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Companies · BILL

BILL Reported this cycle

Bill.com

San Jose, CA Founded 2006 Fintech & Payments

AI-generated · informational only · not investment advice · verify before relying.

Revenue

$1.7B

BILL 10-K · FY 2026

Employees

1,683

Revenue growth YoY

+13%

Founded

2006

Profile

BILL 10-K Item 1 · Aug 20, 2026

BILL Holdings is an AI-powered financial operations platform serving nearly half a million small and midsize businesses, automating accounts payable, accounts receivable, spend and expense management, and payments. The platform processes over $371 billion in annual payment volume and connects more than 9.2 million network members. Revenue is generated through subscription fees, transaction fees, and interest on customer funds held.

Read filing description ↓

BILL is the intelligent finance platform trusted by nearly half a million businesses and their accountants to manage, move, and maximize their money. BILL powers businesses ranging from fast-moving startups to growing companies with complex operations. We use artificial intelligence (AI) to deliver strategic finance capabilities in one integrated platform that includes accounts payable (AP), accounts receivable (AR), expenses, forecasting, procurement, and more. With more than 9 million network members, our platform's total payment volume represents over 1% of U.S. gross domestic product. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and software providers. Our platform creates seamless connections between our customers, their suppliers, and their clients. Businesses on our platform generate and process invoices, streamline approvals, make and receive payments, manage employee expenses, sync with their accounting system, foster collaboration, and manage their cash flow. We have built sophisticated integrations with popular software solutions, banks, card issuers, and payment processors, enabling our customers to access these mission-critical services quickly and easily. Our integrated platform also includes BILL Spend and Expense, our spend and expense management product, which provides a solution for businesses to have charge cards, build and monitor budgets, manage payments, and eliminate the need for manual expense reports. In fiscal 2026, we launched BILL AI, including our first suite of AI agents, which are designed to simplify and accelerate small and midsize business (SMB) workflows.

Primary products

  • Accounts Payable Automation
  • Accounts Receivable Automation
  • BILL Spend and Expense
  • BILL Divvy Card
  • BILL AI (AI agents)
  • BILL Travel

Business segments

BILL AP/AR BILL Spend and Expense Embedded Solutions and Other

End markets

Small and medium-sized businesses Accounting firms Financial institutions Software providers

Geographies

United States Canada International (cross-border payments to over 130 countries)

Named customers

Paychex Oracle NetSuite Acumatica
“We differentiate ourselves from our competitors by offering a comprehensive portfolio of intelligent financial back-office solutions that handle all of these core cash flow, expense, and financing activities end-to-end.” Competitive position, as stated in the filing

Revenue commentary · FY 2026

Total revenue increased by $190.6 million, or 13%, during fiscal 2026 compared to fiscal 2025, driven primarily by an $182.5 million increase in transaction fees and a $21.4 million increase in subscription fees, partially offset by a $13.4 million decline in interest on funds held for customers.

The rest of BILL is for subscribers

Analysis, signals, diligence answers, M&A activity and every quote, each citing the filing it came from.

SeventhBiz analysis 6 signals 9 diligence answers SWOT