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.
ZUO and BILL are closely matched — they split the tracked metrics evenly.
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.
- 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
- 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
| Metric | ZUO | BILL |
|---|---|---|
| AI scorei | N/A | 32.7 |
| AI ranki | N/A | #2116 |
| Latest closei | N/A | $51.87 |
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 | $11.15K (+11.5%) started 2025-11-05 |
| 5Y ago | N/A | $1.55K (-84.5%) started 2021-11-05 |
| 10Y ago | N/A | $14.61K (+46.1%) started 2019-12-12 |
Hypothetical — past performance does not guarantee future results.
| 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% |
| 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 |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | ZUO | BILL |
|---|---|---|---|
| 1Y | Growthi | N/A | +11.50% |
| CAGRi | N/A | +11.52% | |
| Volatilityi | N/A | 63.36% | |
| Sharpe ratioi | N/A | 0.40 | |
| Sortino ratioi | N/A | 0.71 | |
| Max drawdowni | N/A | 43.24% | |
| Current drawdowni | N/A | 7.88% | |
| Avg drawdowni | N/A | 20.28% | |
| Ulcer Indexi | N/A | 23.47% | |
| Max daily dropi | N/A | 10.98% | |
| Max wkly dropi | N/A | 21.25% | |
| 5Y | Growthi | N/A | -84.49% |
| CAGRi | N/A | -31.13% | |
| Volatilityi | N/A | 69.53% | |
| Sharpe ratioi | N/A | -0.26 | |
| Sortino ratioi | N/A | -0.37 | |
| Max drawdowni | N/A | 90.66% | |
| Current drawdowni | N/A | 84.84% | |
| Avg drawdowni | N/A | 73.96% | |
| Ulcer Indexi | N/A | 75.84% | |
| Max daily dropi | N/A | 35.52% | |
| Max wkly dropi | N/A | 44.46% | |
| 10Y | Growthi | N/A | +46.11% |
| CAGRi | N/A | +5.65% | |
| Volatilityi | N/A | 71.73% | |
| Sharpe ratioi | N/A | 0.37 | |
| Sortino ratioi | N/A | 0.56 | |
| Max drawdowni | N/A | 90.66% | |
| Current drawdowni | N/A | 84.84% | |
| Avg drawdowni | N/A | 56.50% | |
| Ulcer Indexi | N/A | 64.99% | |
| Max daily dropi | N/A | 35.52% | |
| Max wkly dropi | N/A | 44.46% |
| 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. |
- 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
- 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
- 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
- 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
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