Technology
EPS
+16.88% surprise
Revenue
-0.68% surprise
Numbers from the BILL earnings press release. The SEC 10-Q filing usually lands within a week — full AI analysis is generated automatically once it does.
BILL delivered strong Q3 FY2026 results with revenue up 13.5% YoY to $406.6M, swinging to net income of $12.8M from a prior-year loss, and operating margin nearly reaching breakeven at -0.1%.
Key risk: High Leverage Relative to Equity
BILL's debt-to-equity ratio stands at 1.65x, with long-term debt of $1.83B growing 9.2% YoY. This elevated leverage increases financial risk, particularly if revenue growth slows or interest rates remain elevated, potentially constraining future capital allocation flexibility.