BILL vs. BLND
BILL (Bill.com Holdings, Inc.) and BLND (Blend Labs, Inc.) are both stocks. Both operate in the Software - Application industry within the Technology sector. Over the past 3 years, BILL returned -34.51%/yr vs 16.10%/yr for BLND. At a 0.41 correlation, their price movements are largely independent.
Performance
BILL vs. BLND - Performance Comparison
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Returns By Period
In the year-to-date period, BILL achieves a -39.16% return, which is significantly higher than BLND's -44.41% return.
BILL
- 1D
- 3.27%
- 1M
- -16.97%
- YTD
- -39.16%
- 6M
- -39.18%
- 1Y
- -24.54%
- 3Y*
- -34.51%
- 5Y*
- -26.75%
- 10Y*
- —
BLND
- 1D
- -3.43%
- 1M
- 15.75%
- YTD
- -44.41%
- 6M
- -46.01%
- 1Y
- -51.85%
- 3Y*
- 16.10%
- 5Y*
- —
- 10Y*
- —
BILL vs. BLND - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
BILL Bill.com Holdings, Inc. | -39.16% | -35.62% | 3.82% | -25.12% | -56.27% | 38.69% |
BLND Blend Labs, Inc. | -44.41% | -27.79% | 65.10% | 77.08% | -80.38% | -63.30% |
Correlation
The correlation between BILL and BLND is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.37 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.35 |
Correlation (All Time) Calculated using the full available price history since Jul 16, 2021 | 0.42 |
Fundamentals
BILL:
$3.39B
BLND:
$432.01M
BILL:
$0.00
BLND:
-$0.04
BILL:
2.12
BLND:
3.45
BILL:
$1.60B
BLND:
$127.59M
BILL:
$1.29B
BLND:
$95.50M
BILL:
$68.77M
BLND:
-$16.09M
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Return for Risk
BILL vs. BLND — Risk / Return Rank
BILL
BLND
BILL vs. BLND - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Bill.com Holdings, Inc. (BILL) and Blend Labs, Inc. (BLND). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| BILL | BLND | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.34 | ||
| Sortino ratioReturn per unit of downside risk | +0.61 | ||
| Omega ratioGain probability vs. loss probability | 0.97 | 0.89 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | -0.57 | -0.76 | +0.19 |
| Martin ratioReturn relative to average drawdown | -1.25 | -1.25 | 0.00 |
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Drawdowns
BILL vs. BLND - Drawdown Comparison
The maximum BILL drawdown since its inception was -90.61%, smaller than the maximum BLND drawdown of -97.37%. Use the drawdown chart below to compare losses from any high point for BILL and BLND.
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Drawdown Indicators
| BILL | BLND | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.61% | -97.37% | +6.76% |
Max Drawdown (1Y)Largest decline over 1 year | -42.94% | -68.42% | +25.48% |
Max Drawdown (3Y)Largest decline over 3 years | -76.29% | -74.21% | -2.08% |
Max Drawdown (5Y)Largest decline over 5 years | -90.61% | — | — |
Current DrawdownCurrent decline from peak | -90.31% | -91.91% | +1.60% |
Average DrawdownAverage peak-to-trough decline | -54.69% | -81.07% | +26.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 19.67% | 41.53% | -21.86% |
Volatility
BILL vs. BLND - Volatility Comparison
The current volatility for Bill.com Holdings, Inc. (BILL) is 16.82%, while Blend Labs, Inc. (BLND) has a volatility of 23.76%. This indicates that BILL experiences smaller price fluctuations and is considered to be less risky than BLND based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BILL | BLND | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 16.82% | 23.76% | -6.94% |
Volatility (6M)Calculated over the trailing 6-month period | 50.00% | 54.66% | -4.66% |
Volatility (1Y)Calculated over the trailing 1-year period | 63.38% | 71.73% | -8.35% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 70.45% | 84.34% | -13.89% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 72.98% | 84.34% | -11.36% |
Dividends
BILL vs. BLND - Dividend Comparison
Neither BILL nor BLND has paid dividends to shareholders.
Financials
BILL vs. BLND - Financials Comparison
This section allows you to compare key financial metrics between Bill.com Holdings, Inc. and Blend Labs, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
BILL vs. BLND - Profitability Comparison
BILL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a gross profit of 331.85M and revenue of 406.56M. Therefore, the gross margin over that period was 81.6%.
BLND - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Blend Labs, Inc. reported a gross profit of 23.37M and revenue of 30.84M. Therefore, the gross margin over that period was 75.8%.
BILL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported an operating income of 96.41M and revenue of 406.56M, resulting in an operating margin of 23.7%.
BLND - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Blend Labs, Inc. reported an operating income of -5.06M and revenue of 30.84M, resulting in an operating margin of -16.4%.
BILL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Bill.com Holdings, Inc. reported a net income of 12.79M and revenue of 406.56M, resulting in a net margin of 3.1%.
BLND - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Blend Labs, Inc. reported a net income of -12.78M and revenue of 30.84M, resulting in a net margin of -41.4%.
Frequently Asked Questions
BILL and BLND have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
BLND has higher volatility (23.76%) compared to BILL (16.82%). In terms of maximum drawdown, BILL dropped -90.61% vs BLND's -97.37%.
BILL currently has the higher Sharpe Ratio (-0.39 vs -0.73), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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