BILL Holdings reports Q1 2027 earnings with AI‑driven margin expansion and guidance for FY27

BILL Holdings Inc. posted first‑quarter 2027 results showing core revenue of $316.4 million (14% YoY) and total revenue of $353.8 million (13% YoY). The company beat its non‑GAAP net‑income outlook, delivering $119.1 million, and highlighted AI‑enabled product velocity and fraud‑loss improvements. Management guided FY27 total revenue to $1.4335‑$1.4635 billion and Q2 core revenue growth to 10‑13% YoY, while noting restructuring and AI initiatives remain in progress.

The earnings beat and raised FY27 revenue guidance suggest higher near‑term earnings potential, according to the company’s guidance. The AI‑driven efficiency gains and lower fraud losses could improve margins and cash conversion in the second half of the year, as noted by management.

  • 1Core revenue for Q1 2027 was $316.4 million, a 14% year‑over‑year increase.
  • 2Total revenue for Q1 2027 was $353.8 million, up 13% YoY.
  • 3Non‑GAAP net income rose 70% YoY to $119.1 million, beating the company’s prior outlook.
  • 4FY27 total revenue guidance was set at $1.4335 billion to $1.4635 billion, implying 10%‑12% growth.
  • 5Q2 FY27 core revenue growth is expected to be 10%‑13% year‑over‑year.
  • 6Q1 fraud and credit losses improved by roughly $2 million versus expectations, driven by AI risk models.

Sources