Bill Holdings [BILL] vs Bentley Systems [BSY] Detailed Stock Comparison

Bill Holdings Inc.

NYSE
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Bentley Systems Incorporated

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Bill Holdings Inc. wins in 6 metrics, Bentley Systems Incorporated wins in 13 metrics, with 0 ties. Bentley Systems Incorporated appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Bill Holdings Inc. Bentley Systems Incorporated Better
P/E Ratio (TTM) 128.03 39.34 Bentley Systems Incorporated
Price-to-Book Ratio 0.98 8.80 Bill Holdings Inc.
Debt-to-Equity Ratio 49.57 108.01 Bill Holdings Inc.
PEG Ratio -1.17 2.10 Bentley Systems Incorporated
EV/EBITDA -1,470.35 26.97 Bentley Systems Incorporated
Profit Margin (TTM) -1.56% 18.50% Bentley Systems Incorporated
Operating Margin (TTM) -4.26% 20.67% Bentley Systems Incorporated
EBITDA Margin (TTM) N/A 20.67% N/A
Return on Equity -0.64% 24.91% Bentley Systems Incorporated
Return on Assets (TTM) -0.51% 6.65% Bentley Systems Incorporated
Free Cash Flow (TTM) $309.67M $520.21M Bentley Systems Incorporated
Dividend Yield N/A 0.90% N/A
1-Year Return -15.25% -31.62% Bill Holdings Inc.
Price-to-Sales Ratio (TTM) 2.37 6.75 Bill Holdings Inc.
Enterprise Value $3.33B $11.65B Bentley Systems Incorporated
EV/Revenue Ratio 2.14 7.76 Bill Holdings Inc.
Gross Profit Margin (TTM) 79.84% 81.89% Bentley Systems Incorporated
Revenue per Share (TTM) $15 $5 Bill Holdings Inc.
Earnings per Share (Diluted) $-0.23 $0.85 Bentley Systems Incorporated
Beta (Stock Volatility) 1.33 1.16 Bentley Systems Incorporated
Short % of Float 17.84% 9.58% Bentley Systems Incorporated

Bill Holdings Inc. vs Bentley Systems Incorporated Stock Performance Analysis

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BILL
BSY

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Bill Holdings Inc.-8.50%1.44%-11.38%-19.52%-31.99%-30.38%
Bentley Systems Incorporated-4.06%1.75%-2.92%-15.84%-23.46%-14.50%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Bill Holdings Inc.-15.25%-65.55%-75.07%-5.03%-5.03%-5.03%
Bentley Systems Incorporated-31.62%-34.67%-47.10%-6.18%-6.18%-6.18%

Performance & Financial Health Analysis: Bill Holdings Inc. vs Bentley Systems Incorporated

MetricBILLBSY
Market Information
Market Cap i$3.72B$10.14B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i1,620,2701,935,700
90 Day Avg. Volume i1,933,7202,387,640
Last Close$35.20$32.62
52 Week Range$34.35 - $57.21$30.52 - $59.25
% from 52W High-38.47%-44.95%
All-Time High$348.49 (Nov 08, 2021)$71.92 (Sep 13, 2021)
% from All-Time High-89.90%-54.64%
Growth Metrics
Quarterly Revenue Growth0.14%0.12%
Quarterly Earnings Growth0.14%0.17%
Financial Health
Profit Margin (TTM) i-0.02%0.19%
Operating Margin (TTM) i-0.04%0.21%
Return on Equity (TTM) i-0.01%0.25%
Debt to Equity (MRQ) i49.57108.01
Cash & Liquidity
Book Value per Share (MRQ)$38.08$3.80
Cash per Share (MRQ)$22.65$0.39
Operating Cash Flow (TTM) i$385.52M$538.46M
Levered Free Cash Flow (TTM) i$122.55M$468.16M
Dividends
Last 12-Month Dividend Yield iN/A0.90%
Last 12-Month Dividend iN/A$0.35

Valuation & Enterprise Metrics Analysis: Bill Holdings Inc. vs Bentley Systems Incorporated

MetricBILL (Apr 26, 2026)BSY (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i128.0339.34
Forward P/E i13.7321.24
PEG Ratio i-1.172.10
Price to Sales (TTM) i2.376.75
Price to Book (MRQ) i0.988.80
Market Capitalization
Market Capitalization i$3.72B$10.14B
Enterprise Value i$3.33B$11.65B
Enterprise Value Metrics
Enterprise to Revenue i2.147.76
Enterprise to EBITDA i-1,470.3526.97
Risk & Other Metrics
Beta i1.331.16
Book Value per Share (MRQ) i$38.08$3.80

Financial Statements Comparison: Bill Holdings Inc. vs Bentley Systems Incorporated

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBILL (2025)BSY (2025)
Revenue/Sales i1.46B1.50B
Cost of Goods Sold i272.10M277.53M
COGS % of Revenue i18.6%18.5%
Gross Profit i1.19B1.22B
Gross Margin i81.4%81.5%
Research & Development i340.06M307.58M
Operating Income (EBIT) i-80.60M362.62M
Operating Margin i-5.5%24.1%
EBITDA i93.13M432.21M
EBITDA Margin i6.4%28.8%
Pre-Tax Income i30.41M350.73M
Pre-Tax Income % of Revenue i2.1%23.4%
Income Tax i6.61M72.98M
Income Tax % of Revenue i0.5%4.9%
Net Income (Profit) i23.80M277.79M
Profit Margin i1.6%18.5%

Balance Sheet & Liquidity Metrics

MetricBILL (2025)BSY (2025)
Cash & Equivalents i1.04B123.28M
Total Current Assets i7.24B539.03M
Total Current Assets % of Revenue i494.9%35.9%
Total Current Liabilities i4.59B960.21M
Total Current Liabilities % of Revenue i313.7%63.9%
Long-Term Debt i1.56B1.27B
Long-Term Debt % of Revenue i106.6%84.6%
Total Shareholders Equity i3.91B1.19B
Retained Earnings i-1.51B-40.26M
Retained Earnings % of Revenue i-103.3%-2.7%
Property, Plant & Equipment i56.09M31.21M

Cash Flow Statement Comparison

MetricBILL (2025)BSY (2025)
Operating Cash Flow i373.42M435.81M
Operating Cash Flow % of Revenue i25.5%29.0%
Capital Expenditures i-4.34M-18.26M
Free Cash Flow i309.67M520.21M
FCF Margin i21.2%34.6%
Debt Repayment i-539.40M-434.68M
Common Stock Repurchase i-430.00M-157.24M

Short Interest & Institutional Ownership Analysis

MetricBILLBSY
Shares Short i13.56M19.77M
Short Ratio i6.556.83
Short % of Float i17.84%9.58%
Shares Outstanding i99.97M302.36M
Float Shares i88.28M148.93M
% Held by Insiders i12.36%44.16%
% Held by Institutions i111.25%50.49%
% Held by Public i-23.61%5.35%

Dividend Analysis & Yield Comparison: Bill Holdings Inc. vs Bentley Systems Incorporated

MetricBILLBSY
Last 12-Month Dividend iN/A$0.35
Last 12-Month Dividend Yield iN/A0.90%
3-Year Avg Annual Dividend iN/A$0.25
3-Year Avg Dividend Yield iN/A0.13%
3-Year Total Dividends iN/A$0.74
Ex-Dividend DateN/AMar 10, 2026