BILL Holdings, Inc.BILLEarnings & Financial Report
BILL Holdings, Inc. is an American company based in San Jose, California, that provides automated, cloud-based software for financial operations for small businesses in the United States. A white-labeled, end-to-end payments automation platform, Bill.com Connect is offered to financial institutions as part of their single sign-on online business banking ecosystem.
BILL Q2 FY2026 Key Financial Metrics
Revenue
$414.7M
Gross Profit
$331.1M
Operating Profit
$-18.1M
Net Profit
$-2.6M
Gross Margin
79.8%
Operating Margin
-4.4%
Net Margin
-0.6%
YoY Growth
14.4%
EPS
$-0.03
BILL Holdings, Inc. Q2 FY2026 Financial Summary
BILL Holdings, Inc. reported revenue of $414.7M (up 14.4% YoY) for Q2 FY2026, with a net profit of $-2.6M (down 107.7% YoY) (-0.6% margin). Cost of goods sold was $83.6M, operating expenses totaled $349.2M.
Key Financial Metrics
| Total Revenue | $414.7M |
|---|---|
| Net Profit | $-2.6M |
| Gross Margin | 79.8% |
| Operating Margin | -4.4% |
| Report Period | Q2 FY2026 |
Revenue Breakdown
BILL Holdings, Inc. Q2 FY2026 revenue of $414.7M breaks down across 4 segments, led by Accounts Payable And Accounts Receivable Solutions at $185.9M (44.8% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Accounts Payable And Accounts Receivable Solutions | $185.9M | 44.8% |
| Spend And Expense Interchange Revenue | $166.5M | 40.1% |
| Interest On Funds Held For Customers | $39.5M | 9.5% |
| Embedded And Other Solutions | $22.8M | 5.5% |
BILL Holdings, Inc. Revenue by Segment — Quarterly Trend
BILL Holdings, Inc. revenue by segment across the last 4 reported quarters, showing how each business line (such as Accounts Payable And Accounts Receivable Solutions and Spend And Expense Interchange Revenue) has evolved quarter over quarter.
| Segment | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 |
|---|---|---|---|---|
| Accounts Payable And Accounts Receivable Solutions | $185.9M | $178.6M | $174.9M | $163.8M |
| Spend And Expense Interchange Revenue | $166.5M | $157.3M | $150.7M | $137.9M |
| Interest On Funds Held For Customers | $39.5M | $37.7M | $37.4M | $37.9M |
| Embedded And Other Solutions | $22.8M | $22.1M | $20.4M | $18.6M |
BILL Holdings, Inc. Annual Revenue by Year
BILL Holdings, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.5B).
BILL Holdings, Inc. Quarterly Revenue & Net Profit History
BILL Holdings, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q2 FY2026 | $414.7M | +14.4% | $-2.6M | -0.6% |
| Q1 FY2026 | $395.7M | +10.4% | $-3.0M | -0.7% |
| Q4 FY2025 | $383.3M | +11.5% | $-7.1M | -1.8% |
| Q3 FY2025 | $358.2M | +10.9% | $-11.6M | -3.2% |
| Q2 FY2025 | $362.6M | +13.8% | $33.5M | 9.3% |
| Q1 FY2025 | $358.4M | +17.5% | $8.9M | 2.5% |
| Q4 FY2024 | $343.7M | +16.1% | $7.6M | 2.2% |
| Q3 FY2024 | $323.0M | +18.5% | $31.8M | 9.8% |
Income Statement
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $323.0M | $343.7M | $358.4M | $362.6M | $358.2M | $383.3M | $395.7M | $414.7M |
| YoY Growth | 18.5% | 16.1% | 17.5% | 13.8% | 10.9% | 11.5% | 10.4% | 14.4% |
Balance Sheet
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $9.12B | $9.18B | $9.05B | $9.67B | $9.63B | $10.06B | $10.15B | $10.13B |
| Liabilities | $5.06B | $5.04B | $5.03B | $5.86B | $5.76B | $6.15B | $6.27B | $6.32B |
| Equity | $4.06B | $4.13B | $4.01B | $3.81B | $3.87B | $3.91B | $3.88B | $3.81B |
Cash Flow
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $66.8M | $78.6M | $88.6M | $78.7M | $99.5M | $83.8M | $96.9M | $105.3M |