The following is a summary of the BILL Holdings, Inc. (BILL) Q1 2025 Earnings Call Transcript:

Financial Performance:

• BILL Holdings reported strong Q1 financial performance with core revenue growth of 19% year-over-year.

• Non-GAAP operating income margin was 19%, up 8 percentage points from last year.

• Free-cash-flow margin expanded to 23%, marking a 7 percentage point increase from the previous year.

Business Progress:

• The company has made notable progress on strategic initiatives, specifically targeting small to mid-sized businesses (SMBs) with its integrated platform.

• Released new payment innovations for both funding and disbursement, introducing real-time funding options and making the BILL Divvy card available for accounts payable customers.

• Expanded international payment capabilities to over two dozen countries, facilitating faster and less volatile transactions.

• Enhanced its offerings with the launch of an invoice financing solution, seeing strong demand and high repeat usage.

Opportunities:

• Focused on serving a large 'greenfield' market of SMBs, many of which have yet to fully adopt automated financial operations.

• Continued progression and expansion of its integrated platform offering comprehensive financial operations tools.

Risks:

• Bill Holdings acknowledges the economic uncertainty and has adopted a cautious approach, looking for more economic clarity despite reaching higher scales and efficiencies in their business regions.

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