BILL Holdings (BILL) Stock Concentration Calculator

Calculator · free · no signup · BILL

Quantify BILL Holdings concentration risk. Drawdown impact at 30 / 50 / 70%, with the trade-off between selling down and hedging — tax-aware.

Beta · invite-only · AlphaLatitude Inc. · Free Tools

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Position & portfolio

35%
10%

Tax

67%
Highly concentratedLong-term
If 30% drop
−$150,000
If 50% drop
−$250,000
If 70% drop
−$350,000

Most fee-only advisors target ≤10% in any single name. You're at 67%.

Cost of fully de-concentrating

All three plans sell to 0% (no hedge).

Tax
Wealth (3y)$972,590
+$49,522 vs.

Tax
Wealth (3y)$1M
+$106,695 vs.

Tax
Wealth (3y)$1.1M
+$172,106 vs.

Wealth over time

Sell over 1 yearSell over 2 yearsSell over 3 yearsCustom
$712,500$841,272$970,043$1,098,815$1,227,587Yr 0Yr 1Yr 2Yr 3

Build your own plan

Toggle each cell. Sell buttons show the slice — rebalances live.
Year 1
Year 2
Year 3
Tax$253,180
Hedge cost$38,908
Wealth at Y3$1,141,624
Vs. best fixed plan+$46,450

Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.

Tax brackets: 2026 · Estimates only — not financial advice.

About BILL Holdings

BILL Holdings (BILL) is a public Fintech company. IPO'd Dec 12, 2019.

Last close: $38.32 per share (as of 2026-05-06).

Equity grants at BILL Holdings typically include non-qualified stock options (NSOs) and restricted stock units (RSUs).

René Lacerte, whose grandfather founded Lacerte Software (later acquired by Intuit), started BILL in April 2006 in San Jose to automate accounts payable and receivable workflows for the small and mid-size businesses he had watched struggle with paper checks and manual approvals. The platform integrates with accounting software to digitize invoice ingestion, approval routing, and payment execution across ACH, check, card, and international wire, processing more than $300 billion in payment volume annually. BILL IPO'd on NYSE in December 2019 and reported $1.27 billion in revenue in fiscal year 2024.

Sources: en.wikipedia.org · fintechleaders.substack.com

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by BILL Holdings.

BILL Holdings (BILL) is a public Fintech company. IPO'd Dec 12, 2019. If a meaningful share of your net worth sits in BILL, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) and hedging (option premium drag) — auto-filled with BILL's option-implied volatility.

All BILL Holdings tools → · Use the generic Stock Concentration Calculator for any company.

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OptionsAhoy plans your BILL Holdings equity alongside hedging, vesting, and de-concentration — across bullish, neutral, and bearish market scenarios. Free during beta.

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