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Side-by-side financial comparison of BILL Holdings, Inc. (BILL) and INTERFACE INC (TILE). Click either name above to swap in a different company.
BILL Holdings, Inc. is the larger business by last-quarter revenue ($414.7M vs $349.4M, roughly 1.2× INTERFACE INC). INTERFACE INC runs the higher net margin — 7.0% vs -0.6%, a 7.6% gap on every dollar of revenue. On growth, BILL Holdings, Inc. posted the faster year-over-year revenue change (14.4% vs 4.3%). BILL Holdings, Inc. produced more free cash flow last quarter ($103.8M vs $28.6M). Over the past eight quarters, BILL Holdings, Inc.'s revenue compounded faster (13.3% CAGR vs 9.8%).
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.
Interface, Inc., headquartered in Atlanta, Georgia, is a global manufacturer of commercial flooring. The company sells modular carpet tiles, luxury vinyl tile, and Nora brand rubber flooring.
BILL vs TILE — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $414.7M | $349.4M |
| Net Profit | $-2.6M | $24.4M |
| Gross Margin | 79.8% | 38.6% |
| Operating Margin | -4.4% | 10.1% |
| Net Margin | -0.6% | 7.0% |
| Revenue YoY | 14.4% | 4.3% |
| Net Profit YoY | -107.7% | 12.1% |
| EPS (diluted) | $-0.03 | $0.41 |
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 | $349.4M | ||
| Q3 25 | $395.7M | $364.5M | ||
| Q2 25 | $383.3M | $375.5M | ||
| Q1 25 | $358.2M | $297.4M | ||
| Q4 24 | $362.6M | $335.0M | ||
| Q3 24 | $358.4M | $344.3M | ||
| Q2 24 | $343.7M | $346.6M | ||
| Q1 24 | $323.0M | $289.7M |
| Q4 25 | $-2.6M | $24.4M | ||
| Q3 25 | $-3.0M | $46.1M | ||
| Q2 25 | $-7.1M | $32.6M | ||
| Q1 25 | $-11.6M | $13.0M | ||
| Q4 24 | $33.5M | $21.8M | ||
| Q3 24 | $8.9M | $28.4M | ||
| Q2 24 | $7.6M | $22.6M | ||
| Q1 24 | $31.8M | $14.2M |
| Q4 25 | 79.8% | 38.6% | ||
| Q3 25 | 80.5% | 39.4% | ||
| Q2 25 | 80.8% | 39.4% | ||
| Q1 25 | 81.2% | 37.3% | ||
| Q4 24 | 81.6% | 36.5% | ||
| Q3 24 | 82.0% | 37.1% | ||
| Q2 24 | 81.0% | 35.4% | ||
| Q1 24 | 83.0% | 38.1% |
| Q4 25 | -4.4% | 10.1% | ||
| Q3 25 | -5.2% | 14.6% | ||
| Q2 25 | -5.8% | 13.9% | ||
| Q1 25 | -8.1% | 7.8% | ||
| Q4 24 | -6.0% | 8.8% | ||
| Q3 24 | -2.1% | 12.3% | ||
| Q2 24 | -6.5% | 11.0% | ||
| Q1 24 | -8.6% | 8.4% |
| Q4 25 | -0.6% | 7.0% | ||
| Q3 25 | -0.7% | 12.7% | ||
| Q2 25 | -1.8% | 8.7% | ||
| Q1 25 | -3.2% | 4.4% | ||
| Q4 24 | 9.3% | 6.5% | ||
| Q3 24 | 2.5% | 8.3% | ||
| Q2 24 | 2.2% | 6.5% | ||
| Q1 24 | 9.8% | 4.9% |
| Q4 25 | $-0.03 | $0.41 | ||
| Q3 25 | $-0.03 | $0.78 | ||
| Q2 25 | $0.02 | $0.55 | ||
| Q1 25 | $-0.11 | $0.22 | ||
| Q4 24 | $-0.06 | $0.38 | ||
| Q3 24 | $0.08 | $0.48 | ||
| Q2 24 | $0.37 | $0.38 | ||
| Q1 24 | $0.00 | $0.24 |
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 | $71.3M |
| Total DebtLower is stronger | $1.8B | $181.6M |
| Stockholders' EquityBook value | $3.8B | $640.7M |
| Total Assets | $10.1B | $1.2B |
