COMP <GO>
BILL vs QTWO // GROSS PROFIT MARGIN
BILL Holdings Inc. (NYSE) VS. Q2 Holdings Inc. (NYSE) • 15-METRIC TALLY: BILL 3
— QTWO 7
▲ GROSS PROFIT MARGIN LEADER: BILL
LAST: $49.72 (+2.92%) • MKT CAP: $4.27B
gross-margins
81.40%
LAST: $70.44 (+5.01%) • MKT CAP: $4.35B
gross-margins
54.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BILL VS. QTWO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BILL | QTWO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | 81.40% | 54.10% | +27.30 | BILL | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -1.20% | 5.70% | -6.90 | QTWO | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 85.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.32% | 4.83% | +3.49 | BILL | /fcf-yield <GO> |
| Operating Margin | -5.50% | 5.00% | -10.50 | QTWO | /operating-margins <GO> |
| Net Profit Margin | 1.60% | 6.50% | -4.90 | QTWO | /net-margins <GO> |
| Revenue Growth (YoY) | 13.40% | 14.10% | -0.70 | QTWO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.62 | 4.00 | -3.38 | QTWO | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 9/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.9 | 68.1 | -7.20 | QTWO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.33 | 1.19 | +0.14 | BILL | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 65.2x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.27B | $4.35B | -$82.4M | QTWO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BILL REV | QTWO REV | BILL GROSS % | QTWO GROSS % | BILL FCF | QTWO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.46B | $794.8M | 81.4% | 54.1% | $346.3M | $194.7M |
| FY 2024 | $1.29B | $696.5M | 81.8% | 50.9% | $277.8M | $129.1M |
| FY 2023 | $1.06B | $624.6M | — | — | $140.1M | $42.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BILL // BETA 1.33
QTWO // BETA 1.19