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

About BILL Holdings, Inc., DocuSign and Inc.

BILL Holdings, Inc. provides financial operations platform for small and midsize businesses worldwide. It provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable businesses to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve back-office efficiency. The company also offers onboarding implementation support, and ongoing support and training services. In addition, 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.

DocuSign, Inc. provides electronic signature solution in the United States and internationally. The company offers AI-powered intelligent agreement management (IAM) platform to optimize the agreement management process and provides e-signature solution that enables sending and signing of agreements on various devices; Contract Lifecycle Management (CLM), which automates workflows across the entire agreement process; Document Generation streamlines the process of generating new, custom agreements; and Gen for Salesforce for automated agreement generation within Salesforce. It also provides Identify, a signer-identification option for checking government-issued IDs; Standards-Based Signatures, which support signatures that involve digital certificates; Monitor that uses advanced analytics; Notary which enables notaries public to conduct remote online notarization transactions; and Web Forms. In addition, the company offers Real Estate for eSignature that provides a way for brokers and agents to manage the entire real estate transaction digitally. eSignature and CLM are FedRAMP, an authorized version of DocuSign eSignature for U.S. federal government agencies; and life sciences modules that support compliance with the electronic signature practices. The company sells its products through direct and partner-assisted sales, and digital self-service purchasing. DocuSign, Inc. was incorporated in 2003 and is headquartered in San Francisco, California.

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

As of February 11, 2026, BILL Holdings, Inc. had a $4.7 billion market capitalization, compared to the Software median of $954.5 million. BILL Holdings, Inc.’s stock is down 13.8% in 2026, up 26.3% in the previous five trading days and down 27.63% in the past year.

Currently, BILL Holdings, Inc. does not have a price-earnings ratio. BILL Holdings, Inc.’s trailing 12-month revenue is $1.6 billion with a -1.6% net profit margin. Year-over-year quarterly sales growth most recently was 14.4%. Analysts expect adjusted earnings to reach $2.392 per share for the current fiscal year. BILL Holdings, Inc. does not currently pay a dividend.

As of February 11, 2026, DocuSign, Inc. had a $8.9 billion market cap, putting it in the 76th percentile of all stocks. DocuSign, Inc.’s stock is down 35.2% in 2026, down 5.2% in the previous five trading days and down 51.2% in the past year.

Currently, DocuSign, Inc.’s price-earnings ratio is 30.8. DocuSign, Inc.’s trailing 12-month revenue is $3.2 billion with a 9.6% net profit margin. Year-over-year quarterly sales growth most recently was 8.4%. Analysts expect adjusted earnings to reach $3.783 per share for the current fiscal year. DocuSign, Inc. does not currently pay a dividend.

How We Compare BILL Holdings, Inc., DocuSign 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 BILL Holdings, Inc., DocuSign and Inc.’s stock grades to see how they measure up against one another.

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BILL Holdings, Inc., DocuSign and Inc. Stock Value Grades

Company	Ticker	Value
BILL Holdings, Inc.	BILL	B
DocuSign, Inc.	DOCU	D

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

BILL Holdings, Inc. has a Value Score of 68, which is Value. DocuSign, Inc. has a Value Score of 32, which is Expensive.

The Value Stock Winner: BILL Holdings, Inc.

As you can clearly see from the Value Grade breakdown above, BILL Holdings, Inc. is considered to have better value than DocuSign, Inc.. For investors who focus solely on a company’s valuation, BILL Holdings, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

BILL Holdings, Inc., DocuSign and Inc. Growth Grades

Company	Ticker	Growth
BILL Holdings, Inc.	BILL	C
DocuSign, Inc.	DOCU	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

BILL Holdings, Inc. has a Growth Score of 41, which is Average. DocuSign, Inc. has a Growth Score of 69, which is Strong.

The Growth Grade Winner: DocuSign, Inc.

As you can clearly see from the Growth Grade breakdown above, DocuSign, Inc. has a more attractive growth grade than BILL Holdings, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, DocuSign, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

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

Company	Ticker	Earnings Estimate
BILL Holdings, Inc.	BILL	A
DocuSign, Inc.	DOCU	C

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.

BILL Holdings, Inc. has a Earnings Estimate Score of 91, which is Very Positive. DocuSign, Inc. has a Earnings Estimate Score of 60, which is Neutral.

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 DocuSign, 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 BILL Holdings, Inc., DocuSign and Inc. Grades

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

Momentum grades help 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.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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 BILL Holdings, Inc., DocuSign and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

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

Overall, BILL Holdings, Inc. stock has a Value Score of 68, Growth Score of 41 and Estimate Revisions Score of 91.

DocuSign, Inc. stock has a Value Score of 32, Growth Score of 69 and Estimate Revisions Score of 60.

Comparing BILL Holdings, Inc., DocuSign 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.