Phase Space AI

BILL Holdings

BILL · investment memo

Valuation margin
demonstrated − required CAGR
+2.7%
Required CAGR
9.8%
Demonstrated
12.5%
Terminal margin
11.2%
Exit multiple
24.1x
Company state
C
Terminal margin basis

GAAP EBIT margin held fixed in the reverse DCF. INHERITED FROM THE SCREEN, whose basis string is 'industry median (pre-profit)'.

Risk & exit

Four distinct questions, one field each. A price is not a thesis: the trigger below forces a re-underwrite and freezes further purchases — it is never an automatic sell.

Risk trigger
14% below the memo price
$39.98
Forward E[R]
vs a 0% floor
+37.2%

A daily close below $39.98 triggers a mandatory re-underwrite and freezes further purchases. It is not an automatic sell unless a separate fundamental invalidation condition has been breached.

Thesis-invalidation conditions

Not stated. This name has no falsifiable invalidation conditions on file, so it cannot be risk-monitored. That is a gap in the research, not a clean bill of health — recorded rather than hidden.

Impairment case

Not stated. No permanent-loss case with a named cause is on file. A valuation bear case is not an impairment case.

Documents

BILL Catalyst Calendar BILL Financial Model Notes BILL Research BILL Trade Construction BILL Valuation