cust.co / Compare / Bill.com vs Expensify

Bill.com vs Expensify - NRR head-to-head

Side-by-side Net Revenue Retention comparison sourced from SEC filings and earnings releases. Both compete in Finance Tech. Both at Public stage.

Bill.com leads by +23pp on latest NRR (111% vs 88%).

NRR over time

85%92%100%107%114% FY-2024FY-2025FY2026-Q4 NRR Bill.com Expensify Bill.com - FY-2024: 92% Bill.com - FY-2025: 94% Bill.com - FY2026-Q4: 111% Expensify - FY-2025: 88%

Bill.com hit a higher all-time peak (111% in FY2026-Q4).

Stat-by-stat

Metric Bill.com Expensify
Latest NRR 111% 88%
All-time peak NRR 111% 88%
All-time low NRR 92% 88%
QoQ change +17pp -
YoY change - -
3-year change - -
Disclosures tracked 3 1

Customer cohorts

MetricBill.comExpensify
Total customers 500,000 45,700
Over $100K ARR - -
Over $1M ARR - -
Top-10 concentration - 0%
Average ACV - -
US revenue mix 97% 90.7%

Commercial structure

MetricBill.comExpensify
Total RPO $73M -
Current RPO (12mo) $34M -
Multi-year contracts - -
Avg contract length - -
Subscription rev mix 20% 90.8%
New customers added 1,800 -

Post-sales motion

MetricBill.comExpensify
CS team size - -
Customers per CSM - -
Pricing model hybrid hybrid
Renewal cadence annual monthly
CSM coverage model account-named hybrid
Top customer exec Beth Johnson Cole Eason

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