| Debt / EquityLower = less leverage | 0.48× | 0.28× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.1B | $71.3M | ||
| Q3 25 | $1.1B | $187.4M | ||
| Q2 25 | $1.0B | $121.7M | ||
| Q1 25 | $1.0B | $97.8M | ||
| Q4 24 | $1.6B | $99.2M | ||
| Q3 24 | $853.5M | $115.6M | ||
| Q2 24 | $985.9M | $94.2M | ||
| Q1 24 | $952.5M | $89.8M |
| Q4 25 | $1.8B | $181.6M | ||
| Q3 25 | $1.9B | $307.8M | ||
| Q2 25 | $1.7B | $304.4M | ||
| Q1 25 | $1.7B | $302.9M | ||
| Q4 24 | $1.7B | $302.8M | ||
| Q3 24 | $914.8M | $337.9M | ||
| Q2 24 | $914.0M | $387.6M | ||
| Q1 24 | $1.1B | $391.8M |
| Q4 25 | $3.8B | $640.7M | ||
| Q3 25 | $3.9B | $621.0M | ||
| Q2 25 | $3.9B | $575.0M | ||
| Q1 25 | $3.9B | $513.1M | ||
| Q4 24 | $3.8B | $489.1M | ||
| Q3 24 | $4.0B | $501.6M | ||
| Q2 24 | $4.1B | $451.2M | ||
| Q1 24 | $4.1B | $428.5M |
| Q4 25 | $10.1B | $1.2B | ||
| Q3 25 | $10.2B | $1.3B | ||
| Q2 25 | $10.1B | $1.3B | ||
| Q1 25 | $9.6B | $1.2B | ||
| Q4 24 | $9.7B | $1.2B | ||
| Q3 24 | $9.0B | $1.2B | ||
| Q2 24 | $9.2B | $1.2B | ||
| Q1 24 | $9.1B | $1.2B |
| Q4 25 | 0.48× | 0.28× | ||
| Q3 25 | 0.48× | 0.50× | ||
| Q2 25 | 0.44× | 0.53× | ||
| Q1 25 | 0.43× | 0.59× | ||
| Q4 24 | 0.44× | 0.62× | ||
| Q3 24 | 0.23× | 0.67× | ||
| Q2 24 | 0.22× | 0.86× | ||
| Q1 24 | 0.28× | 0.91× |
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 | $49.3M |
| Free Cash FlowOCF − Capex | $103.8M | $28.6M |
| FCF MarginFCF / Revenue | 25.0% | 8.2% |
| Capex IntensityCapex / Revenue | 0.4% | 5.9% |
| Cash ConversionOCF / Net Profit | — | 2.02× |
| TTM Free Cash FlowTrailing 4 quarters | $378.8M | $121.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.3M | $49.3M | ||
| Q3 25 | $96.9M | $76.7M | ||
| Q2 25 | $83.8M | $30.1M | ||
| Q1 25 | $99.5M | $11.7M | ||
| Q4 24 | $78.7M | $38.0M | ||
| Q3 24 | $88.6M | $76.2M | ||
| Q2 24 | $78.6M | $21.5M | ||
| Q1 24 | $66.8M | $12.6M |
| Q4 25 | $103.8M | $28.6M | ||
| Q3 25 | $95.6M | $66.1M | ||
| Q2 25 | $81.0M | $22.8M | ||
| Q1 25 | $98.4M | $4.3M | ||
| Q4 24 | $78.3M | $24.4M | ||
| Q3 24 | $88.6M | $69.7M | ||
| Q2 24 | $78.4M | $12.0M | ||
| Q1 24 | $66.8M | $8.6M |
| Q4 25 | 25.0% | 8.2% | ||
| Q3 25 | 24.1% | 18.1% | ||
| Q2 25 | 21.1% | 6.1% | ||
| Q1 25 | 27.5% | 1.4% | ||
| Q4 24 | 21.6% | 7.3% | ||
| Q3 24 | 24.7% | 20.3% | ||
| Q2 24 | 22.8% | 3.5% | ||
| Q1 24 | 20.7% | 3.0% |
| Q4 25 | 0.4% | 5.9% | ||
| Q3 25 | 0.3% | 2.9% | ||
| Q2 25 | 0.7% | 2.0% | ||
| Q1 25 | 0.3% | 2.5% | ||
| Q4 24 | 0.1% | 4.1% | ||
| Q3 24 | 0.0% | 1.9% | ||
| Q2 24 | 0.1% | 2.8% | ||
| Q1 24 | 0.0% | 1.4% |
| Q4 25 | — | 2.02× | ||
| Q3 25 | — | 1.66× | ||
| Q2 25 | — | 0.93× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | 2.35× | 1.75× | ||
| Q3 24 | 9.94× | 2.68× | ||
| Q2 24 | 10.35× | 0.95× | ||
| Q1 24 | 2.10× | 0.89× |
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% |
TILE
| AMS | $205.9M | 59% |
| EAAA | $143.5M | 41% |
