Sifting through countless of stocks in the Software industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Unity Software Inc., BILL Holdings or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Unity Software Inc., BILL Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Unity Software Inc., BILL Holdings and Inc.

Unity Software Inc. operates a platform to develop, deploy, and grow games and interactive experiences for mobile phones, PCs, consoles, and extended reality devices in the United States, China, Hong Kong, Taiwan, Europe, the Middle East, Africa, the Asia Pacific, Canada, and Latin America. The company's platform offers artificial intelligence solutions that support developers through the entire development lifecycle, which includes prototyping, live service operation, user acquisition, and monetization. It also provides Create Solutions, a set of tools and services used to build, ship, and run real-time 2D and 3D content; and Grow Solutions, which allows customers to grow and engage their user base and monetize their content. In addition, the company offers enterprise support and consumption services; professional services, including consulting, platform integration, training, and custom application and workflow development services; and advertising and game publishing services. It provides its solutions directly through its online store, field sales operations, independent distributors, and resellers. The company serves enterprises, mid-market companies, government, and non-profit institutions; mid-sized, small, and independent businesses; and individuals from various industries. Unity Software Inc. was founded in 2004 and is headquartered in San Francisco, California.

BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. The company offers cloud-based payments, accounts payable, accounts receivable, and spend and expense management solutions. It also provides BILL Spend and Expense, a spend and expense management suite that provides a solution for businesses to have charge cards, build and monitor budgets, manage payments, and eliminate the need for manual expense reports. In addition, the company offers onboarding implementation support, and ongoing support and training services. Additionally, it provides payment services, including ACH, card, real-time, and cross-border payments, as well as checks and pay by card services; lending and deposit products; and value-added services. The company’s artificial intelligence enabled financial software platform provides connections between suppliers and clients. It serves accounting firms, financial institutions, and software provider companies. The company was formerly known as Bill.com Holdings, Inc. and changed its name to BILL Holdings, Inc. in February 2023. BILL Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.

Latest Software and Unity Software Inc., BILL Holdings, Inc. Stock News

As of September 4, 2026, Unity Software Inc. had a $18.3 billion market capitalization, compared to the Software median of $1.1 million. Unity Software Inc.’s stock is down 5.7% in 2026, down 3.8% in the previous five trading days and up 3.68% in the past year.

Currently, Unity Software Inc. does not have a price-earnings ratio. Unity Software Inc.’s trailing 12-month revenue is $2.0 billion with a -29.0% net profit margin. Year-over-year quarterly sales growth most recently was 24.0%. Analysts expect adjusted earnings to reach $1.211 per share for the current fiscal year. Unity Software Inc. does not currently pay a dividend.

As of September 4, 2026, BILL Holdings, Inc. had a $4.2 billion market cap, putting it in the 64th percentile of all stocks. BILL Holdings, Inc.’s stock is down 9.9% in 2026, down 2.3% in the previous five trading days and up 5.29% in the past year.

Currently, BILL Holdings, Inc. does not have a price-earnings ratio. BILL Holdings, Inc.’s trailing 12-month revenue is $1.7 billion with a -0.7% net profit margin. Year-over-year quarterly sales growth most recently was 13.8%. Analysts expect adjusted earnings to reach $3.736 per share for the current fiscal year. BILL Holdings, Inc. does not currently pay a dividend.

How We Compare Unity Software Inc., BILL Holdings and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Unity Software Inc., BILL Holdings and Inc.’s stock grades to see how they measure up against one another.

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Unity Software Inc., BILL Holdings and Inc.’s Quality Grades

Company	Ticker	Quality
Unity Software Inc.	U	C
BILL Holdings, Inc.	BILL	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Unity Software Inc. has a Quality Score of 52, which is Average. BILL Holdings, Inc. has a Quality Score of 40, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Unity Software Inc., BILL Holdings or Inc. has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Unity Software Inc., BILL Holdings or Inc. is the better investment when it comes to quality.

Unity Software Inc., BILL Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
Unity Software Inc.	U	B
BILL Holdings, Inc.	BILL	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Unity Software Inc. has a Momentum Score of 80, which is Strong. BILL Holdings, Inc. has a Momentum Score of 69, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Unity Software Inc., BILL Holdings and Inc. have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Unity Software Inc., BILL Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Unity Software Inc.	U	B
BILL Holdings, Inc.	BILL	A

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Unity Software Inc. has a Earnings Estimate Score of 62, which is Positive. BILL Holdings, Inc. has a Earnings Estimate Score of 87, which is Very Positive.

The Earnings Estimate Revisions Grade Winner: BILL Holdings, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, BILL Holdings, Inc. has a better Earnings Estimate Revisions Grade than Unity Software Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, BILL Holdings, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Unity Software Inc., BILL Holdings and Inc. Grades

In addition to Estimate Revisions, Momentum and Quality, A+ Investor also provides grades for Value and Growth.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Unity Software Inc., BILL Holdings and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Unity Software Inc., BILL Holdings or Inc. Stock?

Overall, Unity Software Inc. stock has a Momentum Score of 80, Estimate Revisions Score of 62 and Quality Score of 52.

BILL Holdings, Inc. stock has a Momentum Score of 69, Estimate Revisions Score of 87 and Quality Score of 40.

Comparing Unity Software Inc., BILL Holdings and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.