Mission Statement, Vision, & Core Values of Bill.com Holdings, Inc. (BILL)

Bill.com Holdings, Inc.'s (BILL) foundational focus on simplifying back-office finance for small and midsize businesses (SMBs) drove a total revenue of $1,462.6 million for fiscal year 2025, a solid 13% year-over-year increase, proving their mission is more than just a corporate slogan. But as they scale their platform to serve over 493,800 businesses, does their stated mission-to make it simple to connect and do business-still align with the aggressive push into advanced Artificial Intelligence (AI) and embedded finance? When you analyze a company's guiding principles, you're defintely checking the long-term investment thesis; are you confident their vision can sustain a core revenue growth rate that hit 16% last year?

Bill.com Holdings, Inc. (BILL) Overview

You're looking for a clear, no-fluff breakdown of Bill.com Holdings, Inc. (BILL), the company that's changing how small and midsize businesses (SMBs) handle their money. The direct takeaway is this: Bill.com Holdings, Inc. is a financial operations platform that has successfully cornered the market on automating the back-office, driving its fiscal year 2025 revenue to a record $1.46 billion by simplifying complex workflows like accounts payable and receivable.

The company was founded in 2006 by René Lacerte in Palo Alto, California, with a simple but powerful vision: to replace manual, paper-based business payments with a secure, cloud-based solution. The platform's core products are focused on automating financial workflows, including payables, receivables, and spend and expense management-especially after the key acquisitions of Divvy and Invoice2go. This comprehensive approach is why nearly 494,000 businesses were relying on their solutions as of the end of fiscal year 2025 (June 30, 2025). That's a huge footprint in the SMB space. To understand the full journey, including the company's mission and ownership structure, you can find more details here: Bill.com Holdings, Inc. (BILL): History, Ownership, Mission, How It Works & Makes Money.

Here's the quick math on their scale: in the fourth quarter of fiscal 2025 alone, the platform processed a total payment volume (TPV) of $86 billion. That's a massive amount of money moving through their system, defintely showing the trust businesses place in their automation.

FY2025 Financial Performance: Transaction Fees Drive Record Revenue

When you look at the latest financial reports for the fiscal year ended June 30, 2025, the performance of Bill.com Holdings, Inc. is remarkably strong, particularly in its core business model. Total revenue for FY2025 hit $1,462.6 million, a 13% increase year-over-year. That's a clear signal that their strategy of bundling software and payments is working.

The real engine of this growth is what the company calls Core Revenue, which is made up of subscription and transaction fees. For FY2025, Core Revenue was $1,300.8 million, an increase of 16% year-over-year. But let's get precise about where the money is coming from. Transaction fees-the revenue generated from payment processing-are the primary driver, totaling $1,028.7 million for the year, a jump of 19% from the previous fiscal year. This is the main product sale, plain and simple.

• Total FY2025 Revenue: $1,462.6 million
• Core Revenue (Subscription + Transaction): $1,300.8 million
• Main Product Sales (Transaction Fees): $1,028.7 million (up 19% Y/Y)

What this estimate hides is the power of their network effect; they served 8.3 million standalone network members who either originated or received an electronic payment, a growth of 18% year-over-year. Also, the company generated $161.8 million in Float Revenue, which is the interest earned on customer funds held before payment, showing the benefit of high interest rates in the near-term market.

A Leader in Financial Automation for SMBs

The reason Bill.com Holdings, Inc. is considered a leader in the financial technology (fintech) space isn't just the revenue; it's the strategic position they hold. They are the de facto intelligent financial operations platform for SMBs, a sector that has historically been underserved by complex, enterprise-level software. They've successfully moved beyond just accounts payable (AP) and accounts receivable (AR) to offer a complete spend management solution.

Their scale and platform breadth uniquely position them to win in this vast market. They have approximately half a million SMBs and 9,000 accounting firms on their platform, creating a powerful ecosystem. This is a company that is not just growing, but defining the category of financial automation for the Fortune 5 Million. You should find out more below to understand why Bill.com Holdings, Inc. is so successful.

Bill.com Holdings, Inc. (BILL) Mission Statement

You're looking for the bedrock of a company's strategy-the mission statement-because it tells you where they're spending their money and why. For Bill.com Holdings, Inc. (BILL), the mission is simple and direct: Make it simple to connect and do business. This isn't just a marketing slogan; it's the guiding principle that drove the company to a total revenue of nearly $1.5 billion in fiscal year 2025, specifically $1,462.6 million, an increase of 13% year-over-year. That kind of growth doesn't happen without a clear, actionable mandate.

A mission statement like this is crucial because it aligns the company's long-term goals-like their vision to be the de facto intelligent financial operations platform for small and midsize businesses (SMBs)-with every product decision, from accounts payable (AP) automation to spend and expense management. It cuts through the noise. Honestly, if a new feature doesn't make it simpler to connect and do business, it's a waste of development dollars. Here's the quick math: simplifying back-office work for their nearly 494,000 businesses served means those businesses can thrive, which in turn drives BILL's core revenue, which hit $1,300.8 million in FY2025.

