Which has grown faster, BILL or RCL?

Over the past five years, RCL grew revenue faster — BILL at a 47.32% CAGR versus RCL at 188.60%.

Does BILL or RCL pay a bigger dividend?

RCL pays a dividend (1.92% yield), while BILL has no payments in the available dividend history.

Is BILL or RCL more profitable?

RCL runs the higher net margin — BILL at -0.68% versus RCL at 23.56%.

How have BILL and RCL total returns compared?

Over the past 5 years, BILL delivered -29.89% and RCL delivered 26.76% annualized total return. Past performance doesn't predict future results.

Bill.com Holdings, Inc. (BILL) vs Royal Caribbean Cruises Ltd. (RCL)

A side-by-side comparison of Bill.com Holdings, Inc. and Royal Caribbean Cruises Ltd. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of September 10, 2026. Differences are shown without an overall score or investment verdict.

Different business models: BILL is classified in Technology; RCL is classified in Consumer Cyclical. Margin, capital intensity, and valuation differences should be interpreted in that sector context.

BILL

Bill.com Holdings, Inc.

$4.71B

$47.25TechnologyDelayed quote: Sep 11, 2026, 4:00 PM EDT

RCL

Royal Caribbean Cruises Ltd.

$69.77B

$260.14Consumer CyclicalDelayed quote: Sep 11, 2026, 4:00 PM EDT

Total return — BILL vs RCL

growth of $100 · dividends reinvested · last 7y

BILL +35.0% (+4.4%/yr)RCL +128.9% (+12.6%/yr)RCL compounded faster over this window

BILL RCL

BILL vs RCL: by the numbers

•RCL is the larger company ($69.77B vs $4.71B market cap).
•RCL is profitable (23.56% net margin) while BILL runs a net loss (-0.68%).
•RCL grew revenue faster over the past five years (188.60% vs 47.32% CAGR).
•RCL pays a dividend (1.92% yield), while BILL has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	BILL	RCL
P/E ratio	N/A	16.08
Forward P/E	12.55	14.65
P/S ratio	2.85	3.73
P/B ratio	1.33	6.82
EV / EBITDA	41.58	13.56
FCF yield	7.24%	N/A

Profitability

Metric	BILL	RCL
Gross margin	80.93%	46.64%
Operating margin	1.06%	27.32%
Net margin	-0.68%	23.56%
ROE	-0.32%	43.01%
ROIC	0.32%	14.59%

Dividends

Metric	BILL	RCL
Dividend yield	N/A	1.92%
Payout ratio	N/A	30.90%

Growth (annualized)

Metric	BILL	RCL
Revenue CAGR (5Y)	47.32%	188.60%
EPS CAGR (5Y)	N/A	9.81%
FCF CAGR (5Y)	N/A	11.57%
Total return CAGR (5Y)	-29.89%	26.76%

Frequently asked

Which has grown faster, BILL or RCL?: Over the past five years, RCL grew revenue faster — BILL at a 47.32% CAGR versus RCL at 188.60%.
Does BILL or RCL pay a bigger dividend?: RCL pays a dividend (1.92% yield), while BILL has no payments in the available dividend history.
Is BILL or RCL more profitable?: RCL runs the higher net margin — BILL at -0.68% versus RCL at 23.56%.
How have BILL and RCL total returns compared?: Over the past 5 years, BILL delivered -29.89% and RCL delivered 26.76% annualized total return. Past performance doesn't predict future results.

Go deeper

Full BILL analysis Full RCL analysis Interactive comparison tool

Dig into the metrics

Royal Caribbean Cruises P/E ratio Royal Caribbean Cruises dividend yield Bill.com ROE Royal Caribbean Cruises ROE Bill.com operating margin Royal Caribbean Cruises operating margin Bill.com revenue growth Royal Caribbean Cruises revenue growth Bill.com free cash flow Royal Caribbean Cruises free cash flow

Bill.com & Royal Caribbean Cruises appear in these rankings

Fastest Revenue Growth Stocks Highest ROE Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks

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 September 10, 2026.