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BILL Holdings (BILL) investor relations material

BILL Holdings Citi's 14th Annual FinTech Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Citi's 14th Annual FinTech Conference summary18 Nov, 2025

Leadership background and strategic focus

  • New CFO brings extensive experience from GE, eBay, Walmart, and PayPal, joining at a pivotal time for growth and transformation.

  • Attracted by a diversified, sticky business model and a strong team.

Growth and profitability initiatives

  • Aims to balance robust revenue growth and profitability expansion, focusing on initiatives outlined in recent earnings guidance.

  • Key growth drivers include embedded partnerships, AI integration, and moving upmarket to higher-value customers.

  • Profitability expansion is pursued through sustainable revenue sources and cost optimization.

Market environment and customer trends

  • SMB spend has stabilized after a post-pandemic step-down, with resilience across industries.

  • Monitoring metrics like TPV per customer and same-store sales to track stability and growth.

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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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Eferix Drawings Google Play
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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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