{"schema_version":"secwatch.filing_event.v1","accession":"0001786352-25-000020","form_type":"8-K","ticker":"BILL","cik":"0001786352","company_name":"BILL Holdings, Inc.","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.718480+00:00","generated_at":"2026-05-22T05:10:01.596236+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BILL Q3 FY25 core rev $320.3M (+14% YoY), net loss $11.6M; Q4 core rev guided $335-$345M","bullets":["Q3 total revenue $358.2M (+11% YoY); core revenue $320.3M (+14% YoY) from subscription $68.2M and transaction fees $252.1M.","GAAP net loss $11.6M ($0.11/sh) vs year-ago net income $31.8M; non-GAAP net income $58.7M ($0.50/sh) down from $68.6M.","Business highlights: 488.6K businesses served; $79B payment volume (+11% YoY); 30M transactions (+16% YoY).","Q4 FY25 guidance: core revenue $335-$345M (11-15% YoY); FY25 core revenue $1.29-$1.30B (15-16% YoY).","Non-GAAP operating income Q3 $53.3M (down 9% YoY); guided Q4 non-GAAP op income $43-$48M; FY25 $226.2-$231.2M."],"urls":{"canonical":"https://secwatch.observer/filing/0001786352-25-000020","json":"https://secwatch.observer/filing/0001786352-25-000020.json","markdown":"https://secwatch.observer/filing/0001786352-25-000020.md","text":"https://secwatch.observer/filing/0001786352-25-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1786352/000178635225000020/0001786352-25-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1786352/000178635225000020/bill-20250508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T05:10:01.596236+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}