Options/BILL
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BILLBILL Holdings, Inc.

Options Analysis ReportSERVICES-PREPACKAGED SOFTWARE
Market Cap $4.1B|NYSE
2026-09-11$47.63
BULLISH
Analysis: 2026-09-10 EOD data
1Y -7.9%YTD -5.8%7D -3.1%
682
30D
±14.2%
9%

BILL Options Overview

IV is elevated with bullish flow. Conditions favor premium sellers.

REWARDS

RISK ANALYSIS

4.3VALUESENTIMENTACTIVITYLIQUIDITYTIMING

Snowflake Analysis

Favorable conditions for premium sellers

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BILL Gamma Walls

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Value

Is IV priced right?

5.3
ExpensiveCheap

Measures whether options are cheap, fair, or rich relative to historical and peer

levels.

Risk Checks4/9 checks passed
≤35%

IV Rank 76.7% — elevated vs history

<1.05x

IV/HV 1.31x — IV premium over HV

Sector Relative≤50%

Sector percentile 44% — below sector median

<1.1x

Front/Back 0.89x — contango

<1.25x

Put/Call IV 1.16x — elevated

<80%

ATM IV 54.4% — normal range

<80%

Effective IV 95.0% (ATM 54.4% + spread 20.3% + bias) — expensive

<3.0%

Total drag 25.97% (spread 20.29% + slippage 5.68%) — high friction

≥5.0

Vega efficiency 0.00 (vega 0.000 / spread 20.29%) — spread drag

Sentiment

Bullish or bearish?

5.8
BearishBullish

Analyzes

,
, and flow direction to determine market bias.

Risk ChecksBearish - Strong signal (Conviction: -20%, Raw: -25%)
|net sentiment| ≥25%

Conviction-weighted: -20% (bearish) — Raw: -25%

≥15%

|OI skew| 36.2% — call-heavy

Same sign, |vol skew| ≥10%

Vol skew +81.8%, OI skew +36.2% — aligned

≥2/3 conditions

0-DTE 71%, far-OTM 15%, avg DTE 30

|change| ≥3%

OI change +0.0% (5d) — stable

|weighted flow| ≥20%

ITM: +1%, ATM: +33%, OTM: -66% — bullish (ITM/ATM aligned)

Sector Relative≤40% or ≥60%

Sector P/C percentile 13% — very bullish vs sector

Activity

Unusual activity?

2.0
QuietActive

Detects volume surges,

, and unusual options activity that may signal moves.

Risk Checks0/8 checks passed
≥1.5x

Volume 0.2x avg — normal

≥15%

Vol/OI 1.1% — normal turnover

≥2 days

1 day(s) elevated — may be one-day event

≥5%

OI change -1.7% (5d) — stable

Sector Relative≥60%

Sector activity percentile 40% — below sector avg

≥30%

Large trade volume 0% — mostly retail

≥60%

Aggressive execution 17% — patient

≥30

Conviction -20 (bearish) — mixed

Liquidity

Can I trade efficiently?

2.9
IlliquidLiquid

Evaluates

, volume depth, and open interest for trade execution quality.

Risk Checks2/8 checks passed
≤5.0%

Spread 20.3% — wide

≥10,000

OI 60,761 — deep

≥500

Volume 682/day — adequate

≤$0.50

$1.01 to cross — expensive

≥5 strikes

0 liquid strikes — limited options

Sector Relative≤40%

Sector spread percentile 67% — wider than sector

≥100 contracts

Depth 85.1 contracts (bid:45.4 ask:39.7) — thin

<1.0%

Avg slippage 5.68% — poor

Timing

Is now a good time?

5.7
RiskyFavorable

Considers earnings proximity,

, and event calendar for optimal entry timing.

Risk Checks4/9 checks passed
|slope| ≥5%

Slope -11.1% — contango

<30 or >70

IV percentile 77% — seller opportunity

≥10pts kink

IV kink -3.1pts — no clear event

<0.5 or >2.0

θ/ν ratio 1.00 — favors mixed

≥3 expirations

5 liquid expirations — flexible

≥60% (safe)

caution advised: FOMC in 5d; CPI in 0d (HIGH)

<1.2 ratio

Spread ratio 1.00x — stable

≥25% strength + ≥50% consistency

Flow -20% @ 60% consistency — unclear

≥40 composite score

Score 30 (ITM 20% + inst 0%) — retail dominated

Directional Strategy Fit

Option Buyers
Long Calls6.0
bullishIV fair, mixed flow
Long Puts4.6
bearishIV fair, mixed flow
Premium Sellers
Cash-Secured Put4.9
bullishIV fair, mixed flow
Covered Call4.3
bearishIV fair, mixed flow

For educational purposes only. Not investment advice.

The Options Desk tracks the move options price into every US earnings report the week of Sep 7, next to how much each stock has actually moved on its past prints — plus the SPY, QQQ and IWM expected ranges and the gamma walls that box them in.

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