What Is BILL Holdings, Inc. (BILL) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, BILL Holdings, Inc.'s intrinsic value is estimated at $19.99, suggesting the stock is overvalued at its current price of $41.37. With 10 out of 12 models flagging downside (-51.7% average return), the market may be pricing in unsustainable growth. The most optimistic model, PWERM, places fair value at $42.67 (+3.1%), while Regime Cross — the most conservative — estimates $1.85 (-95.5%). This +98.7% gap reflects genuine analytical uncertainty about BILL Holdings, Inc.'s intrinsic worth.
What Do the Models Say About BILL?
12 of 13 models are currently active for BILL. Of these, 2 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates BILL's intrinsic value at $14.82, implying -64.2% downside from the current price. See which stocks rank higher →
How Does BILL Rank in Services-Prepackaged Software?
Among 216 Services-Prepackaged Software stocks, BILL ranks #82 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.
See all Most Undervalued Services-Prepackaged Software Stocks →
As a technology sector, BILL Holdings, Inc. operates in a sector where rule of 40 score is a critical driver of valuation. Investors evaluating BILL should weigh these sector-specific dynamics alongside our model-derived fair values.
Is BILL a Value Trap?
CirclFi's Value Trap algorithm assigns BILL a score of 25/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for BILL Holdings, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, BILL Holdings, Inc.'s fundamental quality profile registers 7.7/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +98.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every BILL valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across BILL's 12 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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