Component 1: Automating Financial Operations to Make it Simple

The first core component is the relentless pursuit of simplicity through automation. Small and midsize businesses don't start up to manage paper invoices and chase payments; they want to focus on their product or service. BILL solves this by making paper-based manual transaction processing obsolete. Their platform is designed to automate manual work, with customers reporting saving an average of 36 business days annually.

This commitment is backed by their investment in artificial intelligence (AI). For example, their AI-powered solutions have reportedly increased bill processing efficiency by 80%, which is a massive productivity gain that goes straight to the customer's bottom line. It's about translating complex financial workflows into a few clicks. The company's gross profit of $1,190.5 million in FY2025, representing an 81.4% gross margin, shows the efficiency of their scalable, cloud-based platform.

• Reduce manual workload with Agentic AI.
• Improve cash flow visibility.
• Free businesses from outdated processes.

Component 2: Connecting Businesses Through a Proprietary Network

The second pillar, to connect, is all about network effects. BILL isn't just software; it's a vast, proprietary payment network. This network connects businesses to their suppliers and clients, making transactions faster and more secure. As of June 30, 2025, the BILL standalone network included 8.3 million members who have originated or received an electronic payment. That's a huge ecosystem.

This scale is what makes the platform so valuable. When you join, you're not just getting a tool; you're getting access to a pre-vetted list of millions of potential payees and payers. This network processed a total payment volume of $86 billion in the fourth quarter of fiscal 2025 alone, representing a 13% year-over-year increase. The more businesses that join, the more valuable the platform becomes for everyone. It's a defintely powerful flywheel for growth. You can dive deeper into the investor profile and see who's buying and why here: Exploring Bill.com Holdings, Inc. (BILL) Investor Profile: Who's Buying and Why?

Component 3: Enabling SMBs to Do Business and Thrive

The final component-to do business-is the ultimate outcome. This is where the company's mission aligns with its core values: Humble, Authentic, Passionate, Accountable, and Fun. These values ensure that the technology isn't just fast, but also trustworthy and driven by a genuine passion for customer success. The company's focus on being a champion of SMBs means they are constantly innovating to help them better run their businesses.

For instance, the launch of new software and payment products in fiscal year 2025, coupled with strategic investments, helped drive significant profitability expansion. This focus on innovation is what allows businesses to gain valuable insight and control of their cash flow, which is critical when half of businesses recognize they need better cash flow management to win in today's environment. The whole point is to empower the business owner to get back to the vision that inspired them to start their business in the first place. That is the real value proposition, far beyond the transaction fees, which were $1,028.7 million for FY2025.

Bill.com Holdings, Inc. (BILL) Vision Statement

You're looking for the real strategic anchor at Bill.com Holdings, Inc., the thing that guides their product and their financials. The direct takeaway is this: the company's mission is pure simplicity-to make it easy to connect and do business-but their vision is about becoming the de facto intelligent financial operations platform for small and midsize businesses (SMBs). This focus is defintely paying off, as seen in their Fiscal Year 2025 (FY2025) results.

I've tracked companies like this for two decades, and the clarity here is a major strength. Their strategy isn't about chasing every new fintech shiny object; it's about automating the back office, turning paper processes into pure data. That singular focus is why they hit $1.46 billion in total revenue for FY2025, a 13% jump year-over-year.

Mission: Make It Simple to Connect and Do Business

The mission is the ground floor of their value proposition. It's plain English, which I appreciate. For an SMB owner, 'simple' translates directly to saving time and reducing errors, which is money in the bank. Bill.com Holdings, Inc. is essentially making paper-based, manual transaction processing obsolete. Think about it: the time saved from chasing approvals or reconciling checks is time spent growing the business.

This mission drives their core business model. They are a network effect play, meaning every new member makes the platform more valuable for everyone else. As of the end of FY2025, they had 8.3 million standalone network members who have originated or received an electronic payment on the platform, an 18% increase year-over-year. That's a massive, sticky ecosystem. This network scale is what allows them to process such high volumes-Q4 2025 Total Payment Volume (TPV) was $86 billion. That's a lot of simple connections.

Vision: The De Facto Intelligent Financial Operations Platform

The vision is where the 'analyst' in me gets interested. They aren't just selling software; they are building the default operating system for SMB finance. The goal is to be the de facto intelligent financial operations platform for SMBs, automating the future of finance so those businesses can thrive. This means moving beyond just accounts payable and receivable to integrated spend and expense management, too.

The 'intelligent' part is the near-term opportunity for investors. It means using artificial intelligence (AI) and machine learning to do things like detect and prevent fraud, which is a growing concern for SMBs. This focus on higher-value, automated services is why their Core Revenue (subscription and transaction fees) grew even faster than total revenue, reaching $1.3 billion in FY2025, a 16% increase. They are getting more revenue from each of the approximately 493,800 businesses they serve. If you want to dig deeper into how that revenue breaks down, you should check out Breaking Down Bill.com Holdings, Inc. (BILL) Financial Health: Key Insights for Investors.

