BILL Holdings

BILL Cloud & Enterprise Software 5/10 Medium Risk
5/10
Sector avg: 1.6/10

BILL Holdings carries $1.7B in long-term debt, with $1.5B in scheduled principal maturities. BILL shows negative interest coverage (-5.3x), indicating operating losses exceed interest costs. DebtCanary scores BILL at 5/10, indicating moderate refinancing pressure.

Maturity Schedule

Year 1 $0 Year 2 $0 Year 3 $0 Year 4 $0 Year 5 $0 Beyond 5 $1.5B
Period Amount Due % of Total
Year 1 (0-12 months) N/A N/A
Year 2 (12-24 months) N/A N/A
Year 3 (24-36 months) N/A N/A
Year 4 (36-48 months) N/A N/A
Year 5 (48-60 months) N/A N/A
Beyond 5 Years $1.5B 100.0%
Total Scheduled Maturities $1.5B 100.0%

Key Metrics

Total Long-Term Debt
$1.7B
Near-Term (12mo)
N/A
Interest Coverage
-5.3x
Debt/Equity
0.44
Cash Coverage
N/A
Operating Income
$81M
EBITDA
$53M
EBITDA / Interest
-3.5x

Score Components

Component Value Weight
Near-Term Maturity Concentration N/A 30%
Interest Coverage Ratio -5.3x 25%
Debt-to-Equity Ratio 0.44 25%
Cash Coverage of Near-Term Debt N/A 20%

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Data Source: Financial data sourced from SEC EDGAR XBRL filings (10-K annual reports). Fiscal period end: 2025-06-30. Filing date: 2025-08-28. Data last fetched: 2026-03-29. Maturity schedules reflect the company's most recently reported debt repayment obligations. Data quality: Partial.
View SEC EDGAR filings for BILL Holdings →