BILL Holdings posts Q4 2026 results, raises FY27 guidance

BILL Holdings (NYSE: BILL ) reported fourth-quarter financial results on Wednesday.

The transcript from the company's fourth-quarter earnings call has been provided below.

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For comprehensive financial data and transcripts, visit Access the full call at Summary BILL Holdings reported a 16% year-over-year increase in core revenue for Q4 2026, with a non-GAAP operating margin exceeding 23%.

The company is focusing on becoming an AI-native organization, having introduced several AI agents that enhance financial operations, with plans to launch more AI-powered functionalities.

Strategic priorities for FY27 include delivering AI-native experiences, acquiring higher ROI customers, and expanding value through the platform.

BILL Holdings has undergone significant organizational restructuring, including leadership changes and a shift to a functional model, to enhance efficiency and growth.

The company repurchased $300 million of stock in Q4, with $400 million remaining on its $1 billion repurchase authorization.

Guidance for FY27 includes core revenue growth of 11% to 14% and non-GAAP operating income of $421 million to $451 million.

Management highlighted strong momentum in multi-product adoption, with a 35% year-over-year growth in joint customers using both AP and expense solutions.

Challenges include transitioning to a unified platform selling motion and navigating changes in the bank channel strategy, focusing on scalable embedded solutions.

Full Transcript OPERATOR BILL Holdings' fourth quarter and fiscal year 2026 earnings call.

After today's prepared remarks, we will host a question and answer session.

If you would like to ask a question, please press star one to raise your hand.

To withdraw your question, press star one again.

I will now hand the conference over to Jack Andrews, Vice President, Investor Relations.

Jack, please go ahead.

Jack Andrews, Vice President, Investor Relations Thank you.

Good afternoon, everyone.

Welcome to BILL Holdings' fiscal fourth quarter 2026 earnings conference call.

We issued our earnings press release a short time ago and filed the related Form 8-K with the SEC.

The press release can be found on our investor relations website at investor.bill.com.

Joining me on the call today are René Lacerte, Chairman, CEO and Founder, and Rohini Jain, CFO.

Our remarks today include forward-looking statements about our business, products and expectations that involve many assumptions, risks and uncertainties.

Actual results could differ materially from those expressed or implied by such statements.

On today's call, we will also refer to both GAAP and non-GAAP financial measures.

Please refer to our earnings press release and investor presentation posted today and to our periodic reports filed with the SEC for additional information about such risks and uncertainties and for reconciliations of non-GAAP measures to GAAP.

With that, let me turn the call over to René.

René Lacerte, Chairman, CEO and Founder Thanks, Jack.

Good afternoon, everyone, and thank you for joining us.

Q4 was one of the most significant quarters in the history of BILL Holdings.

We completed the significant organizational changes required to accelerate our transformation to be an AI-native company.

We sharpened our view of the highest impact actions that power our growth, and at the same time we drove good overall business performance in the quarter.

Core revenue grew 16% year over year, while our non-GAAP operating margin exceeded 23%.

With increased activity in the industry, it's clear that BILL Holdings' value proposition of an integrated platform continues to resonate with SMBs.

I'll first recap the highlights from Q4, then provide an update on our new organizational structure, and then introduce our key priorities for FY 2027.