Bill.com Holdings, Inc. vs Zuora, Inc.
Side-by-Side SaaS Metrics & Valuation Comparison
Summary Verdict
BILL: 3—ZUO: 2wins
Rule of 40
23.8BILL
26.3ZUO
check_circleZUO leads
Revenue Growth
7.7%BILL
14.1%ZUO
check_circleZUO leads
Gross Margin
81%BILL
68%ZUO
check_circleBILL leads
FCF Margin
16.1%BILL
12.2%ZUO
check_circleBILL leads
Operating Margin
-4.3%BILL
-7.6%ZUO
check_circleBILL leads
NRR
—BILL
—ZUO
Metric
Rule of 40Efficiency score
BILL
23.8
ZUO
26.3check_circle
Revenue GrowthYoY
BILL
7.7%
ZUO
14.1%check_circle
Gross Margin% of revenue
BILL
81%check_circle
ZUO
68%
FCF MarginFree cash flow
BILL
16.1%check_circle
ZUO
12.2%
Operating MarginGAAP
BILL
-4.3%check_circle
ZUO
-7.6%
NRRNet retention
BILL
N/A
ZUO
N/A
EV / RevenueValuation multiple
BILL
N/A
ZUO
3.4x
Market CapUSD
BILL
N/A
ZUO
$1.5B
ARR GrowthYoY
BILL
N/A
ZUO
N/A
CAC PaybackMonths to recover
BILL
N/A
ZUO
N/A
insights
Analysis
As of Q1 2026, Bill.com Holdings, Inc. trades at N/A EV/Revenue versus Zuora, Inc. at 3.4x. On the Rule of 40, Bill.com Holdings, Inc. scores 23.8 compared to Zuora, Inc.'s 26.3, placing Zuora, Inc. ahead in operating efficiency. Gross margins stand at Bill.com Holdings, Inc. 81% vs Zuora, Inc. 68%.
Sector Context
Both companies operate in the Fintech sector. The median columns above show where each company stands relative to their peers.