BILL · TickerCove

BILLBill.com Holdings, Inc.Technology · Software - Applicationas of 2026-09-16

Horizon

Issued 2026-09-16 at $49.00 · now $49.00 (2026-09-16, +0.0% since)

Based on its own history, a month from the 2026-09-16 close, BILL has typically landed between $35.90 and $62.24 — a range of −26.7% to +27.0% from the issuance price $49.00.

Range of outcomes in historically similar periods — not a price prediction. Ranges are scored publicly on /methodology.

Actual close
Typical path (median)
Middle 50% of outcomes
90% range

1,677 overlapping 1 month windows · 2019-12-12 – 2026-08-17 · basis climatology · forecast (batch). Probability up 53.9% (90% CI 51.7–56.1%, ≈1,408 obs).

The cone is anchored at the 2026-09-16 issuance close ($49.00) — the price the forecast resolves against on 2026-10-15, not the latest close. The drawn path shape is illustrative (bands widen with √t); every labeled number is real — the anchor, the scored batch p90/IQR endpoints, and the typical move.

52-week range$49 · 70% of range

$31.96 low$56.31 high

Trailing 52 weeks to 2026-09-16 — factual context, not a signal.

Base rate up · monthiClimatology base rate that a US-listed stock rises over a month, with its 90% CI and ≈1,408 effective observations. Not a call on this stock — we have no evidence its odds differ.

53.9%

90% CI 51.7%–56.1%

Distribution · month iiThe price-anchored range: typical move (median), and the p90 downside/upside — 90% of similar periods stayed inside these. Ranges, not a prediction of direction.

−1.6%

typical move · IQR 21.3%

−26.7%worst (p90)+27.0%best (p90)

Insider convictioniOpen-market common-stock purchases by company insiders in the last 90 days (grants and option exercises excluded). Historical tendency, not advice — detail below.

conviction buys

0 open-market sales

Congress disclosuresiRecent disclosed congressional trades for this company. Purchase clusters (≥2 members buying within 90 days) historically preceded a modestly higher forward return (+32 bp/mo in 2022–2026, +45 bp/mo in 2015–2021) — a descriptive tendency, not a forecast input. Detail below.

0 buys · 0 sells · 0 members

cluster tilt persisted, ~halved after 2021

Where BILL has typically landed a month from the 2026-09-16 close of $49 — the range is history, not a prediction.

now $49 (+0.0%)
typical $48.19 (-1.6%)
middle 50% $42.98–$53.41
90% range $35.9–$62.24

Actual 1-month windows behind the coneiEvery overlapping 1-month window in this security's own price history was ranked by realized return; shown are the 3 worst and 3 best of 1,677 windows spanning 2019-12-12 to 2026-09-16. Not cherry-picked — these are the extremes of the full sample. Max drop / max rise are the deepest and highest points reached within each window. See /methodology.

Start	Return	Max drop	Max rise
3 worst
2025-02-06	−54.8%	−54.8%	+0.0%
2022-04-11	−51.8%	−51.8%	+3.6%
2025-02-05	−51.3%	−51.3%	+0.0%
3 best
2020-04-15	+103.9%	−2.7%	+114.2%
2020-04-16	+103.4%	+0.0%	+120.1%
2020-04-03	+100.4%	+0.0%	+100.4%

1,677 overlapping windows · 2019-12-12 – 2026-09-16 · not cherry-picked

Seasonality · by month i

iFor each calendar month, the share of years this security closed higher than the month before, and the average month-over-month return, over ~7 years of its own price history. Cells are shaded by average return. This is historical frequency, not a prediction — no month is a signal.

