vs
Side-by-side financial comparison of BILL Holdings, Inc. (BILL) and TTEC Holdings, Inc. (TTEC). Click either name above to swap in a different company.
TTEC Holdings, Inc. is the larger business by last-quarter revenue ($570.0M vs $414.7M, roughly 1.4× BILL Holdings, Inc.). BILL Holdings, Inc. runs the higher net margin — -0.6% vs -29.9%, a 29.3% gap on every dollar of revenue. On growth, BILL Holdings, Inc. posted the faster year-over-year revenue change (14.4% vs 0.4%). BILL Holdings, Inc. produced more free cash flow last quarter ($103.8M vs $-9.2M). Over the past eight quarters, BILL Holdings, Inc.'s revenue compounded faster (13.3% CAGR vs -0.6%).
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.
TTEC Holdings, Inc., is an American customer experience technology and services company with its primary place of business in Austin, Texas.
BILL vs TTEC — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $414.7M | $570.0M |
| Net Profit | $-2.6M | $-170.5M |
| Gross Margin | 79.8% | — |
| Operating Margin | -4.4% | -30.3% |
| Net Margin | -0.6% | -29.9% |
| Revenue YoY | 14.4% | 0.4% |
| Net Profit YoY | -107.7% | -3791.9% |
| EPS (diluted) | $-0.03 | $-3.57 |
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 | $570.0M | ||
| Q3 25 | $395.7M | $519.1M | ||
| Q2 25 | $383.3M | $513.6M | ||
| Q1 25 | $358.2M | $534.2M | ||
| Q4 24 | $362.6M | $567.4M | ||
| Q3 24 | $358.4M | $529.4M | ||
| Q2 24 | $343.7M | $534.1M | ||
| Q1 24 | $323.0M | $576.6M |
| Q4 25 | $-2.6M | $-170.5M | ||
| Q3 25 | $-3.0M | $-13.4M | ||
| Q2 25 | $-7.1M | $-8.0M | ||
| Q1 25 | $-11.6M | $1.4M | ||
| Q4 24 | $33.5M | $4.6M | ||
| Q3 24 | $8.9M | $-21.1M | ||
| Q2 24 | $7.6M | $-299.5M | ||
| Q1 24 | $31.8M | $-2.3M |
| 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 24 | 83.0% | — |
| Q4 25 | -4.4% | -30.3% | ||
| Q3 25 | -5.2% | 2.4% | ||
| Q2 25 | -5.8% | 3.7% | ||
| Q1 25 | -8.1% | 4.5% | ||
| Q4 24 | -6.0% | 2.7% | ||
| Q3 24 | -2.1% | 2.4% | ||
| Q2 24 | -6.5% | -42.0% | ||
| Q1 24 | -8.6% | 3.9% |
| Q4 25 | -0.6% | -29.9% | ||
| Q3 25 | -0.7% | -2.6% | ||
| Q2 25 | -1.8% | -1.6% | ||
| Q1 25 | -3.2% | 0.3% | ||
| Q4 24 | 9.3% | 0.8% | ||
| Q3 24 | 2.5% | -4.0% | ||
| Q2 24 | 2.2% | -56.1% | ||
| Q1 24 | 9.8% | -0.4% |
| Q4 25 | $-0.03 | $-3.57 | ||
| Q3 25 | $-0.03 | $-0.28 | ||
| Q2 25 | $0.02 | $-0.17 | ||
| Q1 25 | $-0.11 | $0.03 | ||
| Q4 24 | $-0.06 | $0.05 | ||
| Q3 24 | $0.08 | $-0.44 | ||
| Q2 24 | $0.37 | $-6.30 | ||
| Q1 24 | $0.00 | $-0.05 |
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 | $82.9M |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $3.8B | $112.9M |
| Total Assets | $10.1B | $1.5B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.1B | $82.9M | ||
| Q3 25 | $1.1B | $73.5M | ||
| Q2 25 | $1.0B | $82.6M | ||
| Q1 25 | $1.0B | $85.1M | ||
| Q4 24 | $1.6B | $85.0M | ||
| Q3 24 | $853.5M | $96.9M | ||
| Q2 24 | $985.9M | $79.8M | ||
| Q1 24 | $952.5M | $91.5M |
| 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 24 | $1.1B | — |
| Q4 25 | $3.8B | $112.9M | ||
| Q3 25 | $3.9B | $280.8M | ||
| Q2 25 | $3.9B | $295.2M | ||
| Q1 25 | $3.9B | $281.5M | ||
| Q4 24 | $3.8B | $268.1M | ||
| Q3 24 | $4.0B | $295.1M | ||
| Q2 24 | $4.1B | $304.2M | ||
| Q1 24 | $4.1B | $612.4M |
| Q4 25 | $10.1B | $1.5B | ||
| Q3 25 | $10.2B | $1.7B | ||
| Q2 25 | $10.1B | $1.7B | ||
| Q1 25 | $9.6B | $1.7B | ||
| Q4 24 | $9.7B | $1.8B | ||
| Q3 24 | $9.0B | $1.8B | ||
| Q2 24 | $9.2B | $1.8B | ||
| Q1 24 | $9.1B | $2.1B |
| 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× | — | ||
| 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 | $2.6M |
| Free Cash FlowOCF − Capex | $103.8M | $-9.2M |
| FCF MarginFCF / Revenue | 25.0% | -1.6% |
| Capex IntensityCapex / Revenue | 0.4% | 2.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $378.8M | $83.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.3M | $2.6M | ||
| Q3 25 | $96.9M | $4.2M | ||
| Q2 25 | $83.8M | $92.7M | ||
| Q1 25 | $99.5M | $21.6M | ||
| Q4 24 | $78.7M | $-1.1M | ||
| Q3 24 | $88.6M | $-91.4M | ||
| Q2 24 | $78.6M | $49.3M | ||
| Q1 24 | $66.8M | $-15.6M |
| Q4 25 | $103.8M | $-9.2M | ||
| Q3 25 | $95.6M | $-9.6M | ||
| Q2 25 | $81.0M | $85.5M | ||
| Q1 25 | $98.4M | $16.2M | ||
| Q4 24 | $78.3M | $-9.8M | ||
| Q3 24 | $88.6M | $-100.2M | ||
| Q2 24 | $78.4M | $35.1M | ||
| Q1 24 | $66.8M | $-29.1M |
| Q4 25 | 25.0% | -1.6% | ||
| Q3 25 | 24.1% | -1.8% | ||
| Q2 25 | 21.1% | 16.7% | ||
| Q1 25 | 27.5% | 3.0% | ||
| Q4 24 | 21.6% | -1.7% | ||
| Q3 24 | 24.7% | -18.9% | ||
| Q2 24 | 22.8% | 6.6% | ||
| Q1 24 | 20.7% | -5.0% |
| Q4 25 | 0.4% | 2.1% | ||
| Q3 25 | 0.3% | 2.7% | ||
| Q2 25 | 0.7% | 1.4% | ||
| Q1 25 | 0.3% | 1.0% | ||
| Q4 24 | 0.1% | 1.5% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.1% | 2.7% | ||
| Q1 24 | 0.0% | 2.3% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 15.60× | ||
| Q4 24 | 2.35× | -0.24× | ||
| Q3 24 | 9.94× | — | ||
| Q2 24 | 10.35× | — | ||
| 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% |
TTEC
| Ttec Engage | $444.5M | 78% |
| Ttec Digital | $125.5M | 22% |
