BTIG reiterates Buy rating on Bill.com stock ahead of earnings report

Published 21/08/2025, 11:28
BTIG reiterates Buy rating on Bill.com stock ahead of earnings report

Investing.com - BTIG has reiterated its Buy rating and $60.00 price target on Bill.com Holdings Inc. (NYSE:BILL), currently trading at $41.65 with a market cap of $4.3 billion, ahead of the company’s fourth-quarter fiscal year 2025 earnings report scheduled for next Wednesday. According to InvestingPro data, the stock appears undervalued based on its Fair Value analysis, with analyst targets ranging from $49 to $89.

BTIG expects Bill.com to issue fiscal year 2026 core revenue guidance of approximately 15% growth, slightly below the current consensus estimate of 15.6%. This projected growth rate would be comparable to the estimated 15.3% growth in FY25 and 12.8% in Q4FY25. The company has demonstrated strong operational efficiency with an impressive gross profit margin of 84.52% in the last twelve months.

The research firm notes that Bill.com management has recently indicated that its small and medium-sized business clients are beginning to experience macroeconomic pressure, particularly in the wholesale, construction, and non-profit sectors. Transaction (JO:NTUJ) payment volume per customer is expected to decline approximately 2% year-over-year.

Despite these challenges, BTIG anticipates Bill.com’s FY26 core revenue guidance could surprise to the upside, driven by pricing initiatives, improved supplier experiences to increase ad valorem payment adoption, and cross-selling opportunities. The firm also expects customer additions to remain resilient as Bill.com continues to address its large total addressable market.

Bill.com remains BTIG’s small-cap Top Pick, with the firm maintaining its Buy rating and $60 price target on the financial software company’s stock. InvestingPro subscribers can access 10 additional investment tips for BILL, including detailed insights on the company’s financial health (rated as GOOD) and comprehensive valuation metrics. Get the full analysis in the Pro Research Report, available exclusively on InvestingPro.

In other recent news, Bill.com Holdings Inc. has been navigating several significant developments. Xero Limited’s acquisition of payment platform Melio for $2.5 billion, with an additional $0.5 billion contingent consideration, has impacted Bill.com. Analysts at Keefe, Bruyette & Woods reiterated their Market Perform rating with a $54.00 price target, while Needham maintained a Buy rating with a $75.00 price target, noting the acquisition’s minimal near-term impact on Bill.com. Citi also maintained a buy rating, highlighting the scarcity value of SMB B2B payments and suggesting that Bill.com remains a dominant player in the space. However, Morgan Stanley (NYSE:MS) downgraded Bill.com from Overweight to Equalweight, lowering the price target to $55, citing reduced conviction in SMB spending trends and monetization strategies. Additionally, Bill.com announced a leadership change with Rohini Jain set to become the new Chief Financial Officer, as John Rettig transitions to President and Chief Operating Officer. Keefe, Bruyette & Woods reaffirmed their Market Perform rating following this announcement. These developments come as Bill.com continues to adapt to changes in the competitive landscape.

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