Bill.com Holdings, Inc. (BILL) vs EPAM Systems, Inc. (EPAM)
A side-by-side comparison of Bill.com Holdings, Inc. and EPAM Systems, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of July 30, 2026. Differences are shown without an overall score or investment verdict.
BILL
Bill.com Holdings, Inc.
$44.45TechnologyDelayed quote: Jul 30, 2026, 11:20 AM EDT
EPAM
EPAM Systems, Inc.
$100.97TechnologyDelayed quote: Jul 30, 2026, 11:20 AM EDT
Total return — BILL vs EPAM
growth of $100 · dividends reinvested · last 7yBILL +33.5%EPAM -48.7%BILL compounded faster
BILL EPAM
BILL vs EPAM: by the numbers
- •EPAM is the larger company ($5.28B vs $4.43B market cap).
- •EPAM converts more revenue to profit (6.96% vs 0.01% net margin).
- •BILL grew revenue faster over the past five years (51.27% vs 14.78% CAGR).
Metrics side by side
Valuation
| Metric | BILL | EPAM |
|---|---|---|
| P/E ratio | N/A | 15.34 |
| Forward P/E | 17.92 | 8.20 |
| P/S ratio | 3.03 | 1.04 |
| P/B ratio | 1.28 | 1.69 |
| PEG ratio | N/A | 5.36 |
| EV / EBITDA | 108.81 | 7.24 |
| FCF yield | 7.90% | 9.39% |
Profitability
| Metric | BILL | EPAM |
|---|---|---|
| Gross margin | 80.70% | 27.92% |
| Operating margin | -3.52% | 9.91% |
| Net margin | 0.01% | 6.96% |
| ROE | 0.00% | 11.27% |
| ROIC | -1.11% | 9.82% |
Growth (annualized)
| Metric | BILL | EPAM |
|---|---|---|
| Revenue CAGR (5Y) | 51.27% | 14.78% |
| EPS CAGR (5Y) | N/A | 2.86% |
| FCF CAGR (5Y) | N/A | 4.18% |
| Total return CAGR (5Y) | -25.45% | -28.10% |
Frequently asked
- Which has grown faster, BILL or EPAM?
- Over the past five years, BILL grew revenue faster — BILL at a 51.27% CAGR versus EPAM at 14.78%.
- Is BILL or EPAM more profitable?
- EPAM runs the higher net margin — BILL at 0.01% versus EPAM at 6.96%.
- How have BILL and EPAM total returns compared?
- Over the past 5 years, BILL delivered -25.45% and EPAM delivered 4.29% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bill.com P/E ratioEPAM Systems P/E ratioBill.com dividend yieldEPAM Systems dividend yieldBill.com ROEEPAM Systems ROEBill.com operating marginEPAM Systems operating marginBill.com revenue growthEPAM Systems revenue growthBill.com free cash flowEPAM Systems free cash flow
Bill.com & EPAM Systems appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified July 30, 2026.