Currently at all-time peak NRR of 94%.
Bill.com is above the Finance Tech Public median by +0pp (cell median: 94%)
Bill.com (BILL) is a finance tech company at the public stage. As of its most recent disclosure (FY-2025), Bill.com reported a Net Revenue Retention rate of 94% - a below-average result for B2B SaaS at this segment.
Bill.com is currently at or near its all-time NRR peak. The most recent quarter gained 2pp QoQ.
Within its peer set (finance tech companies at public stage in the $5k-$25k acv band), Bill.com's NRR is roughly in line with the cell median of 94%.
Contract shape and forward-booked revenue.
Health scores, usage, and time-to-value when disclosed.
Logo flow per period (count-side complement to dollar-based NRR).
Revenue, ARR, and team-size denominators for the productivity ratios.
Forward-booked revenue by maturity. Renewal pipeline visibility.
Support tiers: Standard · Premier · Strategic
CS team segments: Strategic · Enterprise · Mid-Market · SMB
CSM model: account-named
Education programs: Accountant Console
Top customer exec: Beth Johnson - Former Vice Chair and Chief Experience Officer (since 2025)
Named CS initiatives across recent disclosures (newest first).
Launched AI agents for autonomous W-9 collection, validation, and receipt reconciliation.
"In October 2025, we launched BILL AI, including our first AI agents... designed to autonomously collect and validate W-9s"
New partnerships with Paychex, Oracle NetSuite, and Acumatica to offer embedded payment capabilities.
"we recently announced embed partnerships with Paychex, Oracle NetSuite, and Acumatica"
Launching AI agents for SMB payables, receivables, procurement, and cash management.
"Moving forward, we will be launching AI agents for SMB payables, receivables, procurement, and cash management."
Enables large suppliers to process and reconcile high volumes of payments from SMBs.
"A new offering that enables large suppliers to quickly and efficiently process and reconcile high volumes."
Strategic partnerships with NetSuite, Paychex, and Acumatica to embed BILL AP capabilities natively.
"Last year, we launched our Embed 2.0 strategy to remove friction for partners to quickly and easily leverage our unique size"
New AI agents for W-9 collection, expense coding, and onboarding to automate manual financial workflows.
"Our new AI agents represent a paradigm shift in automation at the operational level"
High-yield, fully integrated operating bank account to manage payables, card spend, and cash in one place.
"In Q1, we launched BILL Cash Account, which is a high-yield, fully integrated operating bank account"
Upcoming release of AI agents to shift from doing work with customers to doing it for them.
"upcoming release of AI agents, we believe BILL can continually reinvent our category"
Challenges acknowledged by management. Useful peer signals - your team is probably not alone.
SMBs reacting to economic environment by tightening budgets and selecting lower-cost payment methods.
"we have observed SMBs reacting to the macroeconomic environment by tightening budgets and selecting lower-cost payment methods"
Rewards increased to 132 basis points, impacting margins; company is actively adjusting reward structures.
"Rewards increased to 132 basis points... We are now scrutinizing and actively adjusting our reward structure."
Uncertain macro environment impacting small and medium business customers.
"achievements in Fiscal 2025, despite an uncertain macro environment for SMBs"
Announced plan to reduce workforce by up to 30% to improve structural efficiencies.
"In May 2026, the Company announced that its board of directors approved a plan to reduce its workforce by up to 30%."
Significant reduction in force (30%) to align with new AI-driven operational model.
"This is a hard decision... The reduction will involve colleagues who have helped build BILL."
Potential for lower net adds due to price increases and focus on larger customers.
"expect this number to trend down slightly... as we... take steps to better align pricing with the value"
Curated quotes about customer outcomes, retention, renewals.
"Our net revenue retention rate, inclusive of financial institutions, came in at 94%, reflecting the lower B2B spend environment during fiscal 2025 and continued supplier cost sensitivity towards payment acceptance. Annual customer retention, however, remained very healthy at 86%, underscoring the value and stickiness of our platform."
"We firmly believe our Agentic AI platform initiatives will further improve customer retention, accelerate multi-product adoption, and fuel customer acquisition."
"For example, churn reduction from the AI onboarding improvements, the adoption of AI tools. We are seeing some very early results of those AI agents actually pre-post driving a little more stickiness with our customers as well as TPV."
"The AI onboarding that we talked about is super important. We think that's something that's going to streamline the adoption, if you will, in the early days, and actually reduce the attrition that we see, and actually increase retention from those early customers."
"Achieving an AI-native experience means that AI is so deeply embedded that removing it would make the product no longer work."
"Our strategic go-to-market investments in the accounting channel have accelerated adoption, deepened engagement with existing firms, and reduced client attrition."
Side-by-side NRR, customer cohorts, commercial structure, and CS motion.
Bill.com appears on 1 of our retention leaderboards.
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