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Side-by-side financial comparison of BILL Holdings, Inc. (BILL) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
Savers Value Village, Inc. is the larger business by last-quarter revenue ($426.9M vs $414.7M, roughly 1.0× BILL Holdings, Inc.). BILL Holdings, Inc. runs the higher net margin — -0.6% vs -3.3%, a 2.7% gap on every dollar of revenue. On growth, BILL Holdings, Inc. posted the faster year-over-year revenue change (14.4% vs 8.1%). BILL Holdings, Inc. produced more free cash flow last quarter ($103.8M vs $-6.3M). Over the past eight quarters, BILL Holdings, Inc.'s revenue compounded faster (13.3% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
BILL vs SVV — Head-to-Head
Income Statement — Q2 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $414.7M | $426.9M |
| Net Profit | $-2.6M | $-14.0M |
| Gross Margin | 79.8% | — |
| Operating Margin | -4.4% | 8.5% |
| Net Margin | -0.6% | -3.3% |
| Revenue YoY | 14.4% | 8.1% |
| Net Profit YoY | -107.7% | -164.6% |
| EPS (diluted) | $-0.03 | $-0.09 |
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 | — | ||
| Q3 25 | $395.7M | $426.9M | ||
| Q2 25 | $383.3M | $417.2M | ||
| Q1 25 | $358.2M | $370.1M | ||
| Q4 24 | $362.6M | $402.0M | ||
| Q3 24 | $358.4M | $394.8M | ||
| Q2 24 | $343.7M | $386.7M | ||
| Q1 24 | $323.0M | $354.2M |
| Q4 25 | $-2.6M | — | ||
| Q3 25 | $-3.0M | $-14.0M | ||
| Q2 25 | $-7.1M | $18.9M | ||
| Q1 25 | $-11.6M | $-4.7M | ||
| Q4 24 | $33.5M | $-1.9M | ||
| Q3 24 | $8.9M | $21.7M | ||
| Q2 24 | $7.6M | $9.7M | ||
| Q1 24 | $31.8M | $-467.0K |
| Q4 25 | 79.8% | — | ||
| Q3 25 | 80.5% | — | ||
| Q2 25 | 80.8% | — | ||
| Q1 25 | 81.2% | — | ||
| Q4 24 | 81.6% | — | ||
| Q3 24 | 82.0% | 25.6% | ||
| Q2 24 | 81.0% | 26.6% | ||
| Q1 24 | 83.0% | 24.2% |
| Q4 25 | -4.4% | — | ||
| Q3 25 | -5.2% | 8.5% | ||
| Q2 25 | -5.8% | 8.2% | ||
| Q1 25 | -8.1% | 2.8% | ||
| Q4 24 | -6.0% | 8.2% | ||
| Q3 24 | -2.1% | 12.3% | ||
| Q2 24 | -6.5% | 8.3% | ||
| Q1 24 | -8.6% | 4.6% |
| Q4 25 | -0.6% | — | ||
| Q3 25 | -0.7% | -3.3% | ||
| Q2 25 | -1.8% | 4.5% | ||
| Q1 25 | -3.2% | -1.3% | ||
| Q4 24 | 9.3% | -0.5% | ||
| Q3 24 | 2.5% | 5.5% | ||
| Q2 24 | 2.2% | 2.5% | ||
| Q1 24 | 9.8% | -0.1% |
| Q4 25 | $-0.03 | — | ||
| Q3 25 | $-0.03 | $-0.09 | ||
| Q2 25 | $0.02 | $0.12 | ||
| Q1 25 | $-0.11 | $-0.03 | ||
| Q4 24 | $-0.06 | $-0.02 | ||
| Q3 24 | $0.08 | $0.13 | ||
| Q2 24 | $0.37 | $0.06 | ||
| Q1 24 | $0.00 | $0.00 |
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 | $63.5M |
| Total DebtLower is stronger | $1.8B | $750.0M |
| Stockholders' EquityBook value | $3.8B | $414.6M |
| Total Assets | $10.1B | $2.0B |
