BILL Holdings, Inc.

LSE:0A75 Stock Report

Market Cap: US$5.0b

BILL Holdings Valuation

Is 0A75 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0A75 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

US$96.72
Fair Value
47.6% undervalued intrinsic discount
21
Number of Analysts

Below Fair Value: 0A75 ($50.71) is trading below our estimate of fair value ($96.72)

Significantly Below Fair Value: 0A75 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0A75?

Key metric: As 0A75 is barely profitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for 0A75. This is calculated by dividing 0A75's market cap by their current revenue.
What is 0A75's PS Ratio?
PS Ratio3.4x
SalesUS$1.50b
Market CapUS$5.04b

Price to Sales Ratio vs Peers

How does 0A75's PS Ratio compare to its peers?

The above table shows the PS ratio for 0A75 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average3.9x
SGE Sage Group
4.3x7.78%UK£10.3b
BYIT Bytes Technology Group
3.8x7.62%UK£844.4m
ALFA Alfa Financial Software Holdings
5.5x7.75%UK£664.7m
GBG GB Group
2x3.63%UK£567.1m
0A75 BILL Holdings
3.4x11.99%US$5.0b

Price-To-Sales vs Peers: 0A75 is good value based on its Price-To-Sales Ratio (3.4x) compared to the peer average (3.9x).

Price to Sales Ratio vs Industry

How does 0A75's PS Ratio compare vs other companies in the GB Software Industry?

12 CompaniesPrice / SalesEstimated GrowthMarket Cap
ESYS essensys
0.4x-18.89%US$13.22m
ZOO ZOO Digital Group
0.3xn/aUS$12.62m
S247 Smarttech247 Group
0.4x4.50%US$6.46m
PEG Petards Group
0.3xn/aUS$6.00m
0A75 3.4xIndustry Avg. 3.4xNo. of Companies13PS0246810+
12 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: 0A75 is good value based on its Price-To-Sales Ratio (3.4x) compared to the UK Software industry average (3.4x).

Price to Sales Ratio vs Fair Ratio

What is 0A75's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0A75 PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio3.4x
Fair PS Ratio9x

Price-To-Sales vs Fair Ratio: 0A75 is good value based on its Price-To-Sales Ratio (3.4x) compared to the estimated Fair Price-To-Sales Ratio (9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0A75 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$50.71
US$60.90
+20.10%
16.54%US$84.00US$43.00n/a21
Nov ’26US$49.24
US$61.95
+25.82%
16.58%US$89.00US$43.00n/a21
Oct ’26US$53.36
US$59.62
+11.74%
19.00%US$89.00US$42.00n/a21
Sep ’26US$47.07
US$57.57
+22.31%
19.86%US$89.00US$42.00n/a21
Aug ’26US$42.20
US$60.19
+42.63%
17.12%US$89.00US$49.00n/a21
Jul ’26US$46.37
US$63.15
+36.17%
24.84%US$120.00US$47.00n/a23
Jun ’26US$42.97
US$63.06
+46.75%
25.35%US$120.00US$40.00n/a23
May ’26US$45.87
US$71.47
+55.82%
29.01%US$120.00US$43.00n/a24
Apr ’26US$45.83
US$85.36
+86.25%
18.65%US$120.00US$54.00n/a23
Mar ’26US$54.73
US$87.01
+58.98%
16.28%US$120.00US$57.00n/a23
Feb ’26US$97.75
US$97.14
-0.62%
14.95%US$120.00US$60.00n/a23
Jan ’26US$84.86
US$92.28
+8.75%
15.53%US$120.00US$55.00n/a22
Dec ’25US$90.55
US$85.05
-6.07%
16.98%US$105.00US$55.00n/a22
Nov ’25US$58.71
US$68.32
+16.36%
21.08%US$100.00US$45.00US$49.2422
Oct ’25US$50.93
US$67.82
+33.17%
21.65%US$100.00US$45.00US$53.3622
Sep ’25US$55.05
US$67.73
+23.04%
20.85%US$100.00US$45.00US$47.0722
Aug ’25US$48.16
US$76.87
+59.61%
15.97%US$100.00US$60.00US$42.2022
Jul ’25US$52.34
US$80.35
+53.52%
17.05%US$102.00US$60.00US$46.3723
Jun ’25US$51.54
US$82.73
+60.51%
17.75%US$110.00US$60.00US$42.9722
May ’25US$63.35
US$84.83
+33.91%
15.26%US$110.00US$60.00US$45.8723
Apr ’25US$69.09
US$87.09
+26.05%
14.51%US$110.00US$60.00US$45.8323
Mar ’25US$65.58
US$87.43
+33.34%
13.68%US$110.00US$65.00US$54.7323
Feb ’25US$78.36
US$86.29
+10.12%
15.20%US$110.00US$61.00US$97.7524
Jan ’25US$82.74
US$83.17
+0.53%
17.33%US$110.00US$61.00US$84.8623
Dec ’24US$67.29
US$85.57
+27.17%
20.91%US$130.70US$61.00US$90.5524
Nov ’24US$87.28
US$130.99
+50.08%
18.98%US$200.00US$90.00US$58.7125
US$61.34
Fair Value
17.3% undervalued intrinsic discount
21
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/16 22:49
End of Day Share Price 2025/11/14 00:00
Earnings2025/09/30
Annual Earnings2025/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

BILL Holdings, Inc. is covered by 32 analysts. 23 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David KoningBaird
Gary PrestopinoBarrington Research Associates, Inc.
null nullBMO Capital Markets Equity Research