Jan

43%

−1.1%

n=7

Feb

57%

−1.6%

n=7

Mar

14%

−11.8%

n=7

Apr

29%

+5.4%

n=7

May

29%

−0.7%

n=7

Jun

71%

+9.0%

n=7

Jul

71%

+8.4%

n=7

Aug

86%

+11.1%

n=7

Sep

29%

−2.2%

n=7

Oct

50%

−0.1%

n=6

Nov

50%

+6.0%

n=6

Dec

50%

+3.0%

n=6

Up-frequency and average month-over-month return · historical frequency, not a prediction

Reported insider & political trades

Every Form 4 the people closest to this company have filed with the SEC — plotted against the share price, aggregated by month, and shown with the gap between when each trade happened and when it was disclosed. A public record, not advice.

Date	Person	Role	Action	Shares @ price	Value	Ownership Δ	vs S&P 1m	vs S&P 6m	Owned after	Filing
2026-09-03	Lacerte Rene A.	director	Sale	15,372 @ $50.01	$769K	−8.3% of holding	not yet — horizon still open	not yet — horizon still open	168,877	Form 4 · filed 1 day after the trade
2026-09-03	Lacerte Rene A.	director	Sale	10,970 @ $49.86	$547K	−6.0% of holding	not yet — horizon still open	not yet — horizon still open	173,279	Form 4 · filed 1 day after the trade
2026-09-03	Lacerte Rene A.	director	Sale	10,154 @ $50.50	$513K	−5.9% of holding	not yet — horizon still open	not yet — horizon still open	163,125	Form 4 · filed 1 day after the trade
2026-09-03	Lacerte Rene A.	director	Sale	5,752 @ $50.62	$291K	−3.4% of holding	not yet — horizon still open	not yet — horizon still open	163,125	Form 4 · filed 1 day after the trade
2026-09-02	Lacerte Rene A.	director	Sale	100,899 @ $48.59	$4.9M	−100.0% of holding	not yet — horizon still open	not yet — horizon still open	0	Form 4 · filed 2 days after the trade
2026-09-02	Lacerte Rene A.	director	Sale	40,357 @ $48.00	$1.9M	−28.6% of holding	not yet — horizon still open	not yet — horizon still open	100,899	Form 4 · filed 2 days after the trade
2026-09-02	Lacerte Rene A.	director	Sale	26,974 @ $48.59	$1.3M	−30.7% of holding	not yet — horizon still open	not yet — horizon still open	60,854	Form 4 · filed 2 days after the trade
2026-09-02	Lacerte Rene A.	director	Sale	24,364 @ $48.59	$1.2M	−12.5% of holding	not yet — horizon still open	not yet — horizon still open	170,000	Form 4 · filed 2 days after the trade
2026-09-02	Lacerte Rene A.	director	Sale	11,765 @ $48.01	$565K	−11.8% of holding	not yet — horizon still open	not yet — horizon still open	87,828	Form 4 · filed 2 days after the trade
2026-09-02	Lacerte Rene A.	director	Sale	10,636 @ $48.01	$511K	−5.2% of holding	not yet — horizon still open	not yet — horizon still open	194,364	Form 4 · filed 2 days after the trade
2026-09-01	Jain Rohini	officer	Sale	29,555 @ $47.80	$1.4M	−88.3% of holding	not yet — horizon still open	not yet — horizon still open	3,915	Form 4 · filed same day
2026-09-01	Jain Rohini	officer	Sale	3,915 @ $48.70	$191K	−100.0% of holding	not yet — horizon still open	not yet — horizon still open	0	Form 4 · filed same day
2026-08-31	Cieri Michael	officer	Sale	10,754 @ $49.13	$528K	−91.5% of holding	not yet — horizon still open	not yet — horizon still open	997	Form 4 · filed 1 day after the trade
2026-05-29	Cieri Michael	officer	Sale	23,775 @ $36.80	$875K	−84.1% of holding	−1.3%	not yet — horizon still open	4,497	Form 4 · filed 3 days after the trade
2026-05-29	Cieri Michael	officer	Sale	5,600 @ $35.68	$200K	−16.5% of holding	−1.3%	not yet — horizon still open	28,272	Form 4 · filed 3 days after the trade
2026-05-29	Cieri Michael	officer	Sale	3,500 @ $37.10	$130K	−77.8% of holding	−1.3%	not yet — horizon still open	997	Form 4 · filed 3 days after the trade
2025-12-02	Cota Germaine	officer	Sale	1,104 @ $51.23	$57K	−9.3% of holding	+0.1%	−40.2%	10,812	Form 4 · filed 1 day after the trade
2025-09-02	Aji Rajesh A.	officer	Sale	3,971 @ $45.22	$180K	−29.9% of holding	+10.3%	−14.2%	9,298	Form 4 · filed 2 days after the trade
2025-09-02	Cota Germaine	officer	Sale	1,721 @ $45.22	$78K	−14.6% of holding	+10.3%	−14.2%	10,085	Form 4 · filed 2 days after the trade

