BILL Holdings (BILL) Stock Concentration Calculator
Calculator · free · no signup · BILLQuantify BILL Holdings concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.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.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →About BILL Holdings
BILL Holdings (BILL) is a public Fintech company, headquartered in San Jose, CA. IPO'd Dec 12, 2019.
Last close: $32.47 per share (as of 2026-06-18).
Equity grants at BILL Holdings typically include non-qualified stock options (NSOs) and restricted stock units (RSUs).
BILL Holdings, Inc. is an American company based in San Jose, California, that provides automated, cloud-based software for financial operations for small businesses in the United States. A white-labeled, end-to-end payments automation platform, Bill.com Connect is offered to financial institutions as part of their single sign-on online business banking ecosystem.
Source: Wikipedia (CC BY-SA 4.0)
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
Equity comp at BILL Holdings
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by BILL Holdings.
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) versus hedging (option premium drag), auto-filled with BILL's option-implied volatility.
Example: 5,000 BILL shares at $32.47 is a $162,350 position. A 30% drawdown costs $48,705; a 50% drawdown costs $81,175; a 70% drawdown costs $113,645. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using BILL's option-implied volatility and your cost basis.
All BILL Holdings tools → · Use the generic Stock Concentration Calculator for any company.
BILL Holdings equity questions
- How much BILL stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your BILL position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does BILL Holdings grant ISOs, NSOs, or RSUs?
- Equity compensation at BILL Holdings typically takes the form of non-qualified stock options (NSOs) and restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do BILL Holdings RSUs use double-trigger vesting?
- No. BILL Holdings restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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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.