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Side-by-side financial comparison of BILL Holdings, Inc. (BILL) and SANFILIPPO JOHN B & SON INC (JBSS). Click either name above to swap in a different company.
BILL Holdings, Inc. is the larger business by last-quarter revenue ($414.7M vs $314.8M, roughly 1.3× SANFILIPPO JOHN B & SON INC). SANFILIPPO JOHN B & SON INC runs the higher net margin — 5.7% vs -0.6%, a 6.3% gap on every dollar of revenue. On growth, BILL Holdings, Inc. posted the faster year-over-year revenue change (14.4% vs 4.6%). BILL Holdings, Inc. produced more free cash flow last quarter ($103.8M vs $40.0M). Over the past eight quarters, BILL Holdings, Inc.'s revenue compounded faster (13.3% CAGR vs 7.6%).
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.
John B. Sanfilippo & Son Inc. (JBSS) is a leading US processor, marketer and distributor of high-quality tree nuts, peanuts, dried fruits, and value-added snack products. It serves retail, foodservice, and industrial ingredient customers primarily across North America, offering both branded and private label product lines.
BILL vs JBSS — Head-to-Head
Income Statement — Q2 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $414.7M | $314.8M |
| Net Profit | $-2.6M | $18.0M |
| Gross Margin | 79.8% | 18.8% |
| Operating Margin | -4.4% | 8.3% |
| Net Margin | -0.6% | 5.7% |
| Revenue YoY | 14.4% | 4.6% |
| Net Profit YoY | -107.7% | 32.1% |
| EPS (diluted) | $-0.03 | $1.53 |
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 | $314.8M | ||
| Q3 25 | $395.7M | $298.7M | ||
| Q2 25 | $383.3M | $269.1M | ||
| Q1 25 | $358.2M | $260.9M | ||
| Q4 24 | $362.6M | $301.1M | ||
| Q3 24 | $358.4M | $276.2M | ||
| Q2 24 | $343.7M | $269.6M | ||
| Q1 24 | $323.0M | $271.9M |
| Q4 25 | $-2.6M | $18.0M | ||
| Q3 25 | $-3.0M | $18.7M | ||
| Q2 25 | $-7.1M | $13.5M | ||
| Q1 25 | $-11.6M | $20.2M | ||
| Q4 24 | $33.5M | $13.6M | ||
| Q3 24 | $8.9M | $11.7M | ||
| Q2 24 | $7.6M | $10.0M | ||
| Q1 24 | $31.8M | $13.5M |
| Q4 25 | 79.8% | 18.8% | ||
| Q3 25 | 80.5% | 18.1% | ||
| Q2 25 | 80.8% | 18.1% | ||
| Q1 25 | 81.2% | 21.4% | ||
| Q4 24 | 81.6% | 17.4% | ||
| Q3 24 | 82.0% | 16.9% | ||
| Q2 24 | 81.0% | 18.5% | ||
| Q1 24 | 83.0% | 18.1% |
| Q4 25 | -4.4% | 8.3% | ||
| Q3 25 | -5.2% | 9.0% | ||
| Q2 25 | -5.8% | 7.5% | ||
| Q1 25 | -8.1% | 10.8% | ||
| Q4 24 | -6.0% | 6.4% | ||
| Q3 24 | -2.1% | 6.2% | ||
| Q2 24 | -6.5% | 5.4% | ||
| Q1 24 | -8.6% | 6.7% |
| Q4 25 | -0.6% | 5.7% | ||
| Q3 25 | -0.7% | 6.3% | ||
| Q2 25 | -1.8% | 5.0% | ||
| Q1 25 | -3.2% | 7.7% | ||
| Q4 24 | 9.3% | 4.5% | ||
| Q3 24 | 2.5% | 4.2% | ||
| Q2 24 | 2.2% | 3.7% | ||
| Q1 24 | 9.8% | 5.0% |
| Q4 25 | $-0.03 | $1.53 | ||
| Q3 25 | $-0.03 | $1.59 | ||
| Q2 25 | $0.02 | $1.15 | ||
| Q1 25 | $-0.11 | $1.72 | ||
| Q4 24 | $-0.06 | $1.16 | ||
| Q3 24 | $0.08 | $1.00 | ||
| Q2 24 | $0.37 | $0.85 | ||
| Q1 24 | $0.00 | $1.15 |
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 | $2.4M |
| Total DebtLower is stronger | $1.8B | $28.8M |
| Stockholders' EquityBook value | $3.8B | $370.1M |
