How Paychex Partnership and Analyst Optimism at BILL Holdings (BILL) Has Changed Its Investment Story

• Earlier this month, Paychex announced a new integrated accounts payable solution, Bill Pay, Powered by BILL, that connects BILL Holdings’ payment network with Paychex Flex to simplify payroll, HR, and payment workflows for small and midsize businesses.
• An important insight from the latest BILL report highlights that nearly 40% of SMBs who have not yet automated their financial operations plan to do so soon, reflecting growing demand for seamless, tech-enabled financial management.
• We'll examine how the launch of Bill Pay, Powered by BILL, and new analyst optimism could reshape BILL Holdings' investment narrative.

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BILL Holdings Investment Narrative Recap

For shareholders in BILL Holdings, the big picture relies on adoption of digital financial operations by SMBs and the company’s ability to stay ahead in product innovation and channel expansion. The launch of Bill Pay, Powered by BILL, in collaboration with Paychex, directly supports embedded finance as the most important short-term catalyst, but heightened competitive pressure from large fintech rivals remains a critical risk for BILL. While this partnership increases BILL’s customer reach and strengthens the investment narrative, it does not fundamentally shift major risks facing the business.

Among recent announcements, the rollout of Supplier Payments Plus in June 2025 stands out in context. It expands BILL’s ability to capture more transaction revenue from larger suppliers, a move that complements embedded finance partnerships such as the Paychex deal and could help offset margin pressures from onboarding smaller SMB clients.

But investors should be aware that, in contrast, increased competition from larger software providers could...

Read the full narrative on BILL Holdings (it's free!)

BILL Holdings' outlook anticipates $2.1 billion in revenue and $94.8 million in earnings by 2028. This implies a 13.2% annual revenue growth and a $71 million increase in earnings from the current $23.8 million.

Uncover how BILL Holdings' forecasts yield a $58.95 fair value, a 10% upside to its current price.

Exploring Other Perspectives

Three fair value estimates from the Simply Wall St Community range from US$58.95 to US$91.62. While some participants foresee further gains, expanding embedded finance partnerships could accelerate growth or introduce new challenges affecting BILL’s future performance.

Explore 3 other fair value estimates on BILL Holdings - why the stock might be worth as much as 72% more than the current price!

Build Your Own BILL Holdings Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your BILL Holdings research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.
• Our free BILL Holdings research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate BILL Holdings' overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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