Compared to Estimates, BILL Holdings (BILL) Q4 Earnings: A Look at Key Metrics

BILL Holdings (BILL) reported fourth-quarter revenue of $436.19 million for the quarter ended June 2026, up 13.8% year over year. EPS was $0.84, compared with $0.53 a year earlier. Revenue exceeded the Zacks Consensus Estimate of $429.71 million by 1.51%, while EPS surpassed the $0.69 consensus by 21.74%. Customer metrics were weaker than expected. BILL AP/AR customers totaled 183,300, versus the three-analyst average estimate of 185,163. Spend & Expense spending businesses totaled 46,500, compared with 47,208 expected. Embedded Solutions & Other customers reached 249,500, below the 265,033 estimate. Total businesses using solutions were 479,300, versus 497,405 forecast. Subscription and transaction fees generated $400.48 million, above the five-analyst estimate of $396.01 million and up 15.8% year over year. Interest on funds held for customers was $35.7 million, exceeding the $34.36 million estimate but declining 4.5% year over year. Subscription fees totaled $76.2 million, essentially matching the four-analyst estimate of $76.11 million and increasing 10.7% year over year. Transaction fees were $324.3 million, above the $319.41 million estimate and up 17%. Within the categories, BILL AP/AR subscription fees were $61.4 million, versus $62.06 million expected. Embedded and Other Solutions subscription fees were $14.8 million, above the $13.63 million estimate. BILL AP/AR transaction fees were $131.1 million, below the $132.9 million estimate, while Embedded and Other Solutions subscription and transaction fees reached $23.5 million, above the $21.13 million estimate. BILL shares returned 11.1% over the past month, versus a 3.3% gain for the Zacks S&P 500 composite. However, the stock carries a Zacks Rank #4 (Sell), signaling potential near-term underperformance. Zacks also promotes its “7 Best Stocks for the Next 30 Days” report.