BILL Holdings

BILL Cloud & Enterprise Software 1/10 Low Risk
1/10
↓ 5 → 1 over 9 weeks
Sector avg: 1.7/10
▼
Risk Score Decreased
5/10 → 1/10

Risk level moved from Medium Risk to Low Risk. Score changed by 4 points as of 2026-05-10. Driver-level breakdown unavailable for this change — likely because the company's reported financial concepts shifted between filings (e.g. a 10-Q omitting a tag the 10-K used) or the scoring methodology was updated. Compare the metrics table below against prior periods on EDGAR for context.

BILL Holdings carries $1.8B in long-term debt, with $1.5B in scheduled principal maturities. BILL shows negative interest coverage (-5.3x), indicating operating losses exceed interest costs. DebtCanary scores BILL at 1/10, suggesting manageable refinancing risk.

Maturity Schedule

Year 1 $0 Year 2 $0 Year 3 $0 Year 4 $0 Year 5 $0 Beyond 5 $1.5B
Period Amount Due % of Total
Year 1 (0-12 months) N/A N/A
Year 2 (12-24 months) N/A N/A
Year 3 (24-36 months) N/A N/A
Year 4 (36-48 months) N/A N/A
Year 5 (48-60 months) N/A N/A
Beyond 5 Years $1.5B 100.0%
Total Scheduled Maturities $1.5B 100.0%

Key Metrics

Total Long-Term Debt
$1.8B
Near-Term (12mo)
N/A
Interest Coverage
-5.3x
Debt/Equity
0.48
Cash Coverage
N/A
Operating Income
-$81M
EBITDA
-$53M
EBITDA / Interest
-3.5x

Score Components

Component Value Weight
Near-Term Maturity Concentration N/A 30%
Interest Coverage Ratio -5.3x 25%
Debt-to-Equity Ratio 0.48 25%
Cash Coverage of Near-Term Debt N/A 20%

Recent SEC Filings

Material disclosures from BILL Holdings's most recent EDGAR filings. 8-K item labels indicate the type of event reported.

Date Form Details
2026-05-08 10-Q Quarterly report
2026-05-07 8-K Earnings Results, Restructuring Costs, Reg FD Disclosure
2026-03-16 8-K Officer / Director Change
2026-02-06 10-Q Quarterly report
2026-02-05 8-K Earnings Results
2026-01-26 8-K Officer / Director Change
2025-12-16 8-K Officer / Director Change
2025-12-11 8-K Shareholder Vote

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Data Source: Financial data sourced from SEC EDGAR XBRL filings (10-K annual reports). Fiscal period end: 2026-03-31. Filing date: 2026-05-08. Data last fetched: 2026-05-10. Maturity schedules reflect the company's most recently reported debt repayment obligations. Data quality: Partial.
View SEC EDGAR filings for BILL Holdings →