Bill Holdings (BILL -2.46%) stock hasn't lived up to investor expectations -- yet. It went public before the pandemic at a time of record initial public offering (IPO), when tech stocks were hot and valuations teetered on the unreasonable. It had a tough time proving itself in a long bear market when tech and growth stocks, as well as high valuations, went out of favor. Bill stock is now down 80% from its highs as the market is embracing tech stocks again. Is it the right time to buy?Bill's large, niche opp ...