BILL: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-03-31	2024-12-31	2024-09-30
Net income (loss)	-2,962	30,871	42,460	8,912
Amortization of capitalized internal-use software costs paid in cash	-	10,947	7,833	3,944
Stock-based compensation	58,805	182,771	120,541	54,657
Gain on debt extinguishment	-	40,550	40,550	-
Amortization of intangible assets	15,165	46,760	31,595	16,938
Depreciation of property and equipment	3,839	9,850	6,679	3,169
Amortization of capitalized internal-use software costs and other paid in cash	4,507	-	-	-
Amortization of debt discount and issuance costs	1,610	3,280	1,896	895
Accretion of discount on investments in marketable debt securities	7,464	29,410	21,672	12,241
Accretion of discount on loans held for investment	6,533	15,239	9,960	4,631
Provision for expected credit losses on acquired card receivables and other financial assets	16,096	56,964	42,019	20,661
Non-cash operating lease expense	2,019	6,174	4,107	2,045
Other	-368	-909	-590	-172
Accounts receivable	-273	-1,282	1,160	4,028
Prepaid expenses and other current assets	-5,403	18,206	27,307	1,143
Other assets	1,378	-8,398	-8,914	-6,910
Accounts payable	-9,797	1,760	-2,074	3,804
Other accruals and current liabilities	20,826	14,381	7,135	-9,791
Other long-term liabilities	-	2,261	-124	0
Operating lease liabilities	-2,331	-7,187	-4,428	-2,348
Deferred revenue	-1,591	812	804	657
Net cash provided by operating activities	96,855	266,828	167,298	88,582
Purchases of corporate and customer fund short-term investments	372,347	2,314,975	1,210,567	637,992
Proceeds from maturities and sales of corporate and customer fund short-term investments	328,254	1,727,367	1,102,750	563,677
Purchases of loans held for investment	241,680	576,885	380,673	181,686
Principal repayments of loans held for investment	244,471	564,295	369,449	171,987
Acquired card receivables, net	52,826	146,388	-6,950	47,968
Purchases of property and equipment	1,299	1,546	-	-
Purchase of intangible assets	-	2,868	2,868	-
Capitalization of internal-use software costs	13,294	21,219	13,759	7,039
Other	0	1,582	978	517
Contingent consideration payout	-	0	0	0
Net cash used in investing activities	-108,721	-773,801	-129,696	-139,538
Customer fund deposits liability and other	-68,715	-61,856	52,731	78,512
Purchase of capped calls	-	92,960	92,960	-
Cash paid for convertible senior notes issuance costs	-	24,006	23,100	-
Prepaid card deposits	16,764	43,473	32,371	11,322
Repurchase of common stock	83,145	400,001	400,001	200,002
Proceeds from unwind of capped calls	-	0	-	-
Payments for repurchase of convertible senior notes	-	539,403	539,403	-
Proceeds from line of credit borrowings	150,000	0	-	-
Proceeds from issuance of convertible senior notes	-	1,400,000	1,400,000	-
Proceeds from exercise of stock options	276	2,772	2,252	1,017
Tax withholdings related to net share settlements of equity awards	14,080	6,416	4,714	1,304
Proceeds from issuance of common stock under the employee stock purchase plan	0	5,302	5,302	5,302
Net cash provided by (used in) financing activities	1,100	326,905	432,478	-105,153
Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents	75	-181	-772	-127
Net decrease in cash, cash equivalents, restricted cash, and restricted cash equivalents	-10,691	-180,249	469,308	-156,236
Cash and cash equivalents at beginning of period	3,550,885	-	-	-
Cash and cash equivalents at end of period	3,540,194	-	-	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

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BILL: the cashflow