witnessed year-over-year growth in revenues and non-GAAP net income per share.
In the last reported quarter, this financial operations software provider delivered non-GAAP net income of 84 cents per share, surpassing expectations. The profitability upside reflected earlier workforce reduction timing and lower fraud and credit losses.
Over the preceding four quarters, BILL Holdings’ non-GAAP net income per share outpaced the Zacks Consensus Estimate on all occasions, with an average beat of 19.82%. This is depicted in the graph below:
BILL Holdings' first-quarter fiscal 2027 performance is likely to have benefited from growing adoption of its AI-powered financial solutions and increasing multiproduct penetration. In the preceding quarter, more than 175,000 businesses leveraged its AI agents, while customers using both AP/AR and Spend and Expense solutions increased 35% year over year. Continued adoption of these capabilities, alongside a focus on acquiring higher-value customers, is expected to have supported revenue growth.
Higher payment volumes are also likely to have aided performance. Management expects AP/AR total payment volume (TPV) growth to remain in line with the fiscal 2026 levels, supported by strong ACH transactions and larger mid-market customers. Spend and Expense payment volumes are projected to grow in the mid-teens year over year.
On the profitability front, workforce optimization and AI-driven efficiencies are likely to have supported operating margins. The company expects approximately $80 million in net benefits from restructuring initiatives. For the quarter, management projects total revenues of $432.5-$442.5 million and core revenues of $398-$408 million on the historical gross revenue basis. Non-GAAP operating income is expected to be between $112.5 million and $117.5 million, while non-GAAP net income per share is projected to be $0.96-$1.
The Zacks Consensus Estimate for BILL’s quarterly revenues currently stands at $438.7 million, suggesting an increase of 10.9% from the prior-year period’s reported figure.
BILL Holdings’ activities in the to-be-reported quarter were adequate to garner analysts’ confidence. The Zacks Consensus Estimate for the quarterly non-GAAP net income per share has been revised northward to 98 cents over the past month. The figure suggests a significant increase from the year-ago quarter’s tally.
Here Is What Our Quantitative Model Predicts for BILL:
Our proven model predicts a surprise in terms of non-GAAP net income per share for BILL this season. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the chances of an earnings beat, which is the case here.
BILL Holdings currently carries a Zacks Rank of 3 and has an Earnings ESP of +0.15%. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Other Stocks to Consider
Here are two other stocks from the Internet Software sector, Affirm (AFRM - Free Report) and CoreWeave Inc. (CRWV - Free Report) , which you may want to consider, as our model shows that these also have the right combination of elements to report an earnings beat this quarter.
View the Zacks #1 Rank List
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What's in the Cards for BILL Holdings Stock This Earnings Season?
Key Takeaways
BILL Holdings, Inc. (BILL - Free Report) is gearing up to report first-quarter fiscal 2027 results on Nov. 5, 2026, after the closing bell. The company's quarterly performance is likely to have witnessed year-over-year growth in revenues and non-GAAP net income per share.
In the last reported quarter, this financial operations software provider delivered non-GAAP net income of 84 cents per share, surpassing expectations. The profitability upside reflected earlier workforce reduction timing and lower fraud and credit losses.
Over the preceding four quarters, BILL Holdings’ non-GAAP net income per share outpaced the Zacks Consensus Estimate on all occasions, with an average beat of 19.82%. This is depicted in the graph below:
BILL Holdings, Inc. Price and EPS Surprise
BILL Holdings, Inc. price-eps-surprise | BILL Holdings, Inc. Quote
Factors at Play & Projections for BILL
BILL Holdings' first-quarter fiscal 2027 performance is likely to have benefited from growing adoption of its AI-powered financial solutions and increasing multiproduct penetration. In the preceding quarter, more than 175,000 businesses leveraged its AI agents, while customers using both AP/AR and Spend and Expense solutions increased 35% year over year. Continued adoption of these capabilities, alongside a focus on acquiring higher-value customers, is expected to have supported revenue growth.
Higher payment volumes are also likely to have aided performance. Management expects AP/AR total payment volume (TPV) growth to remain in line with the fiscal 2026 levels, supported by strong ACH transactions and larger mid-market customers. Spend and Expense payment volumes are projected to grow in the mid-teens year over year.
On the profitability front, workforce optimization and AI-driven efficiencies are likely to have supported operating margins. The company expects approximately $80 million in net benefits from restructuring initiatives. For the quarter, management projects total revenues of $432.5-$442.5 million and core revenues of $398-$408 million on the historical gross revenue basis. Non-GAAP operating income is expected to be between $112.5 million and $117.5 million, while non-GAAP net income per share is projected to be $0.96-$1.
The Zacks Consensus Estimate for BILL’s quarterly revenues currently stands at $438.7 million, suggesting an increase of 10.9% from the prior-year period’s reported figure.
BILL Holdings’ activities in the to-be-reported quarter were adequate to garner analysts’ confidence. The Zacks Consensus Estimate for the quarterly non-GAAP net income per share has been revised northward to 98 cents over the past month. The figure suggests a significant increase from the year-ago quarter’s tally.
Here Is What Our Quantitative Model Predicts for BILL:
Our proven model predicts a surprise in terms of non-GAAP net income per share for BILL this season. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the chances of an earnings beat, which is the case here.
BILL Holdings currently carries a Zacks Rank of 3 and has an Earnings ESP of +0.15%. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Other Stocks to Consider
Here are two other stocks from the Internet Software sector, Affirm (AFRM - Free Report) and CoreWeave Inc. (CRWV - Free Report) , which you may want to consider, as our model shows that these also have the right combination of elements to report an earnings beat this quarter.
Affirm is slated to report quarterly numbers on Nov. 5. AFRM has an Earnings ESP of +14.49% and a Zacks Rank of 3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
CoreWeave is slated to report quarterly numbers on Nov. 10. CRWV has an Earnings ESP of +17.25% and carries a Zacks Rank of 3 at present.