BILL vs INTU Stock Comparison: AI Score, Valuation, Performance and Upside
BILL and Intuit both serve SMB financial management but at very different scales and with different financial profiles. BILL is a pure-play SMB AP/AR automation and payments company at earlier growth stage; Intuit is the dominant SMB accounting, tax, and financial management platform with $16B+ in revenue and exceptional profitability. They are also competitors — QuickBooks Payments and BILL overlap in SMB payment workflows.
BILL vs INTU is a smaller, focused SMB payments automation pure-play (BILL) versus the dominant SMB financial management conglomerate (Intuit) — BILL offers higher percentage revenue growth from a smaller base, while Intuit offers scale, profitability, and multi-product SMB platform dominance.
BILL holds the edge across 3 of 5 key metrics in this comparison. BILL leads on both 1-year return (-9.55%) and forward P/E quality (10.97x vs 12.96x for INTU), a relatively favorable combination of momentum and valuation. On fundamentals, BILL is growing revenue faster (13.80%), while INTU maintains the higher operating margin (17.64%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +19.29% for BILL and +18.26% for INTU.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- prefer a pure-play SMB payment automation platform with network effects from supplier connectivity
- value the AP/AR automation + corporate card spend management combination addressing the full SMB financial workflow
- want higher-growth exposure to SMB fintech adoption at an earlier stage than Intuit's mature platform
- are comfortable with SMB macroeconomic sensitivity and competition from QuickBooks Payments expanding into BILL's territory
- prefer the dominant SMB financial management platform with QuickBooks accounting lock-in spanning accounting, payroll, and payments
- value TurboTax's consumer tax franchise as a second major high-margin recurring revenue stream
- want a profitable, high-free-cash-flow fintech/SaaS platform with consistent earnings growth and AI embedded across all products
- are comfortable with IRS Direct File expansion risk and Credit Karma's interest-rate sensitivity
| Metric | BILL | INTU |
|---|---|---|
| AI scorei | 32.0 | 49.2 |
| AI ranki | #2154 | #582 |
| Latest closei | $47.57 | $303.19 |
| 1M returni | -0.29% | -16.35% |
| 6M returni | +16.39% | -33.40% |
| 1Y returni | -9.55% | -55.08% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | BILL | INTU |
|---|---|---|
| 1Y ago | $9.05K (-9.5%) started 2025-09-18 | $4.49K (-55.1%) started 2025-09-18 |
| 5Y ago | $1.68K (-83.2%) started 2021-09-20 | $5.74K (-42.6%) started 2021-09-20 |
| 10Y ago | $13.4K (+34.0%) started 2019-12-12 | $31.85K (+218.5%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | BILL | INTU |
|---|---|---|
| Market capi | $4.07B | $97.94B |
| Trailing P/Ei | N/A | 21.14 |
| Forward P/Ei | 10.97 | 12.96 |
| Price/Salesi | N/A | 11.84 |
| EV/Revenuei | 2.43 | 4.59 |
| Analyst targeti | $56.90 | $423.46 |
| Target upsidei | +19.29% | +18.26% |
| Metric | BILL | INTU |
|---|---|---|
| Revenue growthi | 13.80% | 13.70% |
| Earnings growthi | N/A | -0.80% |
| EPS growthi | N/A | -0.80% |
| FCF margini | +13.48% | +30.02% |
| Operating margini | 9.70% | 17.64% |
| Profit margini | -0.68% | 21.29% |
| ROIC proxyi | -0.30% | 23.60% |
| Return on equityi | -0.30% | 23.60% |
| Dividend yieldi | N/A | 1.54% |
| Payout ratioi | 0.00% | 29.16% |
| Dividend growth streaki | N/A | No increase yet |
| Betai | 1.09 | 0.96 |
| Debt/equityi | 53.74 | 43.89 |
| Current ratioi | 1.51 | 1.51 |
| Quick ratioi | 0.57 | 0.78 |
Over the past year, BILL and INTU have moved moderately in the same direction (correlation of 0.53), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | BILL | INTU |
|---|---|---|---|
| 1Y | Growthi | -9.55% | -55.08% |
| CAGRi | -9.55% | -55.10% | |
| Volatilityi | 61.86% | 49.13% | |
| Sharpe ratioi | 0.05 | -1.47 | |
| Sortino ratioi | 0.09 | -1.84 | |
| Max drawdowni | 43.24% | 63.67% | |
| Current drawdowni | 15.52% | 56.82% | |
