vs
Side-by-side financial comparison of BILL Holdings, Inc. (BILL) and PROSPERITY BANCSHARES INC (PB). Click either name above to swap in a different company.
BILL Holdings, Inc. is the larger business by last-quarter revenue ($414.7M vs $367.6M, roughly 1.1× PROSPERITY BANCSHARES INC). PROSPERITY BANCSHARES INC runs the higher net margin — 31.6% vs -0.6%, a 32.3% gap on every dollar of revenue. Over the past eight quarters, PROSPERITY BANCSHARES INC's revenue compounded faster (19.2% CAGR vs 13.3%).
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.
Prosperity Bancshares, Inc. is a bank holding company headquartered in Houston, Texas with operations in Texas and central Oklahoma. As of December 31, 2019, the company operated 285 branches: 65 in the Houston area, including The Woodlands, Texas; 30 in South Texas, including Corpus Christi, Texas and Victoria, Texas; 75 in the Dallas–Fort Worth metroplex; 22 in East Texas; 29 in Central Texas, including Austin, Texas and San Antonio; 34 in West Texas, including Lubbock, Texas, Midland–Odess...
BILL vs PB — Head-to-Head
Income Statement — Q2 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $414.7M | $367.6M |
| Net Profit | $-2.6M | $116.3M |
| Gross Margin | 79.8% | — |
| Operating Margin | -4.4% | — |
| Net Margin | -0.6% | 31.6% |
| Revenue YoY | 14.4% | — |
| Net Profit YoY | -107.7% | -10.7% |
| EPS (diluted) | $-0.03 | $1.16 |
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.
| Q1 26 | — | $367.6M | ||
| Q4 25 | $414.7M | $275.0M | ||
| Q3 25 | $395.7M | $273.4M | ||
| Q2 25 | $383.3M | $267.7M | ||
| Q1 25 | $358.2M | $265.4M | ||
| Q4 24 | $362.6M | $267.8M | ||
| Q3 24 | $358.4M | $261.7M | ||
| Q2 24 | $343.7M | $258.8M |
| Q1 26 | — | $116.3M | ||
| Q4 25 | $-2.6M | $139.9M | ||
| Q3 25 | $-3.0M | $137.6M | ||
| Q2 25 | $-7.1M | $135.2M | ||
| Q1 25 | $-11.6M | $130.2M | ||
| Q4 24 | $33.5M | $130.1M | ||
| Q3 24 | $8.9M | $127.3M | ||
| Q2 24 | $7.6M | $111.6M |
| Q1 26 | — | — | ||
| Q4 25 | 79.8% | — | ||
| Q3 25 | 80.5% | — | ||
| Q2 25 | 80.8% | — | ||
| Q1 25 | 81.2% | — | ||
| Q4 24 | 81.6% | — | ||
| Q3 24 | 82.0% | — | ||
| Q2 24 | 81.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | -4.4% | 65.1% | ||
| Q3 25 | -5.2% | 64.4% | ||
| Q2 25 | -5.8% | 64.3% | ||
| Q1 25 | -8.1% | 62.7% | ||
| Q4 24 | -6.0% | 62.0% | ||
| Q3 24 | -2.1% | 62.1% | ||
| Q2 24 | -6.5% | 55.2% |
| Q1 26 | — | 31.6% | ||
| Q4 25 | -0.6% | 50.9% | ||
| Q3 25 | -0.7% | 50.3% | ||
| Q2 25 | -1.8% | 50.5% | ||
| Q1 25 | -3.2% | 49.1% | ||
| Q4 24 | 9.3% | 48.6% | ||
| Q3 24 | 2.5% | 48.6% | ||
| Q2 24 | 2.2% | 43.1% |
| Q1 26 | — | $1.16 | ||
| Q4 25 | $-0.03 | $1.48 | ||
| Q3 25 | $-0.03 | $1.45 | ||
| Q2 25 | $0.02 | $1.42 | ||
| Q1 25 | $-0.11 | $1.37 | ||
| Q4 24 | $-0.06 | $1.36 | ||
| Q3 24 | $0.08 | $1.34 | ||
| Q2 24 | $0.37 | $1.17 |
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 | — |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $3.8B | $8.2B |
| Total Assets | $10.1B | $43.6B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | — | ||
| Q3 25 | $1.1B | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $1.0B | — | ||
| Q4 24 | $1.6B | — | ||
| Q3 24 | $853.5M | — | ||
| Q2 24 | $985.9M | — |
| Q1 26 | — | — | ||
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $914.8M | — | ||
| Q2 24 | $914.0M | — |
| Q1 26 | — | $8.2B | ||
| Q4 25 | $3.8B | $7.6B | ||
| Q3 25 | $3.9B | $7.7B | ||
| Q2 25 | $3.9B | $7.6B | ||
| Q1 25 | $3.9B | $7.5B | ||
| Q4 24 | $3.8B | $7.4B | ||
| Q3 24 | $4.0B | $7.4B | ||
| Q2 24 | $4.1B | $7.3B |
| Q1 26 | — | $43.6B | ||
| Q4 25 | $10.1B | $38.5B | ||
| Q3 25 | $10.2B | $38.3B | ||
| Q2 25 | $10.1B | $38.4B | ||
| Q1 25 | $9.6B | $38.8B | ||
| Q4 24 | $9.7B | $39.6B | ||
| Q3 24 | $9.0B | $40.1B | ||
| Q2 24 | $9.2B | $39.8B |
| Q1 26 | — | — | ||
| Q4 25 | 0.48× | — | ||
| Q3 25 | 0.48× | — | ||
| Q2 25 | 0.44× | — | ||
| Q1 25 | 0.43× | — | ||
| Q4 24 | 0.44× | — | ||
| Q3 24 | 0.23× | — | ||
| Q2 24 | 0.22× | — |
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 | — |
| Free Cash FlowOCF − Capex | $103.8M | — |
| FCF MarginFCF / Revenue | 25.0% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $378.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $105.3M | $78.3M | ||
| Q3 25 | $96.9M | $194.8M | ||
| Q2 25 | $83.8M | $98.2M | ||
| Q1 25 | $99.5M | $178.2M | ||
| Q4 24 | $78.7M | $-205.8M | ||
| Q3 24 | $88.6M | $274.6M | ||
| Q2 24 | $78.6M | $216.5M |
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $68.5M | ||
| Q3 25 | $95.6M | $185.7M | ||
| Q2 25 | $81.0M | $91.8M | ||
| Q1 25 | $98.4M | $171.1M | ||
| Q4 24 | $78.3M | $-210.7M | ||
| Q3 24 | $88.6M | $270.2M | ||
| Q2 24 | $78.4M | $211.8M |
| Q1 26 | — | — | ||
| Q4 25 | 25.0% | 24.9% | ||
| Q3 25 | 24.1% | 67.9% | ||
| Q2 25 | 21.1% | 34.3% | ||
| Q1 25 | 27.5% | 64.5% | ||
| Q4 24 | 21.6% | -78.7% | ||
| Q3 24 | 24.7% | 103.3% | ||
| Q2 24 | 22.8% | 81.8% |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 3.6% | ||
| Q3 25 | 0.3% | 3.3% | ||
| Q2 25 | 0.7% | 2.4% | ||
| Q1 25 | 0.3% | 2.7% | ||
| Q4 24 | 0.1% | 1.8% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.1% | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.56× | ||
| Q3 25 | — | 1.42× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 1.37× | ||
| Q4 24 | 2.35× | -1.58× | ||
| Q3 24 | 9.94× | 2.16× | ||
| Q2 24 | 10.35× | 1.94× |
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% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
