Morgan Stanley cuts Bill.com stock rating, lowers price target

Published 11/06/2025, 08:56
Morgan Stanley cuts Bill.com stock rating, lowers price target

On Wednesday, Morgan Stanley (NYSE:MS) analysts downgraded Bill.com Holdings Inc. (NYSE: NYSE:BILL) from an Overweight rating to Equalweight. The change in rating was accompanied by a revised price target, now set at $55, down from the previous target of $60. According to InvestingPro data, the company maintains a strong financial position, holding more cash than debt on its balance sheet, with liquid assets exceeding short-term obligations.

The analysts cited a reassessment of their previous thesis, which was based on improving small and medium-sized business (SMB) spending trends, a better monetization strategy, and an undemanding valuation. They noted a reduced conviction in these elements in the near term, prompting the downgrade. The stock has taken a significant hit over the last six months, though it currently trades at a high P/E ratio relative to near-term earnings growth.

Despite the downgrade, Morgan Stanley analysts expressed a positive long-term outlook for Bill.com. They see potential for the company to expand and monetize its software platform, which they believe is currently underappreciated by investors. InvestingPro data reveals that 14 analysts have revised their earnings upwards for the upcoming period, with net income expected to grow this year. Discover 10+ additional exclusive insights and detailed analysis available on InvestingPro.

The analysts highlighted a favorable risk-reward scenario, with a bull-bear skew of 2:1. They see limited downside due to the company’s undemanding valuation and suggest that any signs of growth improvement could lead to significant multiple expansion.

Bill.com Holdings Inc. operates as a provider of cloud-based software that simplifies and automates back-office financial operations for small and midsize businesses.

In other recent news, Bill.com Holdings Inc. reported its third-quarter financial results for 2025, surpassing analyst expectations with an earnings per share (EPS) of $0.50, compared to the forecasted $0.37. The company achieved a total revenue of $358 million, slightly above the anticipated $356.65 million. The report highlighted an 11% year-over-year revenue growth, driven by strategic product expansions and enhancements in their core services. Bill.com anticipates further revenue growth in the fourth quarter, with projections between $370.5 million and $380.5 million.

In a strategic leadership move, Bill.com announced the appointment of Rohini Jain as the new Chief Financial Officer, effective July 7. This change is part of the company’s strategy to bolster growth and leadership in the market. Meanwhile, Keefe, Bruyette & Woods reaffirmed their Market Perform rating for Bill.com, maintaining a $54.00 price target following the CFO transition.

Additionally, BMO Capital Markets raised its price target for Bill.com to $52.00 from $47.00, citing potential growth catalysts such as pricing actions and new product offerings. Conversely, Evercore ISI reduced its price target to $50.00 from $65.00, reflecting concerns over changing fiscal policies and their impact on small and medium-sized business spending. These developments reflect the ongoing adjustments and strategic positioning within Bill.com amid broader economic conditions.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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