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    Is BILL Holdings (BILL) Cheap On Its Blackbaud Partnership News?

    Simply Wall St·10/02/2026 04:42:46
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    BILL Holdings (BILL) just announced a partnership with Blackbaud that embeds its payment network directly into Blackbaud’s Financial Edge NXT, targeting nonprofit and education finance teams with more integrated accounts payable tools.

    The share price reaction has been mixed, with BILL Holdings up 2.91% on the day to US$43.78, yet down 8.06% over 30 days and 13.41% year to date. Longer term momentum looks weak given a 19.55% decline in 1 year total shareholder return and steeper 3 and 5 year total shareholder losses.

    Spot under-the-radar payment platforms riding similar workflows to BILL Holdings by scanning our hand-picked 19 high quality undiscovered gems for potential breakout candidates in software and financial operations.

    After a sharp reset in BILL Holdings and a fresh partnership story on the table, the real debate is whether today’s valuation still pays you enough for the execution risk that comes with it.

    Most Popular Narrative: 23% Undervalued

    BILL Holdings closed at $43.78, while the most followed narrative pegs fair value at $56.81. The Blackbaud deal now sits against a story that already sees meaningful upside if the thesis plays out.

    Expansion of embedded finance capabilities and the Embed 2.0 strategy, including strategic partnerships with large enterprise software platforms, is set to broaden BILL's distribution channels and could significantly increase customer acquisition and transaction volumes, translating into higher long-term revenues.

    See why 23 investors see BILL Holdings as 23% undervalued.

    The narrative uses a 9.58% discount rate and hinges on BILL Holdings turning a current net loss of $11.2m into forecast earnings of $345.4m, with revenue growth assumptions of 11.2% a year and profit margins rising toward 15.2%. Price targets between $42 and $77 show there is still a wide spread of opinion, yet the consensus clusters around that $56.81 fair value, which sits well above the last close.

    Put simply, the story backing this partnership is that embedded workflows, AI powered automation, and a shift toward higher margin software and transaction revenue eventually justify a higher valuation multiple than the stock commands today, even after a difficult share price run for BILL Holdings.

    Result: Fair Value of $56.81 (UNDERVALUED)

    Still, the bullish case for BILL Holdings can unravel if competitive pressure compresses pricing power or if heavier AI and product spending fails to translate into profitable usage.

    Find out about the key risks to this BILL Holdings narrative.

    Next Steps

    If the tone of this BILL Holdings story feels cautiously optimistic, consider acting while the information is fresh and pressure test the thesis against the 4 key rewards.

    Looking for more investment ideas beyond BILL Holdings?

    If the BILL Holdings story has you rethinking your watchlist, now is the moment to widen the net before the next batch of opportunities moves without you.

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.