BILL
Bill.com Holdings Inc
Price:  
48.37 
USD
Volume:  
2,030,330
United States | Software

Bill.com Fair Value

-96.1 %
Upside

What is the fair value of Bill.com?

As of 2025-07-09, the Fair Value of Bill.com Holdings Inc (BILL) is 1.87 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 48.37 USD, the upside of Bill.com Holdings Inc is -96.1%.

Is Bill.com a good investment?

With the market price of 48.37 USD and our fair value calculation, Bill.com Holdings Inc (BILL) is not a good investment. Investing in Bill.com stocks now will result in a potential loss of 96.1%.

48.37 USD
Stock Price
1.87 USD
Fair Price
FAIR VALUE CALCULATION

Bill.com Fair Value

Peter Lynch's formula is:

Bill.com Fair Value
= Earnings Growth Rate x TTM EPS
Bill.com Fair Value
= 5 x 0.37
Bill.com Fair Value
= 1.87

The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.

Historical Earnings
06-202006-202106-202206-202306-20245Y Avg
Net income-31.09-98.72-326.36-223.72-28.88-142
YoY growth-325.1%-217.5%-230.6%31.4%87.1%-130.9%

Bill.com Fair Value - Peers Benchmarking

Market Cap (mil)EPS Fair Value Upside
a
Salesforce.Com Inc262,5596.5161.68-40.9%
Adobe Inc162,91116.1274.25-28.3%
Zoom Video Communications Inc23,4233.586.6411.9%
PTC Inc21,5253.791.5-48.9%
Dynatrace Inc16,8591.640.35-28.3%
Paylocity Holding Corp10,2294.1102.91-44.4%
Pegasystems Inc9,0931.25.83-89.2%
RealPage Inc9,0610.52.27-97.4%
Appfolio Inc8,7565.5136.54-43.8%
Dropbox Inc7,4731.78.61-68.5%

Bill.com Fair Value - Key Data

Market Cap (mil)4,984
P/E129.6x
Forward P/E129.6x
EPS0.37
Avg earnings growth rate-130.9%
TTM earnings38

Bill.com Fair Value - Formula's Origin

Peter Lynch is one of the most legendary investors/fund managers of all time. His philosophy for stock investing is very simple and straightforward: he invests in stocks that are undervalued, meaning its P/E is less than or equal to its earnings growth rate. He believes that if a stock is trading at its fair value, the PEG ratio, which was also invented by him, should be 1.

Therefore, his formula to determine a company's fair value is:

Peter Lynch Fair Value = Earnings Growth Rate * EPS * PEG

PEG is set to 1 so we can ignore it in the calculation. Based on the formula, if the earnings growth rate of a company is 15%, Peter Lynch is willing to buy its share up to P/E = 15.