财务表现 - BILL Holdings (BILL)报告2024财年第二季度每股收益为63美分，超出Zacks共识预期53.66%，同比增长50%[1] - 收入为3.185亿美元，同比增长22.5%，大幅超过共识预期的2.97亿美元[2] - BILL在报告季度处理了750亿美元的总支付金额（TPV），同比增长11.3%[3] - 消费和支出TPV同比增长27.3%至42亿美元[4] - BILL独立客户同比增长18%至21.56万户[5] 收入来源 - 核心收入（订阅和交易费用）为2.75亿美元[6] - 小型至中型企业、会计公司、消费企业和其他收入为2.698亿美元，同比增长22.4%[9] - 从金融机构获得的收入同比下降52.3%至510万美元[10] 费用和利润 - 非GAAP毛利润为2.737亿美元，同比增长21.4%[12] - 调整后的研发费用为5990万美元，同比增长16.2%[13] - BILL报告非GAAP运营收入为4.43亿美元，同比增长44.1%[14] 现金流和展望 - 截至2023年12月31日，现金及现金等价物和短期投资为25.5亿美元[15] - 2024财年第二季度经营现金流为7.97亿美元[16] - 对于2024财年第三季度，BILL预计收入在2.99亿美元至3.09亿美元之间，年增长率为10-13%[17]

BILL (NYSE: BILL) Investor Deck Safe harbor This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are statements other than statements of historical facts, and statements in the future tense. Forward-looking statements are based on our expectations as of the date of this presentation and are subject to a number of risks, uncertainties and assumptions, many of which involve factors or circumstances that are beyond our control. ...

财务数据和关键指标变化 - 公司Q2总收入为3.18亿美元,同比增长22% [41] - 核心收入(包括订阅和交易收入)为2.75亿美元,同比增长19% [41] - 非GAAP毛利率为86%,非GAAP净利润为7300万美元,同比增长48% [41][42] - 非GAAP净利润率为23%,同比提升4个百分点 [42] - 自由现金流为7400万美元,现金流率为23% [42] 各条业务线数据和关键指标变化 - 订阅收入为6300万美元,同比增长3% [43] - 交易收入为2.12亿美元,同比增长25% [43] - 总支付量(TPV)为750亿美元,同比增长11% [44] - BILL独立TPV同比增长10%,优于第一季度的7% [44] - BILL Spend and Expense卡支付量为42亿美元,同比增长28% [44] - BILL独立客户同比增长18%,净新增客户为10,100家 [45] - BILL Spend and Expense业务客户同比增长28%,净新增900家 [45] 各个市场数据和关键指标变化 - 公司继续与银行合作,通过银行渠道新增6,200家客户 [45] - 公司正在与银行合作,拓展对银行现有客户的服务 [80][81] - 公司正在加强与会计师事务所的合作,在半年内新增约600家会计师事务所 [33] 公司战略和发展方向及行业竞争 - 公司致力于成为中小企业的核心财务运营平台 [9][11] - 公司正在加强平台的集成性,提升客户体验 [30][31] - 公司正在拓展生态系统,与会计师事务所和金融机构等合作伙伴深化合作 [32][33][34] - 公司正在加强支付产品的创新和国际化拓展 [35][36][39][40] - 公司正在优化内部运营,提高效率和盈利能力 [49][50][51] 管理层对经营环境和未来前景的评论 - 尽管宏观环境充满挑战,但公司的业务模式和平台价值依然很强 [10] - 当中小企业支出恢复增长时,公司将处于有利位置推动强劲增长 [10] - 公司看好未来发展前景,有多个增长动力支撑 [58][59] - 公司将继续专注于平台整合、生态系统拓展和支付产品创新等关键领域 [28][29][35] 问答环节重要的提问和回答 问题1 **Brent Bracelin 提问** 询问公司对未来增长的预期和驱动因素 [62][63] **Rene Lacerte 回答** 公司有三大重点:推动统一平台的采用、拓展生态系统、增强支付体验 [64] 问题2 **Andrew Schmidt 提问** 询问公司支付交易费率的走势 [67][68][69] **John Rettig 回答** 公司正采取措施提升支付交易费率,但短期内仍面临一些压力 [69][120] 问题3 **William Nance 提问** 询问公司业务的周期性和结构性因素 [110][111][112][113] **Rene Lacerte 和 John Rettig 回答** 公司有多项结构性增长动力,但短期内仍受到一些周期性因素影响 [111][112]

财务表现 - 公司截至2023年12月的季度报告显示，营收为3.185亿美元，同比增长22.5%[1] - 公司每股收益为0.63美元，较去年同期的0.42美元有所增长[1] - 公司的营收超出了Zacks Consensus Estimate的296.62亿美元，出乎意料的增长了7.38%[2] - 公司的每股收益也超出了预期，增长了53.66%[2] - 公司的关键指标在过去季度表现良好，包括总支付金额、处理的交易数量和订阅费用等[5][6][7] - 公司的利息收入也有所增长，同比增长了50.5%[8] 市场表现 - 公司的股票在过去一个月中表现不佳，相比Zacks S&P 500综合指数的+6.5%变化，股价下跌了1.9%[9] 投资者关注点 - 投资者通常关注公司的营收和盈利变化，以及与华尔街预期的比较，以确定下一步的操作[3]

Shares of Bill Holdings Inc. seesawed in after-hours trade on Thursday, as strong quarterly results ran up against questions about the business-assistance software platform’s more upbeat profit outlook following steep cuts two months ago, amid continued caution on spending among its small-business customers. Shares were down 3.6% after hours, after initially jumping 15% following the closing bell. Shares of Bill are down 24.2% over the past 12 months. For its full year, which ends on June 30, Bill said it e ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _____________________ FORM 10-Q _____________________ (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2023 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 001-39149 _____________________ BILL HOLDINGS, INC. (Exact name of ...

Wall Street expects a year-over-year decline in earnings on higher revenues when BILL Holdings (BILL) reports results for the quarter ended December 2023. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The earnings report, which is expected to be released on February 8, 2024, might help the stock move higher if these key numbers are better tha ...

Adyen's embedded financial product suite now supports BILL's card products and services for its AP and AR solutions AMSTERDAM, Feb. 1, 2024 /PRNewswire/ -- Adyen (AMS: ADYEN), the global financial technology platform of choice for leading businesses, today announced that it is partnering with BILL, a leading financial operations platform for small and midsize businesses (SMBs), to deliver advanced acquiring and issuing experiences for BILL's accounts payable (AP) and accounts receivable (AR) solutions. The ...

Block stock has been on the outs with investors over the past two years or so. It was once a skyrocketing, expensive, and popular stock, but investors lost interest after the company began to lose focus and the price looked too high to sustain. It's been gaining some momentum over the past few months as it continues to demonstrate growth and looks like it's getting back to its original mission. However, if you're excited about financial technology, I would recommend you take a look at StoneCo (STNE 2.10%) a ...

One stock that might be an intriguing choice for investors right now is BILL Holdings, Inc. (BILL) . This is because this security in the Internet – Software space is seeing solid earnings estimate revision activity, and is in great company from a Zacks Industry Rank perspective. This is important because, often times, a rising tide will lift all boats in an industry, as there can be broad trends taking place in a segment that are boosting securities across the board. This is arguably taking place in the In ...