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Dec 31, 2024
BILL Q2 2025 Earnings Report
Key Takeaways
BILL Holdings, Inc. reported strong financial results for Q2 FY25, with total revenue increasing 14% year-over-year and core revenue up 16%. The company saw improvements in operating income, net income, and gross profit, driven by increased transaction fees and strategic investments.
BILL
BILL
BILL Revenue by Segment
Revenue by Segment
Sub. & Trans. Fees Revenue
CapyFin.comFloat Revenue
CapyFin.com Forward Guidance
BILL projects continued revenue growth for Q3 FY25 and the full fiscal year, with non-GAAP operating income and net income improving. The company expects a strong performance despite macroeconomic challenges.
Positive Outlook
- Total revenue guidance for Q3 FY25 set between $352.5M and $357.5M
- Core revenue projected to grow 13%-15% in Q3 FY25
- Full-year FY25 revenue expected between $1.45B and $1.47B
- Non-GAAP net income projected between $216M and $228M for FY25
- Share repurchase program continues to enhance shareholder value
Challenges Ahead
- Macroeconomic uncertainties may impact growth
- Fluctuations in interest rates could affect float revenue
- Higher operating expenses anticipated for continued investments
- Competitive pressures in financial services remain strong
- Potential risks related to customer fund deposits and credit exposure
Revenue & Expenses
Visualization of income flow from segment revenue to net income