Data as of:
LIVE
ZUO
Zuora, Inc. · Information Technology - Subscription Billing Software
N/A
N/A this month
VERSUS
COMPARE
BILL
BILL Holdings, Inc. · Information Technology - Financial Operations Software
$47.57
-0.29% this month
Comparison scoreboard
MIXED SETUPAI Scorei
ZUO N/A
BILL 32.0
1Y Returni
ZUO N/A
BILL -9.55%
Fwd P/Ei
ZUO N/A
BILL 10.97
Target Up.i
ZUO N/A
BILL +19.29%
Op. Margini
ZUO N/A
BILL 9.70%
Metrics last refreshed: 9/19/2026
Quick take
ZUO vs BILL Stock Comparison: AI Score, Valuation, Performance and Upside
ZUO is a specialized subscription billing software platform with a more moderate growth profile, while BILL is a larger, faster-growing financial operations automation platform processing significant payment volume for small and mid-sized businesses. Both serve financial operations needs but address different parts of the business financial workflow.
ZUO vs BILL compares two financial operations software companies addressing different needs: Zuora's specialized subscription billing platform versus BILL's broader accounts payable/receivable and payments automation platform.
Live analysis · updated 9/19/2026
ZUO and BILL are closely matched — they split the tracked metrics evenly.
Normalized 1Y performance
ZUO
BILL
Not enough data to chart yet.
Recent returns
ZUO
BILL
Analyst price targets & sentiment
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.
ZUO
Price target data unavailable
N/A
BILL
Price target range
analyst mean$56.90
current price$47.57
+19.3% upside to analyst mean
Who should consider this stock?
ZUO may suit investors who:
- Want exposure to a specialized subscription billing and revenue recognition platform
- See value in Zuora's improving focus on profitability
- Are comfortable with a more moderate growth profile in a maturing niche market
BILL may suit investors who:
- Want exposure to a leading small and mid-sized business financial operations platform
- Value BILL's large and growing total payment volume processed
- Believe expanding into spend and expense management will drive continued growth
Performance & AI score
| Metric | ZUO | BILL |
|---|---|---|
| AI scorei | N/A | 32.0 |
| AI ranki | N/A | #2154 |
| Latest closei | N/A | $47.57 |
| 1M returni | N/A | -0.29% |
| 6M returni | N/A | +16.39% |
| 1Y returni | N/A | -9.55% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | ZUO | BILL |
|---|---|---|
| 1Y ago | N/A | $9.05K (-9.5%) started 2025-09-18 |
| 5Y ago | N/A | $1.68K (-83.2%) started 2021-09-20 |
| 10Y ago | N/A | $13.4K (+34.0%) started 2019-12-12 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | ZUO | BILL |
|---|---|---|
| Market capi | N/A | $4.07B |
| Trailing P/Ei | N/A | N/A |
| Forward P/Ei | N/A | 10.97 |
| Price/Salesi | 3.59 | N/A |
| EV/Revenuei | N/A | 2.43 |
| Analyst targeti | N/A | $56.90 |
| Target upsidei | N/A | +19.29% |
Growth, profitability & risk
| Metric | ZUO | BILL |
|---|---|---|
| Revenue growthi | N/A | 13.80% |
| Earnings growthi | N/A | N/A |
| EPS growthi | N/A | N/A |
| FCF margini | N/A | +13.48% |
| Operating margini | N/A | 9.70% |
| Profit margini | N/A | -0.68% |
| ROIC proxyi | N/A | -0.30% |
| Return on equityi | N/A | -0.30% |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | N/A | 0.00% |
| Dividend growth streaki | N/A | N/A |
| Betai | 0.24 | 1.09 |
| Debt/equityi | N/A | 53.74 |
| Current ratioi | N/A | 1.51 |
| Quick ratioi | N/A | 0.57 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
ZUO max drawdowniN/A
BILL max drawdowni43.24%
ZUO max wkly dropiN/A
BILL max wkly dropi21.25%
5Y risk snapshot
ZUO max drawdowniN/A
BILL max drawdowni90.66%
ZUO max wkly dropiN/A
BILL max wkly dropi44.46%
10Y risk snapshot
