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Side-by-side financial comparison of BILL Holdings, Inc. (BILL) and GUESS INC (GES). Click either name above to swap in a different company.
GUESS INC is the larger business by last-quarter revenue ($791.4M vs $414.7M, roughly 1.9× BILL Holdings, Inc.). GUESS INC runs the higher net margin — 3.2% vs -0.6%, a 3.9% gap on every dollar of revenue. On growth, BILL Holdings, Inc. posted the faster year-over-year revenue change (14.4% vs 7.2%). BILL Holdings, Inc. produced more free cash flow last quarter ($103.8M vs $-56.3M). Over the past eight quarters, BILL Holdings, Inc.'s revenue compounded faster (13.3% CAGR vs -5.8%).
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.
Guess?, Inc. is an American clothing company, notable for its black-and-white advertisements. It licenses its brand on other fashion accessories, such as watches, jewelry, perfumes, bags and shoes.
BILL vs GES — Head-to-Head
Income Statement — Q2 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $414.7M | $791.4M |
| Net Profit | $-2.6M | $25.6M |
| Gross Margin | 79.8% | 42.5% |
| Operating Margin | -4.4% | 2.9% |
| Net Margin | -0.6% | 3.2% |
| Revenue YoY | 14.4% | 7.2% |
| Net Profit YoY | -107.7% | 209.6% |
| EPS (diluted) | $-0.03 | $0.48 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $414.7M | $791.4M | ||
| Q3 25 | $395.7M | $772.9M | ||
| Q2 25 | $383.3M | $647.8M | ||
| Q1 25 | $358.2M | $932.3M | ||
| Q4 24 | $362.6M | $738.5M | ||
| Q3 24 | $358.4M | $732.6M | ||
| Q2 24 | $343.7M | $591.9M | ||
| Q1 24 | $323.0M | $891.0M |
| Q4 25 | $-2.6M | $25.6M | ||
| Q3 25 | $-3.0M | $6.2M | ||
| Q2 25 | $-7.1M | $-32.9M | ||
| Q1 25 | $-11.6M | $81.4M | ||
| Q4 24 | $33.5M | $-23.4M | ||
| Q3 24 | $8.9M | $-10.6M | ||
| Q2 24 | $7.6M | $13.0M | ||
| Q1 24 | $31.8M | $115.3M |
| Q4 25 | 79.8% | 42.5% | ||
| Q3 25 | 80.5% | 42.5% | ||
| Q2 25 | 80.8% | 39.9% | ||
| Q1 25 | 81.2% | 44.1% | ||
| Q4 24 | 81.6% | 43.6% | ||
| Q3 24 | 82.0% | 43.7% | ||
| Q2 24 | 81.0% | 41.9% | ||
| Q1 24 | 83.0% | 45.4% |
| Q4 25 | -4.4% | 2.9% | ||
| Q3 25 | -5.2% | 2.3% | ||
| Q2 25 | -5.8% | -5.1% | ||
| Q1 25 | -8.1% | 11.1% | ||
| Q4 24 | -6.0% | 5.7% | ||
| Q3 24 | -2.1% | 6.5% | ||
| Q2 24 | -6.5% | -3.4% | ||
| Q1 24 | -8.6% | 16.3% |
| Q4 25 | -0.6% | 3.2% | ||
| Q3 25 | -0.7% | 0.8% | ||
| Q2 25 | -1.8% | -5.1% | ||
| Q1 25 | -3.2% | 8.7% | ||
| Q4 24 | 9.3% | -3.2% | ||
| Q3 24 | 2.5% | -1.4% | ||
| Q2 24 | 2.2% | 2.2% | ||
| Q1 24 | 9.8% | 12.9% |
| Q4 25 | $-0.03 | $0.48 | ||
| Q3 25 | $-0.03 | $0.12 | ||
| Q2 25 | $0.02 | $-0.65 | ||
| Q1 25 | $-0.11 | $1.29 | ||
| Q4 24 | $-0.06 | $-0.47 | ||
| Q3 24 | $0.08 | $-0.28 | ||
| Q2 24 | $0.37 | $0.23 | ||
| Q1 24 | $0.00 | $1.90 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.1B | $154.2M |
| Total DebtLower is stronger | $1.8B | $299.5M |
| Stockholders' EquityBook value | $3.8B | $508.5M |
| Total Assets | $10.1B | $3.0B |
| Debt / EquityLower = less leverage | 0.48× | 0.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.1B | $154.2M | ||
