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BILL Holdings
BILL Holdings (BILL) investor relations material
BILL Holdings Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary5 Feb, 2026
Executive summary
Q2 FY26 core revenue grew 17% year-over-year to $375.1M, with total revenue up 14% to $414.7M, driven by increased transaction volume and strong platform adoption, including AI-driven automation.
The platform served nearly 500,000 customers and over 8 million network members, processing $95B in payment volume and 35M transactions in Q2.
Non-GAAP operating income was $74.1M, non-GAAP net income $73.4M, and non-GAAP operating margin expanded to 18%.
The company completed a 6% workforce reduction to improve efficiency and profitability.
Strategic focus on integrated platform growth, market expansion, and AI innovation is yielding tangible results.
Financial highlights
Q2 core revenue reached $375.1M, up 17% year-over-year; total revenue was $414.7M, up 14%; AP/AR core revenue was $185.9M, Spend & Expense $166.5M, Embedded & Other $22.8M.
Non-GAAP gross margin was 83.9%, GAAP gross margin 79.8%, and non-GAAP operating margin 17.9%.
Free cash flow for Q2 was $91.1M, with a margin of 22%.
Repurchased $133M of stock during the quarter.
Float revenue declined 8% year-over-year to $39.5M.
Outlook and guidance
Q3 FY26 revenue guidance: $397.5M–$407.5M; core revenue $364.5M–$374.5M; non-GAAP operating income $62.5M–$67.5M; non-GAAP net income $60.5M–$64.5M; EPS $0.53–$0.57.
FY26 guidance: total revenue $1.631B–$1.651B, core revenue $1.489B–$1.509B, non-GAAP operating income $274M–$286.5M, non-GAAP EPS $2.33–$2.41.
Stock-based compensation for FY26 expected at $255M, below prior guidance.
Guidance reflects cautious optimism amid macroeconomic uncertainty and competitive pressures.
Planned investments in platform development, AI, and international expansion.
How many unique businesses use BILL solutions?
Reconcile gross margin decline with CFO comments.
How does AI eliminate unnecessary workflows?
AI's long-term impact on BILL's pricing model
Strategic review: When will cost benefits materialize?
Invoice financing: Strongest product market fit areas?
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Latest summaries
- TimeTickerHeadlineOpen
- 6 FebMGY
Record production, strong free cash flow, and disciplined capital returns defined 2025. - 6 FebQNST
Record Q2 revenue, $50.2M net income, HomeBuddy acquisition, and AI drive growth. - 6 FebOPGN
Shareholders will vote on seven key proposals, including a new equity plan and company name change. - 6 FebCDP
2025 FFO/share up 5.8% with strong leasing; 2026 outlook positive amid record defense spending. - 6 FebVTR
2025 saw double-digit SHOP NOI and FFO growth, a raised dividend, and $2.5B in investments. - 6 FebREG
2025 delivered record NOI and FFO growth, with 2026 guidance projecting further gains. - 6 FebMNTS
All stock issuance proposals passed except the share increase, which was not approved. - 6 FebCPT
2025 beat guidance; 2026 sees lower FFO, Sun Belt focus, and major asset sales with share repurchases. - 6 FebKOG
Record growth, robust backlog, and a NOK 5.70 dividend proposal drive future expansion. - 6 FebTSBK
Net income rose 19.8% to $8.22M, with higher margins, strong capital, and a dividend increase.
Next BILL Holdings earnings date
Q3 20267 May, 2026
BILL Holdings
Next BILL Holdings earnings date
Q3 20267 May, 2026
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One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
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Frequently asked questions
Helping businesses automate their processes
Bill.com is a financial technology company that provides cloud-based software solutions for businesses to automate their accounts payable and accounts receivable processes.
The company's software integrates with popular accounting software and financial institutions to help businesses streamline their financial operations. Some of Bill’s competitors are AvidXchange and Expensify.
The main business segments
Bill.com operates through two main business segments: Subscription and Transaction Fees. The Subscription segment provides access to the company's software and related services, while the Transaction Fees segment generates revenue from payment processing and related services.
Interesting facts about Bill.com
Bill.com was founded in 2006 and is headquartered in San Jose, California. The company serves over 400,000 customers and processed over $100 billion in payments in the fiscal year 2021.
Bill.com has also entered into partnerships with major financial institutions, including American Express and Bank of America, to expand its reach and capabilities.
An interesting fact about Bill.com is that the company recently acquired Divvy, a spend management platform for businesses, in a deal worth $2.5 billion.
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