ZUO max drawdowniN/A
BILL max drawdowni90.66%
ZUO max wkly dropiN/A
BILL max wkly dropi44.46%
Performance metrics by period
| Period | Metric | ZUO | BILL |
|---|---|---|---|
| 1Y | Growthi | N/A | -9.55% |
| CAGRi | N/A | -9.55% | |
| Volatilityi | N/A | 61.86% | |
| Sharpe ratioi | N/A | 0.05 | |
| Sortino ratioi | N/A | 0.09 | |
| Max drawdowni | N/A | 43.24% | |
| Current drawdowni | N/A | 15.52% | |
| Avg drawdowni | N/A | 19.05% | |
| Ulcer Indexi | N/A | 22.66% | |
| Max daily dropi | N/A | 10.98% | |
| Max wkly dropi | N/A | 21.25% | |
| 5Y | Growthi | N/A | -83.24% |
| CAGRi | N/A | -30.07% | |
| Volatilityi | N/A | 69.62% | |
| Sharpe ratioi | N/A | -0.23 | |
| Sortino ratioi | N/A | -0.33 | |
| Max drawdowni | N/A | 90.66% | |
| Current drawdowni | N/A | 86.10% | |
| Avg drawdowni | N/A | 71.74% | |
| Ulcer Indexi | N/A | 74.53% | |
| Max daily dropi | N/A | 35.52% | |
| Max wkly dropi | N/A | 44.46% | |
| 10Y | Growthi | N/A | +34.00% |
| CAGRi | N/A | +4.42% | |
| Volatilityi | N/A | 72.11% | |
| Sharpe ratioi | N/A | 0.35 | |
| Sortino ratioi | N/A | 0.54 | |
| Max drawdowni | N/A | 90.66% | |
| Current drawdowni | N/A | 86.10% | |
| Avg drawdowni | N/A | 55.97% | |
| Ulcer Indexi | N/A | 64.54% | |
| Max daily dropi | N/A | 35.52% | |
| Max wkly dropi | N/A | 44.46% |
Business comparison
| Category | ZUO | BILL |
|---|---|---|
| Company | Zuora, Inc. | BILL Holdings, Inc. |
| Sector | Information Technology - Subscription Billing Software | Technology |
| Industry | N/A | Software - Application |
| Core business | Zuora provides subscription management and billing software, helping businesses with recurring revenue models manage pricing, billing, and revenue recognition across complex subscription offerings. | BILL Holdings provides cloud-based accounts payable and accounts receivable automation software, helping small and mid-sized businesses manage cash flow, payments, and financial workflows. |
| Investor focus | Investors track Zuora's subscription revenue growth, customer retention trends, and progress toward sustained profitability in the increasingly competitive subscription billing software market. | Investors track BILL's total payment volume growth, customer additions, and the company's expanding suite of financial operations products including spend management. |
ZUO strengths
- Specialized, purpose-built platform for complex subscription billing and revenue recognition needs
- Established relationships with many large, complex subscription-based businesses
- Growing focus on profitability alongside more moderate growth expectations
BILL strengths
- Leading position in small and mid-sized business accounts payable/receivable automation
- Large and growing total payment volume processed through its platform generates durable transaction-based revenue
- Expanding product suite into spend and expense management broadens customer relationships
Risks to watch — ZUO
- Growth has moderated significantly from earlier hyper-growth rates as the market matures
- Faces competition from both specialized billing platforms and broader ERP/finance software suites
- Smaller scale limits resources relative to larger finance software competitors
Risks to watch — BILL
- Take rate and interest income sensitivity to payment volume and interest rate environment
- Faces competition from both fintech challengers and traditional banking and accounting software providers
- Customer growth among small businesses can be sensitive to broader economic conditions
Frequently asked questions
Free public comparison
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Related comparisons
More comparisons
Browse all 1,000 comparisons