| Q3 25 | $1.1B | $189.6M | ||
| Q2 25 | $1.0B | $151.2M | ||
| Q1 25 | $1.0B | $187.7M | ||
| Q4 24 | $1.6B | $140.9M | ||
| Q3 24 | $853.5M | $218.9M | ||
| Q2 24 | $985.9M | $241.7M | ||
| Q1 24 | $952.5M | $360.3M |
| Q4 25 | $1.8B | $299.5M | ||
| Q3 25 | $1.9B | $258.4M | ||
| Q2 25 | $1.7B | $241.7M | ||
| Q1 25 | $1.7B | $150.7M | ||
| Q4 24 | $1.7B | $238.3M | ||
| Q3 24 | $914.8M | $187.8M | ||
| Q2 24 | $914.0M | $196.9M | ||
| Q1 24 | $1.1B | $28.2M |
| Q4 25 | $3.8B | $508.5M | ||
| Q3 25 | $3.9B | $487.6M | ||
| Q2 25 | $3.9B | $483.6M | ||
| Q1 25 | $3.9B | $505.0M | ||
| Q4 24 | $3.8B | $450.7M | ||
| Q3 24 | $4.0B | $491.2M | ||
| Q2 24 | $4.1B | $565.5M | ||
| Q1 24 | $4.1B | $684.9M |
| Q4 25 | $10.1B | $3.0B | ||
| Q3 25 | $10.2B | $3.0B | ||
| Q2 25 | $10.1B | $2.9B | ||
| Q1 25 | $9.6B | $2.8B | ||
| Q4 24 | $9.7B | $2.8B | ||
| Q3 24 | $9.0B | $2.8B | ||
| Q2 24 | $9.2B | $2.7B | ||
| Q1 24 | $9.1B | $2.6B |
| Q4 25 | 0.48× | 0.59× | ||
| Q3 25 | 0.48× | 0.53× | ||
| Q2 25 | 0.44× | 0.50× | ||
| Q1 25 | 0.43× | 0.30× | ||
| Q4 24 | 0.44× | 0.53× | ||
| Q3 24 | 0.23× | 0.38× | ||
| Q2 24 | 0.22× | 0.35× | ||
| Q1 24 | 0.28× | 0.04× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $105.3M | $-39.5M |
| Free Cash FlowOCF − Capex | $103.8M | $-56.3M |
| FCF MarginFCF / Revenue | 25.0% | -7.1% |
| Capex IntensityCapex / Revenue | 0.4% | 2.1% |
| Cash ConversionOCF / Net Profit | — | -1.54× |
| TTM Free Cash FlowTrailing 4 quarters | $378.8M | $62.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.3M | $-39.5M | ||
| Q3 25 | $96.9M | $74.9M | ||
| Q2 25 | $83.8M | $-73.4M | ||
| Q1 25 | $99.5M | $183.2M | ||
| Q4 24 | $78.7M | $-83.3M | ||
| Q3 24 | $88.6M | $44.7M | ||
| Q2 24 | $78.6M | $-22.9M | ||
| Q1 24 | $66.8M | $289.5M |
| Q4 25 | $103.8M | $-56.3M | ||
| Q3 25 | $95.6M | $53.4M | ||
| Q2 25 | $81.0M | $-95.3M | ||
| Q1 25 | $98.4M | $160.7M | ||
| Q4 24 | $78.3M | $-105.4M | ||
| Q3 24 | $88.6M | $24.3M | ||
| Q2 24 | $78.4M | $-44.0M | ||
| Q1 24 | $66.8M | $267.8M |
| Q4 25 | 25.0% | -7.1% | ||
| Q3 25 | 24.1% | 6.9% | ||
| Q2 25 | 21.1% | -14.7% | ||
| Q1 25 | 27.5% | 17.2% | ||
| Q4 24 | 21.6% | -14.3% | ||
| Q3 24 | 24.7% | 3.3% | ||
| Q2 24 | 22.8% | -7.4% | ||
| Q1 24 | 20.7% | 30.1% |
| Q4 25 | 0.4% | 2.1% | ||
| Q3 25 | 0.3% | 2.8% | ||
| Q2 25 | 0.7% | 3.4% | ||
| Q1 25 | 0.3% | 2.4% | ||
| Q4 24 | 0.1% | 3.0% | ||
| Q3 24 | 0.0% | 2.8% | ||
| Q2 24 | 0.1% | 3.6% | ||
| Q1 24 | 0.0% | 2.4% |
| Q4 25 | — | -1.54× | ||
| Q3 25 | — | 12.00× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 2.25× | ||
| Q4 24 | 2.35× | — | ||
| Q3 24 | 9.94× | — | ||
| Q2 24 | 10.35× | -1.76× | ||
| Q1 24 | 2.10× | 2.51× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BILL
| Accounts Payable And Accounts Receivable Solutions | $185.9M | 45% |
| Spend And Expense Interchange Revenue | $166.5M | 40% |
| Interest On Funds Held For Customers | $39.5M | 10% |
| Embedded And Other Solutions | $22.8M | 5% |
GES
| Products | $760.3M | 96% |
| Royalty | $31.1M | 4% |
