BILL Holdings, Inc. (BILL) Fair Value 2026

BILL · Software - Application ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 6 models active

Value Trap Risk

LOW (25/100)

Quick Summary — As of 2026-08-28, BILL Holdings, Inc. (BILL) trades at $50.31, versus a $85.62 median fair value across its 6 active models — 70.2% above the current price. QOC: 7.2/10. Value Trap Risk: 25/100 (LOW). 6/13 models active. Within that set, the Bayesian DCF component alone returns $98.52.

Key Facts

Ticker
BILL
Price
$50.31
Quality Score
7.2/10
Value Trap Risk
25/100
Models Active
6/13
Last Updated
Strength: Bayesian DCF suggests +95.8% upside with 69% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is BILL Holdings, Inc. (BILL) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, BILL Holdings, Inc. (BILL) appears undervalued as of : the median of 6 independent fair value estimates is $85.62, 70.2% above the current price of $50.31. Estimates range from $40.58 to $131.46. BILL scores 7.2/10 on fundamental quality and 25/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. BILL’s +70.2% gap is wider than that market norm, and the Software - Application sector median is -25.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy BILL Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give BILL?

6 Intrinsic Value Models vs. Current Price ($50.31)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $98.52 +95.8%
Ensemble · Medium Conviction
 $85.65 +70.2%
Intrinsic · High Conviction
 $40.58 -19.3%
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What Is BILL's Fair Value Range?

Spread across 6 independent models · $40.58 to $131.46

CirclFi's 6 active models place BILL Holdings, Inc. (BILL) between $40.58 and $131.46 per share, a spread of 106% of the median. The median of that range — $85.62 — is the fair value CirclFi publishes for BILL, against a current price of $50.31.

Low · RCMH-DCFHigh · Regime Cross
$40.58median $85.62$131.46
Where the range comes from
Most bearish modelRCMH-DCF$40.58
Most bullish modelRegime Cross-Sectional$131.46
Model agreement5 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for BILL. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on BILL, not a CirclFi price target. How each model works →

What Is BILL Holdings, Inc. (BILL) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for BILL Holdings, Inc.. Trading at $50.31 against an estimated intrinsic value of $85.62, 5 of 6 active models flag meaningful upside of +70.2% at the median. The most optimistic model, Regime Cross, places fair value at $131.46 (+161.3%), while RCMH-DCF — the most conservative — estimates $40.58 (-19.3%). This +180.6% gap reflects genuine analytical uncertainty about BILL Holdings, Inc.'s intrinsic worth.

What Do the Models Say About BILL?

6 of 13 models are currently active for BILL. Of these, 5 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for BILL is $85.62 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $98.52 on its own, implying +95.8% upside from the current price. See which stocks rank higher →

How Does BILL Rank in Software - Application?

Among 263 Software - Application stocks, BILL ranks #108 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

See all Most Undervalued Software - Application 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

6 of 13 models are active for BILL Holdings, Inc.. Moderate coverage provides meaningful perspective. 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 7.2/10. This respectable 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 +180.6% — 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 6 active models, average confidence is 40%. 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy BILL Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Application Stocks Should You Also Analyze?

11 related Software - Application stocks with 13-model coverage

TEAMAtlassian CorporationQOC 7.2PCORProcore Technologies, Inc.QOC 7.2AMPLAmplitude, Inc.QOC 7.2ASANAsana, Inc.QOC 7.2SNOWSnowflake Inc.QOC 7.3RSKDRiskified Ltd.QOC 7.1CYNCyngn Inc.QOC 5.8FYNNFyntechnical Innovations Inc.QOC 3.6HUBSHubSpot, Inc.QOC 8.7ADSKAutodesk, Inc.QOC 9.9PTCPTC Inc.QOC 9.8

Read investment analysis: TEAM · PCOR · AMPL · ASAN · SNOW · RSKD · CYN · FYNN · HUBS · ADSK · PTC

Which Other Stocks Have a Similar Quality Score to BILL?

7 companies across all industries closest to BILL’s Quality of Company score of 7.2/10.

SLABSilicon Laboratories Inc.QOC 7.2JYNTThe Joint Corp.QOC 7.2PSHGPerformance Shipping Inc.QOC 7.2GBFHGBank Financial Holdings Inc.QOC 7.2KRNYKearny Financial Corp.QOC 7.2CPSHCPS Technologies CorporationQOC 7.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SLAB · JYNT · PSHG · GBFH · KRNY · CPSH · NVDA

Where Does BILL Sit in CirclFi's Software - Application Rankings?

BILL is ranked against every other Software - Application stock CirclFi covers in each of these screens.

See all Software - Application stocks ranked →

What Else Do Investors Ask About BILL Holdings, Inc.’s Valuation?

What is BILL Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts BILL Holdings, Inc. (BILL)'s intrinsic value at $85.62 — the median of 6 independent model estimates as of 2026-08-28, ranging from $40.58 to $131.46. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $98.52 on its own. The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BILL overvalued or undervalued right now?

At $50.31, 5 of 6 active models suggest BILL may be undervalued, while 1 indicate potential overvaluation. The median of all 6 fair value estimates is $85.62, 70.2% above the current price of $50.31 — a consensus view that BILL is undervalued. The assessment depends on which methodology best fits BILL Holdings, Inc.'s business model in Software - Application.

What does a Quality of Company score of 7.2 mean for BILL?

BILL Holdings, Inc.'s QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BILL?

CirclFi analyzes BILL with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BILL?

Of the 6 models currently active on BILL, Regime Cross-Sectional is the most bullish at $131.46 per share, and RCMH-DCF is the most bearish at $40.58. CirclFi's published fair value for BILL is the median of that range, $85.62, not either extreme. The gap between the two ends equals 106% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is BILL a value trap in 2026?

BILL Holdings, Inc.'s Value Trap score is 25/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, BILL Holdings, Inc. (BILL) has a median fair value of $85.62 — 70.2% above the current price of $50.31 — as of 2026-08-28.” Source: circlfi.com/stock/BILL/ · Methodology
Primary sources for this BILL valuation
  • Financial statements: BILL Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001786352) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BILL as of ; valuations recomputed .

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