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Bill Com Holdings Inc (BILL) — chart, structure and Closelooknet read

The Closelooknet read

Bill.com runs a financial-operations platform for small and midsize businesses that combines payments, accounts payable, accounts receivable and expense management in one system. Its Spend and Expense suite lets firms issue charge cards, set budgets and track spending without manual expense reports, and it moves payments through ACH, card, real-time and cross-border rails alongside lending and deposit products.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for BILL, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 3 macro readings: Money Temperature, Factor regime, Sovereign pressure

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 47/100 · S&P 500 fund at 48, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-06
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 60th percentile of the window, -22.8% over 20 sessions. Factor regime → 2026-11-06
  • Sovereign pressure Index -2.05 · down 2.95 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-05
How it trades on rate days beta 0.93 to TLT · on the worst bond days it moved with the market

How it trades on rate days

How BILL has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.93 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), Bill Com Holdings Inc moved 0.93% on average · correlation 0.14 · higher than 80% of US names
  • Beta, last 3 months 1.12 about the same as over the year
  • On the 10 worst bond days −0.70% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days −2.07% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Software - Application · United States · 8 names with week and year-to-date

Peer group

Software - Application · United States

This name carries no Closelooknet score, so its cohort ranks on trend state — distance to the 50- and 200-day averages — never on a score it does not have.

Compared against BILL on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Bill Com Holdings Inc

BILL in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Bill.com runs a financial-operations platform for small and midsize businesses that combines payments, accounts payable, accounts receivable and expense management in one system. Its Spend and Expense suite lets firms issue charge cards, set budgets and track spending without manual expense reports, and it moves payments through ACH, card, real-time and cross-border rails alongside lending and deposit products. An AI layer within the platform links suppliers to clients, and the company also sells its technology through accounting firms, banks and software partners. It is based in San Jose, California, and lists in the United States.
Where it sits in the stack
Bill.com carries no seat in our AI build-out index; it sits instead in the software and fintech sleeve of our wider universe, serving back-office payment workflows rather than compute or chip infrastructure.
Who it is priced against
Our diary has not fixed a peer group for Bill.com; the comparison the market most often draws is with Intuit, whose QuickBooks ecosystem competes for the same small-business back office.
Why Closelooknet tracks it
Bill.com is a Russell 1000 constituent but carries no Closelooknet score and no index seat in our build-out index, so the diary has not yet built coverage beyond noting its place in the wider universe.
What the diary watches
Whether small-business adoption of automated payment and expense tools keeps expanding, and whether larger accounting-software incumbents fold similar features into their own platforms.

Bill Com Holdings Inc (BILL) trades on US exchanges.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 7 analyst actions on the wire · latest: price target by Truist, 2026-09-01

The Street on this name

Analyst actions and the latest print for BILL from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Truist — target 52 from 44 Target raised to $52 from $44 (+5.6% to spot) 2026-09-01
  • Price target Wolfe Research — target 60 from 57 Target raised to $60 from $57 (+24.6% to spot) 2026-08-25
  • Price target BMO Capital — target 55 from 46 Target raised to $55 from $46 (+15.9% to spot) 2026-08-20

7 actions on the analyst wire since 2026-08-13: 7 target changes. Analyst wire → · Earnings wire →

FAQ · from the current data · as of 2026-11-06

Quick answers

What is Bill Com Holdings Inc (BILL)?

Bill Com Holdings Inc trades as BILL on the US exchange (United States) in the Closelooknet research universe, as of the registry build of 2026-11-06.

Is BILL in a Closelooknet index?

Not currently — Bill Com Holdings Inc is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-06.

Where does BILL trade against its moving averages?

Bill Com Holdings Inc trades 7.8% above its 50-day and 19.4% above its 200-day moving average (5.9% above its 20-day). As of 2026-11-05 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does Bill Com Holdings Inc compare with its peers?

Against its peer group (Software - Application · United States), Bill Com Holdings Inc (BILL) sits 11.0% below its 52-week high, 7.8% above its 50-day average; Uber Technologies Inc (UBER) is 27.9% below, Procore Technologies Inc (PCOR) is 8.2% below, Bentley Systems Inc (BSY) is 10.6% below, as of 2026-11-05. Put any of them next to BILL in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Bill Com Holdings Inc trade when bond yields rise?

Over the past year Bill Com Holdings Inc had a beta of 0.93 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 80% of US names. On the 10 sessions in which long bonds fell most it moved −0.70% on average, against −0.74% for the S&P 500. As of 2026-11-05; The "How it trades on rate days" block on this page carries the lines.

What does Bill Com Holdings Inc do?

Bill.com runs a financial-operations platform for small and midsize businesses that combines payments, accounts payable, accounts receivable and expense management in one system. Its Spend and Expense suite lets firms issue charge cards, set budgets and track spending without manual expense reports, and it moves payments through ACH, card, real-time and cross-border rails alongside lending and deposit products. An AI layer within the platform links suppliers to clients, and the company also sells its technology through accounting firms, banks and software partners. Our diary has not fixed a peer group for Bill.com; the comparison the market most often draws is with Intuit, whose QuickBooks ecosystem competes for the same small-business back office. (Company snapshot of 2026-09-17.)

Where does Bill Com Holdings Inc sit in the AI build-out?

Bill.com carries no seat in our AI build-out index; it sits instead in the software and fintech sleeve of our wider universe, serving back-office payment workflows rather than compute or chip infrastructure. Bill.com is a Russell 1000 constituent but carries no Closelooknet score and no index seat in our build-out index, so the diary has not yet built coverage beyond noting its place in the wider universe. (Company snapshot of 2026-09-17.)

What has Wall Street done on Bill Com Holdings Inc recently?

The most recent analyst action on Bill Com Holdings Inc on the Closelooknet wire is a price target by Truist on 2026-09-01 (target 52 from 44). 7 actions on the analyst wire since 2026-08-13: 7 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for BILL, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Software - Application. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.