| Avg drawdowni | 19.05% | 33.81% | |
| Ulcer Indexi | 22.66% | 39.96% | |
| Max daily dropi | 10.98% | 20.02% | |
| Max wkly dropi | 21.25% | 24.51% | |
| 5Y | Growthi | -83.24% | -43.98% |
| CAGRi | -30.07% | -10.95% | |
| Volatilityi | 69.62% | 38.92% | |
| Sharpe ratioi | -0.23 | -0.22 | |
| Sortino ratioi | -0.33 | -0.30 | |
| Max drawdowni | 90.66% | 68.41% | |
| Current drawdowni | 86.10% | 62.45% | |
| Avg drawdowni | 71.74% | 25.21% | |
| Ulcer Indexi | 74.53% | 30.88% | |
| Max daily dropi | 35.52% | 20.02% | |
| Max wkly dropi | 44.46% | 24.51% | |
| 10Y | Growthi | +34.00% | +197.39% |
| CAGRi | +4.42% | +11.52% | |
| Volatilityi | 72.11% | 34.69% | |
| Sharpe ratioi | 0.35 | 0.36 | |
| Sortino ratioi | 0.54 | 0.51 | |
| Max drawdowni | 90.66% | 68.41% | |
| Current drawdowni | 86.10% | 62.45% | |
| Avg drawdowni | 55.97% | 14.72% | |
| Ulcer Indexi | 64.54% | 22.29% | |
| Max daily dropi | 35.52% | 20.02% | |
| Max wkly dropi | 44.46% | 24.51% |
| Category | BILL | INTU |
|---|---|---|
| Company | BILL Holdings, Inc. | Intuit Inc. |
| Sector | Technology | Technology |
| Industry | Software - Application | Software - Application |
| Core business | BILL provides accounts payable and accounts receivable automation for small and medium businesses (SMBs), combined with spend and expense management (from its Divvy acquisition) and invoice financing. SMBs use BILL to automate invoice processing, approvals, payments, and cash flow management — replacing manual check and email workflows. BILL generates revenue from subscription fees and transaction fees when payments flow through its network. | Intuit is the dominant small business and consumer financial management platform, operating TurboTax (consumer tax), QuickBooks (SMB accounting, payments, payroll), Credit Karma (consumer credit monitoring), and Mailchimp (SMB marketing). Intuit's AI-powered tools including TurboTax AI, QuickBooks AI, and Intuit Assist are being embedded across all platforms. With $16B+ in annual revenue and 30%+ operating margins, Intuit is one of the most financially mature vertical SaaS platforms. |
| Investor focus | Investors track total payment volume (TPV) processed through the BILL network, core business revenue growth (subscription plus transaction fees), take rate on transactions, and the path toward profitability as the company scales its SMB payment network. | Investors focus on QuickBooks Online subscriber growth, payment volume through QuickBooks Payments, TurboTax assisted revenue from live tax expert services, Credit Karma monetization improvement, and Intuit Assist AI adoption across all platforms. |
- SMB payments network effects: as more suppliers are connected to BILL, the platform becomes more valuable to each paying business
- Divvy corporate card integration provides spend management alongside AP/AR, expanding the financial workflow scope
- Strong distribution partnerships with major U.S. banks (Bank of America, JPMorgan Chase) route SMB customers to BILL
- QuickBooks dominant SMB accounting market share creates a natural distribution channel for payments, payroll, and financial services
- TurboTax near-monopoly in consumer tax filing with strong AI-assisted live expert service upsell
- Multi-product platform (accounting + payments + payroll + marketing) creates compounding switching costs for SMB customers
- SMB market is sensitive to macroeconomic conditions — BILL revenue slows when SMB business activity declines
- Intuit QuickBooks is expanding payments capabilities that overlap with BILL's core AP/AR automation
- Take rate on transactions can compress as competition from alternative payment platforms increases
- IRS Direct File free filing program creates long-term existential risk for TurboTax if it expands in scope
- QuickBooks payments growth is an opportunity but also means competing directly with BILL in SMB AP/AR workflows
- Credit Karma monetization depends on consumer credit health and lending product availability that varies with interest rates
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