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 Braze, 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 Braze, Inc., BILL Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Braze, Inc., BILL Holdings and Inc.

Braze, Inc. operates a customer engagement platform that provides interactions between consumers and brands worldwide. It offers Braze software development kits that automatically manage data ingestion and deliver mobile and web notifications, in-application/in-browser interstitial messages, and content cards; REST API to import or export data or to trigger workflows between Braze and brands’ existing technology stacks; Partner Data Integrations, that allow brands to sync user cohorts from partners; Data Transformation, in which brands can programmatically sync and transform user data; Braze Cloud Data Ingestion that offers direct connections to cloud services and data warehouses, marketing, product, and growth teams; Braze Currents to stream data in real time; and Snowflake Data Sharing to track and store data. It also provides segmentation that define reusable segments of consumers based upon attributes, events, or predictive propensity scores; segment insights, which allows customers to analyze how segments are performing relative to each other across a set of pre-selected key performance indicators; and predictive suite that allows customers to identify groups of consumers that are of critical business value. In addition, the company offers Canvas, an orchestration tool; campaigns, which allows customers; event and API triggering; marketing pressure management; and reporting and analytics, as well as content generation and quality assurance platform, content management, catalogs, templating language, connected content, and intelligent timing and channel products. Further, it provides decisioning studio; agent console; liquid assistant and AI copywriter; personalized variant; AI item recommendations; and MCP Servers. The company was formerly known as Appboy, Inc. and changed its name to Braze, Inc. in November 2017. Braze, Inc. was incorporated in 2011 and is headquartered in New York, New York.

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 Braze, Inc., BILL Holdings, Inc. Stock News

As of September 4, 2026, Braze, Inc. had a $3.6 billion market capitalization, compared to the Software median of $1.1 million. Braze, Inc.’s stock is down 12.5% in 2026, down 11.8% in the previous five trading days and up 15.55% in the past year.

Currently, Braze, Inc. does not have a price-earnings ratio. Braze, Inc.’s trailing 12-month revenue is $787.1 million with a -15.5% net profit margin. Year-over-year quarterly sales growth most recently was 30.2%. Analysts expect adjusted earnings to reach $0.633 per share for the current fiscal year. Braze, 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 13.5% in 2026, down 4.2% 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 Braze, 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 Braze, Inc., BILL Holdings and Inc.’s stock grades to see how they measure up against one another.

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Braze, Inc., BILL Holdings and Inc.’s Quality Grades

Company	Ticker	Quality
Braze, Inc.	BRZE	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.

Braze, Inc. has a Quality Score of 43, which is Average. BILL Holdings, Inc. has a Quality Score of 40, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Braze, 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 Braze, Inc., BILL Holdings or Inc. is the better investment when it comes to quality.

Braze, Inc., BILL Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
Braze, Inc.	BRZE	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%.

Braze, Inc. has a Momentum Score of 73, 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 Braze, 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.

Braze, Inc., BILL Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Braze, Inc.	BRZE	D
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.

Braze, Inc. has a Earnings Estimate Score of 25, which is Negative. BILL Holdings, Inc. has a Earnings Estimate Score of 88, 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 Braze, 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 Braze, Inc., BILL Holdings and Inc. Grades

In addition to Momentum, Estimate Revisions 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 Braze, 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, Braze, Inc., BILL Holdings or Inc. Stock?

Overall, Braze, Inc. stock has a Momentum Score of 73, Estimate Revisions Score of 25 and Quality Score of 43.

BILL Holdings, Inc. stock has a Momentum Score of 69, Estimate Revisions Score of 88 and Quality Score of 40.

Comparing Braze, 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.