The vs-S&P columns are a labeled look-back on what the stock did after each filing, measured against the index over the same window. Descriptive history, not a claim about the person or a reason to trade.

281 award / exercise / gift records — not counted as purchases

Awards, option exercises, gifts and tax-withholding disposals are shown separately and never counted as open-market purchases or sales — they carry no conviction information.

Date	Person	Role	Action	Shares	Owned after	Filing
2026-08-28	Jain Rohini	officer	Withheld for tax	28,600	33,470	Form 4
2026-08-28	Lacerte Rene A.	director	Withheld for tax	24,896	141,256	Form 4
2026-08-28	Cieri Michael	officer	Withheld for tax	8,674	11,751	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	11,755	23,507	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	6,661	26,643	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	8,310	66,477	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	3,658	14,631	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	5,359	0	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	17,632	35,261	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	7,300	58,400	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	6,531	13,059	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	50,315	150,943	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	12,897	141,873	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	6,531	20,425	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	6,531	20,425	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,293	166,152	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,627	141,859	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	12,897	13,894	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,293	166,152	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,627	141,859	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	11,755	62,070	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	50,315	50,315	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	12,897	13,894	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	6,531	20,425	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	6,531	20,425	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	12,897	13,894	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,293	166,152	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,627	141,859	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	11,755	62,070	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	50,315	50,315	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	11,755	62,070	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	50,315	50,315	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,293	166,152	Form 4
2026-08-28	Lacerte Rene A.	director	Option exercise	24,627	141,859	Form 4
2026-08-28	Cieri Michael	officer	Option exercise	12,897	13,894	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	11,755	62,070	Form 4
2026-08-28	Jain Rohini	officer	Option exercise	50,315	50,315	Form 4
2026-08-17	Cieri Michael	officer	Award / grant	19,590	19,590	Form 4
2026-08-17	Lacerte Rene A.	director	Award / grant	52,893	52,893	Form 4
2026-08-17	Jain Rohini	officer	Award / grant	35,262	35,262	Form 4

Source: SEC Form 4 filings. Each row links to its original filing.

Across 2012–2021, stocks where a CEO, C-suite officer, or director had recently made an open-market common-stock purchase ran about +28 bp per month above the universe average (n=34,268 stock-weeks). A historical tendency, not a prediction.

Congressional disclosures

No congressional trades disclosed for this company.

Resolves in i

28d remaining

2026-09-173% elapsed2026-10-15

Logged immutably 2026-09-17; scored automatically on 2026-10-15 — no edits, ever.

Earnings & context analysis

These panels are being prepared. They are generated by multiple language models, checked, and stored before display — never written live for a page view. Until a model panel has been generated and reviewed for a company, nothing is shown here, honestly, rather than a placeholder.

Calibration i

Every forecast is logged when made and scored when the month is up. The record is shown from the day it starts — young and honest.

How scoring works →

Research tool, not investment advice — historical frequencies, not recommendations. A product of Marovel Technologies LLC. Full terms.

Seasonality · by month iHow this security has tended to do in each calendar month historically — a frequency, never a prediction.

Reported insider & political trades

Congressional disclosures

Seasonality · by month i