| Debt / EquityLower = less leverage | 0.48× | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.1B | — | ||
| Q3 25 | $1.1B | $63.5M | ||
| Q2 25 | $1.0B | $70.5M | ||
| Q1 25 | $1.0B | $73.0M | ||
| Q4 24 | $1.6B | $150.0M | ||
| Q3 24 | $853.5M | $137.7M | ||
| Q2 24 | $985.9M | $160.7M | ||
| Q1 24 | $952.5M | $102.2M |
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.9B | $750.0M | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $914.8M | — | ||
| Q2 24 | $914.0M | — | ||
| Q1 24 | $1.1B | — |
| Q4 25 | $3.8B | — | ||
| Q3 25 | $3.9B | $414.6M | ||
| Q2 25 | $3.9B | $423.5M | ||
| Q1 25 | $3.9B | $413.8M | ||
| Q4 24 | $3.8B | $421.7M | ||
| Q3 24 | $4.0B | $432.9M | ||
| Q2 24 | $4.1B | $419.5M | ||
| Q1 24 | $4.1B | $395.0M |
| Q4 25 | $10.1B | — | ||
| Q3 25 | $10.2B | $2.0B | ||
| Q2 25 | $10.1B | $1.9B | ||
| Q1 25 | $9.6B | $1.9B | ||
| Q4 24 | $9.7B | $1.9B | ||
| Q3 24 | $9.0B | $1.9B | ||
| Q2 24 | $9.2B | $1.9B | ||
| Q1 24 | $9.1B | $1.8B |
| Q4 25 | 0.48× | — | ||
| Q3 25 | 0.48× | 1.81× | ||
| Q2 25 | 0.44× | — | ||
| Q1 25 | 0.43× | — | ||
| Q4 24 | 0.44× | — | ||
| Q3 24 | 0.23× | — | ||
| Q2 24 | 0.22× | — | ||
| Q1 24 | 0.28× | — |
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 | $21.6M |
| Free Cash FlowOCF − Capex | $103.8M | $-6.3M |
| FCF MarginFCF / Revenue | 25.0% | -1.5% |
| Capex IntensityCapex / Revenue | 0.4% | 6.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $378.8M | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.3M | — | ||
| Q3 25 | $96.9M | $21.6M | ||
| Q2 25 | $83.8M | $54.4M | ||
| Q1 25 | $99.5M | $419.0K | ||
| Q4 24 | $78.7M | $55.8M | ||
| Q3 24 | $88.6M | $23.9M | ||
| Q2 24 | $78.6M | $60.4M | ||
| Q1 24 | $66.8M | $-5.8M |
| Q4 25 | $103.8M | — | ||
| Q3 25 | $95.6M | $-6.3M | ||
| Q2 25 | $81.0M | $21.9M | ||
| Q1 25 | $98.4M | $-20.2M | ||
| Q4 24 | $78.3M | $30.1M | ||
| Q3 24 | $88.6M | $-3.0M | ||
| Q2 24 | $78.4M | $29.6M | ||
| Q1 24 | $66.8M | $-28.3M |
| Q4 25 | 25.0% | — | ||
| Q3 25 | 24.1% | -1.5% | ||
| Q2 25 | 21.1% | 5.2% | ||
| Q1 25 | 27.5% | -5.4% | ||
| Q4 24 | 21.6% | 7.5% | ||
| Q3 24 | 24.7% | -0.8% | ||
| Q2 24 | 22.8% | 7.6% | ||
| Q1 24 | 20.7% | -8.0% |
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.3% | 6.5% | ||
| Q2 25 | 0.7% | 7.8% | ||
| Q1 25 | 0.3% | 5.6% | ||
| Q4 24 | 0.1% | 6.4% | ||
| Q3 24 | 0.0% | 6.8% | ||
| Q2 24 | 0.1% | 8.0% | ||
| Q1 24 | 0.0% | 6.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 2.88× | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.35× | — | ||
| Q3 24 | 9.94× | 1.10× | ||
| Q2 24 | 10.35× | 6.22× | ||
| Q1 24 | 2.10× | — |
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% |
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
