Bill.com Holdings, Inc. vs Zuora, Inc.
Side-by-Side SaaS Metrics & Valuation Comparison
analyticsFintech
Data as of Q1 2026
Summary Verdict
BILL: 5—ZUO: 0wins
Rule of 40
38.2BILL
26.3ZUO
check_circleBILL leads
Revenue Growth
22.1%BILL
14.1%ZUO
check_circleBILL 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
38.2check_circle
ZUO
26.3
Revenue GrowthYoY
BILL
22.1%check_circle
ZUO
14.1%
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
2.6xcheck_circle
ZUO
3.4x
Market CapUSD
BILL
$4.1Bcheck_circle
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 2.6x EV/Revenue versus Zuora, Inc. at 3.4x. On the Rule of 40, Bill.com Holdings, Inc. scores 38.2 compared to Zuora, Inc.'s 26.3, placing Bill.com Holdings, 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.