How BILL Holdings makes money

Period

FY2026

How does BILL Holdings make money? This Sankey traces every dollar of revenue through the income statement — into cost of revenue, R&D, SG&A, and taxes — and shows what's left as profit. Pick any fiscal year, recent quarter, or the trailing twelve months. Straight from SEC filings.

BILL Holdings Inc. · FY2026 · year ended 2026-06-30

Revenue$1.7BNet loss$10M · 1%Cost of revenue$315M · 19%Gross profit$1.3B · 81%Operating expenses$1.4B · 85%Other income$63M · 4%R&D$301M · 18%SG&A$299M · 18%Selling & marketing$616M · 37%Other opex$195M · 12%Accounts Payable & Accounts Receivable Solutions$740M · 45%Spend & Expense Interchange Revenue$676M · 41%Interest On Funds Held For Customers$148M · 9%Embedded & Other Solutions$89M · 5%

Each fiscal year from SEC filings. Percentages are share of revenue, so the green profit nodes read directly as gross / operating / net margin. Line items a company doesn't break out are derived from their siblings so the flows balance; small residuals show as “Other.” For informational purposes only.