Core Values: The Engine of Sustainable Growth

A strong culture is the invisible asset on the balance sheet, especially in a competitive tech market. Bill.com Holdings, Inc.'s five core values-Humble, Authentic, Passionate, Accountable, and Fun-are what keep the execution tight.

• Humble: Check egos at the door.
• Authentic: Earn and show trust by being real.
• Passionate: Work with purpose, drive, and curiosity.
• Accountable: Duty-bound to customers and society.
• Fun: Build connections and enjoy time spent together.

These values translate to real-world performance. For instance, being Accountable to customers means delivering a platform that is reliable and profitable for the company. Here's the quick math: their non-GAAP operating income for FY2025 was $239.5 million, up 22% year-over-year. That kind of profitability improvement shows a disciplined, accountable approach to balancing growth with cost management, even amid a challenging macro environment for their SMB customers. It's a good sign that the culture is driving smart financial decisions.

Bill.com Holdings, Inc. (BILL) Core Values

You're looking for a clear read on what drives Bill.com Holdings, Inc. (BILL) beyond the quarterly earnings, and that's smart. The company's core values-Humble, Authentic, Passionate, Accountable, and Fun-aren't just posters on a wall; they map directly to their product strategy and, defintely, their financial performance. Let's look at how these values translate into real-world action and the numbers from the 2025 fiscal year.

If you want to understand the foundation of their success, you have to look at their commitment to these principles. This is how they've managed to automate financial operations for nearly half a million small and midsize businesses (SMBs) and build a network of over 8.3 million members.

Accountable: Delivering on the Promise to Customers and Shareholders

Accountability at Bill.com Holdings, Inc. (BILL) means being duty-bound to customers and society, which translates directly into reliable financial performance and product security. This is where the rubber meets the road for investors. In the fiscal year 2025, the company's total revenue reached $1,462.6 million, a clear sign of their commitment to a durable business model.

Here's the quick math on their core business: Core revenue, which comes from subscription and transaction fees-the sticky, recurring part of the business-hit $1,300.8 million, growing 16% year-over-year. That kind of growth, plus exceeding their initial non-GAAP operating income guidance by over 20%, shows a laser focus on execution. They're also putting their money where their mouth is for shareholders, announcing a $300 million share repurchase program.

• Total FY2025 Revenue: $1,462.6 million.
• Core Revenue Growth: 16% year-over-year.
• Shareholder Action: $300 million repurchase program.

Passionate: Driving Innovation for the SMB Market

The Passion value-energetically working with purpose, drive, and curiosity-is what fuels their product development, especially in the competitive financial technology (fintech) space. This isn't just about a new feature; it's about transforming the back-office. The launch of BILL AI Agents in October 2025 is a concrete example.

Their investment in artificial intelligence (AI) is already paying off for customers. Since the start of 2025, their AI solutions have increased fully automated bills by more than 80%. That's a massive efficiency gain for SMBs. Also, their passion for security is evident: their platform stopped 8 million fraud attempts in FY2025 alone, protecting customer cash flow. This innovation is why you see customer success stories like the launch of BILL Supplier Payments Plus in June 2025, which adds automated cash applications and ERP integration for mid-market clients.

Authentic: Fostering Trust and a Culture of Belonging

Being Authentic means earning trust by embracing their true selves and differences. For a platform that handles over a trillion dollars in payments, trust is everything. This value is expressed internally through their commitment to diversity, equity, and inclusion (DEI), making it a core part of their culture and not just an HR mandate. They channel this inclusive energy outward by supporting their diverse customer base. For instance, their Workplace Experience team actively spotlights and sources products from women, minority, veteran, disability, and LGBTQ-owned businesses that are also Bill.com Holdings, Inc. (BILL) customers. This move helps their employees connect with the mission on a personal level, which is a powerful retention tool. You can read more about their history and mission Bill.com Holdings, Inc. (BILL): History, Ownership, Mission, How It Works & Makes Money.

Humble: Checking Egos at the Door for Continuous Improvement

Humble-checking egos at the door-is essential in a fast-moving software company. It means being open to feedback and constantly iterating, even when you're a market leader. This value is demonstrated by their strong partnership ecosystem with over 9,000 accounting firms. They didn't try to build everything themselves; they integrated with the trusted advisors of SMBs. This humility allows them to focus on their core strength-financial automation-while letting partners handle the advisory. It's a recognition that the best solution for the customer often involves collaboration, not isolation. They are constantly looking for ways to raise the bar.

Fun: Building Connections and Celebrating Success

The value of Fun wraps everything together by building connections and enjoying time spent together. It's the human element that makes the intense work of a high-growth tech company sustainable. The Workplace Experience team is key here, curating events like 'Intern Nights Out' and company-wide recognition programs. They even feature their customer's products, like snacks and beverages, in their offices, which is a neat way to celebrate their customers' success while having a good time. Keeping the culture light and connected is a strategic move to maintain the energy needed to serve a vast and diverse market.