$BILL Q4’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $436.2M (Est. $431M) 🟢; +14% YoY 🔹 Adj. EPS: $0.84 (Est. $0.70) 🟢; +58% YoY 🔹 Non-GAAP Op. Inc.: $101.6M; +80% YoY 🔹 FCF: $96.5M (Est. $93.1M) 🟢 FY27 Guide: 🔹 Revenue: $1.8B-$1.9B (Est. $1.85B) 🟡 🔹 Adj. EPS: $3.56-$3.79 (Est. $3.35) 🟢 🔹 Core Revenue: $1.67B-$1.72B 🔹 Op. Income: $421M-$451M 🔹 Net Income: $370.5M-$394.5M Q1 Guide: 🔹 Revenue: $432.5M-$442.5M (Est. $441M) 🟡 🔹 Adj. EPS: $0.96-$1.00 (Est. $0.76) 🟢 🔹 Op. Income: $112.5M-$117.5M (Est. $91.2M) 🟢 🔹 Net Income: $98M-$102M (Est. $85.3M) 🟢 🔹 Core Revenue: $398M-$408M 🔹 Rewards Expense: $92.5M Other Q4 Metrics: 🔹 Core Revenue: $400.5M; +16% YoY 🔹 Total Payment Volume: $98B; +14% YoY 🔹 GAAP Gross Margin: 81.7%; +90 bps YoY 🔹 Non-GAAP Operating Margin: 23% 🔹 Transactions Processed: 37M; +14% YoY Capital Return: 🔹 Share Repurchases: ~$300M Other Updates: 🔹 CFO said BILL enters FY’27 on a clear path to meaningful GAAP profitability 🔹 Welcomed Jonathan Leaf as Chief Revenue Officer Comments: 🔸 “We enter FY’27 on a clear path to meaningful GAAP profitability, with the focus, accountability, and alignment to sustain it.” 🔸 “In Q4, we delivered 16% core revenue growth with strong non-GAAP profitability — demonstrating that growth and margin expansion are not a trade-off at BILL.”