| Total Assets | $10.1B | $617.7M |
| Debt / EquityLower = less leverage | 0.48× | 0.08× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.1B | $2.4M | ||
| Q3 25 | $1.1B | $714.0K | ||
| Q2 25 | $1.0B | $585.0K | ||
| Q1 25 | $1.0B | $1.3M | ||
| Q4 24 | $1.6B | $336.0K | ||
| Q3 24 | $853.5M | $442.0K | ||
| Q2 24 | $985.9M | $484.0K | ||
| Q1 24 | $952.5M | $377.0K |
| Q4 25 | $1.8B | $28.8M | ||
| Q3 25 | $1.9B | $29.8M | ||
| Q2 25 | $1.7B | $14.6M | ||
| Q1 25 | $1.7B | $5.8M | ||
| Q4 24 | $1.7B | $6.0M | ||
| Q3 24 | $914.8M | $6.2M | ||
| Q2 24 | $914.0M | $6.4M | ||
| Q1 24 | $1.1B | $6.6M |
| Q4 25 | $3.8B | $370.1M | ||
| Q3 25 | $3.9B | $362.8M | ||
| Q2 25 | $3.9B | $360.7M | ||
| Q1 25 | $3.9B | $346.6M | ||
| Q4 24 | $3.8B | $325.6M | ||
| Q3 24 | $4.0B | $310.8M | ||
| Q2 24 | $4.1B | $322.6M | ||
| Q1 24 | $4.1B | $321.8M |
| Q4 25 | $10.1B | $617.7M | ||
| Q3 25 | $10.2B | $598.7M | ||
| Q2 25 | $10.1B | $597.6M | ||
| Q1 25 | $9.6B | $590.0M | ||
| Q4 24 | $9.7B | $545.3M | ||
| Q3 24 | $9.0B | $519.4M | ||
| Q2 24 | $9.2B | $515.6M | ||
| Q1 24 | $9.1B | $491.9M |
| Q4 25 | 0.48× | 0.08× | ||
| Q3 25 | 0.48× | 0.08× | ||
| Q2 25 | 0.44× | 0.04× | ||
| Q1 25 | 0.43× | 0.02× | ||
| Q4 24 | 0.44× | 0.02× | ||
| Q3 24 | 0.23× | 0.02× | ||
| Q2 24 | 0.22× | 0.02× | ||
| Q1 24 | 0.28× | 0.02× |
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 | $62.5M |
| Free Cash FlowOCF − Capex | $103.8M | $40.0M |
| FCF MarginFCF / Revenue | 25.0% | 12.7% |
| Capex IntensityCapex / Revenue | 0.4% | 7.1% |
| Cash ConversionOCF / Net Profit | — | 3.48× |
| TTM Free Cash FlowTrailing 4 quarters | $378.8M | $32.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.3M | $62.5M | ||
| Q3 25 | $96.9M | $32.1M | ||
| Q2 25 | $83.8M | $36.5M | ||
| Q1 25 | $99.5M | $-25.9M | ||
| Q4 24 | $78.7M | $11.0M | ||
| Q3 24 | $88.6M | $8.9M | ||
| Q2 24 | $78.6M | $35.2M | ||
| Q1 24 | $66.8M | $5.3M |
| Q4 25 | $103.8M | $40.0M | ||
| Q3 25 | $95.6M | $7.3M | ||
| Q2 25 | $81.0M | $23.0M | ||
| Q1 25 | $98.4M | $-37.6M | ||
| Q4 24 | $78.3M | $-2.7M | ||
| Q3 24 | $88.6M | $-3.0M | ||
| Q2 24 | $78.4M | $24.4M | ||
| Q1 24 | $66.8M | $-1.3M |
| Q4 25 | 25.0% | 12.7% | ||
| Q3 25 | 24.1% | 2.4% | ||
| Q2 25 | 21.1% | 8.6% | ||
| Q1 25 | 27.5% | -14.4% | ||
| Q4 24 | 21.6% | -0.9% | ||
| Q3 24 | 24.7% | -1.1% | ||
| Q2 24 | 22.8% | 9.0% | ||
| Q1 24 | 20.7% | -0.5% |
| Q4 25 | 0.4% | 7.1% | ||
| Q3 25 | 0.3% | 8.3% | ||
| Q2 25 | 0.7% | 5.0% | ||
| Q1 25 | 0.3% | 4.5% | ||
| Q4 24 | 0.1% | 4.5% | ||
| Q3 24 | 0.0% | 4.3% | ||
| Q2 24 | 0.1% | 4.0% | ||
| Q1 24 | 0.0% | 2.4% |
| Q4 25 | — | 3.48× | ||
| Q3 25 | — | 1.72× | ||
| Q2 25 | — | 2.70× | ||
| Q1 25 | — | -1.29× | ||
| Q4 24 | 2.35× | 0.81× | ||
| Q3 24 | 9.94× | 0.77× | ||
| Q2 24 | 10.35× | 3.52× | ||
| Q1 24 | 2.10× | 0.39× |
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% |
JBSS
| Sales Channel Directly To Consumer | $263.2M | 84% |
| Sales Channel Commercial Ingredients | $28.0M | 9% |
| Sales Channel Contract Packaging | $23.6M | 8% |
