Companies · Fintech
San Jose · Fintech · refined from filed group “Other Technology” · https://www.bill.com/
Diligence memoA one-page analyst read on Bill.com Holdings, Inc. — recommendation, valuation, rhythm, risks.→Bill.com Holdings, Inc. looks over-valued against its niche peers and is dormant on financing cadence.
Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.
Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.
Procedural diagnosis est. — rule-based common-sense checks over the filing pattern, issuer name, activity cadence, and surfaced operating evidence.
Bill.com Holdings, Inc. behaves more like a recurring private-offering issuer than a conventional venture-backed operating company.
No named principal in this company's public records yet — see all operators below.
Explore how these operators interlock with other companies in the operator network.
Bill.com Holdings, Inc. is one of 1063 Fintech companies tracked from San Jose. By capital raised it ranks among the largest (ahead of 100% of sector peers), and among the largest by modeled valuation est..
Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.
AI analyst read est. — model-extracted from this company's public description, not a verified fact. 30%
operates a technology-led product inferred from public copy
Grounded in: “You are a venture analyst”
The AP, AR, and spend & expense solution that lets you create and pay bills, manage expenses, control budgets, and get the credit your business/firm needs to grow.
The AP, AR, and spend & expense solution that lets you create and pay bills, manage expenses, control budgets, and get the credit your business/firm needs to grow. The intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow — all on one platform. 1 Credit lines are not guaranteed and will be determined upon application approval. 2 The BILL Divvy Card may be issued by one of Divvy Pay, LLC's bank partners . The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement. Streamline your entire AP process, from bill creation to approvals and payments—with AI working behind the scenes to reduce errors and manual work. Easily sync with your accounting software. Access credit lines from $1000-$5M¹. Easily request funds, set budgets, and track spend using intelligent software combined with The BILL Divvy Card² powered by Visa. 1 Credit lines are not guaranteed and will be determined upon application approval. 2 The BILL Divvy Card may be issued by one of Divvy Pay, LLC's bank partners. The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agr
Trades publicly as BILL.
As reported in public records reported — not modeled.
Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.
The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.
Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed, Seed, Series A, Series B, Series C, Series D+ — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 14%.
Round size and date are reported; the stage label is inferred from round size (latest is Growth/Late — a round over $400M). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.
Not enough modeled valuation points to chart a trajectory.
Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.
Raised more than 100% of sector peers (real $). Modeled value above 100% of peers (estimate).
A tighter cohort than the sector chart above — only companies at the same stage (Growth/Late) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #1 of 5.
| Company | Stage | Raised · real | Value · est | vs peer med. |
|---|---|---|---|---|
| Bill.com Holdings, Inc. this company | Growth/Late | $1.7B | $46.3B | 4.44× |
| Rappi, Inc. | Growth/Late | $1.6B | $13.3B | 1.27× |
| FTX Trading Ltd. | Growth/Late | $1.3B | $10.4B | 1.00× |
| MNT-Halan | Growth/Late | $120.0M | $3.1B | 0.30× |
| Adumo | Growth/Late | $15.0M | $432.0M | 0.04× |
Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.
| Stage | Amount · real | Announced | Post-money · est | Value · est | Conf. |
|---|---|---|---|---|---|
| Growth/Late | $1.7B | 2021-06-01 | $16.9B | $46.3B | 90% |
Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.
Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.
Officers, directors and promoters named in this company's public recordsreported — the people who run it (not its investors). "Also runs" counts come from name-matching across all records, so verify before acting.
| Person | Role | Also runs | Tied since |
|---|---|---|---|
| Peter J. Kight | — | 2 other | 2021-06 |
| Stephen J. Fisher | — | 1 other | 2021-06 |
| Allison J. Mnookin | — | — | 2021-06 |
| Bora J. Chung | — | — | 2021-06 |
| Brian J. Jacobs | — | — | 2021-06 |
| Colleen J. Taylor | — | — | 2021-06 |
| David J. Hornik | — | — | 2021-06 |
| John R. Rettig | — | — | 2021-06 |
| Katherine M. A. Kline | — | — | 2021-06 |
| Rajesh A. Aji | — | — | 2021-06 |
| Rene A. Lacerte | — | — | 2021-06 |
| Rory M. A. O'Driscoll | — | — | 2021-06 |
| Steven J. Cakebread | — | — | 2021-06 |
| Steven M. A. Piaker | — | — | 2021-06 |
| Thomas J. Clayton | — | — | 2021-06 |
Bill.com Holdings, Inc. is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.
Discovered from bill — the partnerships, launches, hiring and press it publishes about itself. Evidence the company is alive and what it is doing now, not financial data.
Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.
| Company | Sector | Stage | Raised · real | Value · est | Why similar |
|---|---|---|---|---|---|
| Rappi, Inc. | Fintech | Growth/Late | $1.6B | $13.3B | same sector · same stage |
| FTX Trading Ltd. | Fintech | Growth/Late | $1.3B | $10.4B | same sector · same stage |
| Metropolis Technologies, Inc. | Fintech | Growth/Late | $1.2B | $14.5B | same sector · same stage |
| Stripe, Inc. | Fintech | Growth/Late | $2.7B | $9.9B | same sector · same stage |
| Deel, Inc. | Fintech | Growth/Late | $509.4M | $36.8M | same sector · same stage |
| MNT-Halan | Fintech | Growth/Late | $120.0M | $3.1B | same sector · same stage |
| Fawry | Fintech | Growth/Late | $51.0M | $1.2B | same sector · same stage |
| Adumo | Fintech | Growth/Late | $15.0M | $432.0M | same sector · same stage |
Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.
| Company | Sector | Stage | Value · est | Match |
|---|---|---|---|---|
| JustPaid Billing Automation for B2B that actually works. | Fintech | — | — | 80% |
| Hellobill Hellobill aggregates all your business bills, automatically, every… | Fintech | — | — | 79% |
| Mercoa AI Agent for Billpay platforms to pay invoices with virtual cards | Fintech | — | — | 78% |
| LedgerUp AI agents that handles complex billing and revenue | Fintech | — | — | 76% |
| Envelope Budgeting app with built-in banking | Fintech | — | — | 76% |
| CollectWise Automating consumer debt collection with AI | Fintech | — | — | 76% |
| pap! Agents that earn consumers dollars when they shop, travel, and live. | Fintech | — | — | 76% |
| Paid Autopilot for Accounts Receivable | Fintech | — | — | 76% |
See where Bill.com Holdings, Inc. sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.
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