In addition, we recently launched Bill Travel, a new spend and expense product to manage travel and spend in one single connected workflow. By streamlining the process from booking to reconciliation, we estimate that businesses on our platform can reduce the time spent on their travel workflow by more than 85%, saving more than 100,000 hours each month in aggregates.

May 7, 2026 / receipt

In addition, we recently launched Bill Travel, a new spend and expense product to manage travel and spend in one single connected workflow. By streamlining the process from booking to reconciliation, we estimate that businesses on our platform can reduce the time spent on their travel workflow by more than 85%, saving more than 100,000 hours each month in aggregates.

May 7, 2026 / receipt, needs a key / Rohini Jain, CFO | earnings call 2026-05-07 | transcript cb5c18a2-6358-4144-b002-c8c2c98b7a89 | chars 14843-15212 | segment 15

As we extrapolate that into next year, We expect some of the advertising and the T&E spend that is a higher take rate, higher interchange part of our portfolio to be under some pressure as the tariff impact on the SMEs become real. They have finite wallet sizes, and as they're trying to accommodate the tariffs in their wallets, their spend on some of these discretionary areas starts to reduce.

Aug 27, 2025 / receipt, needs a key / Rohini, CFO | earnings call 2025-08-27 | transcript 7437d021-b356-4a1c-8c1d-6c33c4cbfa99 | chars 32467-32863 | segment 33

Obviously, on the card side, with our spend and expense solution, card volume there exceeded our expectations. It was stronger than we were thinking. And there's definitely strength in the T&E category that is visible there.

May 2, 2024 / receipt, needs a key / John, other | earnings call 2024-05-02 | transcript dcac7a06-ae48-4317-95d4-0c665654687a | chars 53705-53929 | segment 54

I'd say there might be a higher percentage of discretionary spend that flows through our spend and expense card program because that involves individual cards, some of which are physical cards, not all virtual, and therefore more sensitive to things like T&E, which we mentioned before that's been strong.

Nov 2, 2023 / receipt, needs a key / John, CFO | earnings call 2023-11-02 | transcript 5edf2c63-743a-4c36-a4a7-b88f4d9ac696 | chars 57652-57957 | segment 59

There are some pockets of strength around travel and entertainment, as an example, and some areas of weakness around advertising on card spend. and facilities and office rents and things like that around core AP spend.

Nov 2, 2023 / receipt, needs a key / Renee, CEO | earnings call 2023-11-02 | transcript 5edf2c63-743a-4c36-a4a7-b88f4d9ac696 | chars 22540-22758 | segment 23

We consolidated our sales teams across channels, created single customer identities, and pre-approved many customers for spend and expense management credit lines.

Aug 17, 2023 / receipt, needs a key / Rene LeCert, CEO | earnings call 2023-08-17 | transcript 8ea6c506-74f1-4e7e-8c29-8d74bbd07e67 | chars 11144-11307 | segment 11

T&E continues to be strong.

Aug 17, 2023 / receipt, needs a key / John, other | earnings call 2023-08-17 | transcript 8ea6c506-74f1-4e7e-8c29-8d74bbd07e67 | chars 47575-47602 | segment 49

Non-GAAP operating expenses were 202.3 million, an increase of just 4% from Q2, due to proactive expense management, including reducing our pace of hiring and closely managing our variable spend.

May 4, 2023 / receipt, needs a key / John Reddick, CFO | earnings call 2023-05-04 | transcript 0fcf1821-f02b-4c54-b046-cfe20521425c | chars 15264-15459 | segment 15

In addition, in Q3, we also had 3.4 billion in card payment volume from our spend and expense management product, representing 63% year-over-year growth.

May 4, 2023 / receipt, needs a key / John Reddick, CFO | earnings call 2023-05-04 | transcript 0fcf1821-f02b-4c54-b046-cfe20521425c | chars 13256-13409 | segment 13

It looks like there is the beginning of additional T&E spend flowing through to both Divvy and small businesses at large.

May 5, 2022 / receipt, needs a key / John, CEO | earnings call 2022-05-05 | transcript f6f9dff7-d925-4870-a0e3-f4047d68a9a4 | chars 31191-31312 | segment 32

Samuel Arnoff, general manager, said, and I quote, Divi really alleviates our reimbursement process, saving time and reducing frustration. Additionally, I also have real-time visibility into each transaction and the integration with QuickBooks is seamless. The ease of having multiple solutions in one place also adds value for me. I can count on Bill.com for bill pay and expense management.

Feb 3, 2022 / receipt, needs a key / Samuel Arnoff, other | earnings call 2022-02-03 | transcript c6fe7164-169e-45e2-b0fd-fa1140ab0fb4 | chars 7884-8276 | segment 7

We also acquired Divi, a leader in spend management, to help businesses better control their spend to budgeting tools, expense management software, and smart corporate cards.

Aug 26, 2021 / receipt, needs a key / Rene Lissert, CEO | earnings call 2021-08-26 | transcript 299f1ade-08e6-4c1f-8089-f0dca7c5db2c | chars 3412-3586 | segment 3

●$357 billion annualized run rate total payment volume3

ir_statement / Aug 27, 2026 / receipt

●8.3 million network members2

ir_statement / Aug 27, 2026 / receipt

●Large and growing data asset

ir_statement / Aug 27, 2026 / receipt

●Over 498,500 SMBs1

ir_statement / Aug 27, 2026 / receipt

Acquiring new customers

ir_statement / Aug 27, 2026 / receipt

Expanding internationally

ir_statement / Aug 27, 2026 / receipt

Growing the number of network members

ir_statement / Aug 27, 2026 / receipt

Increasing adoption by our existing customers

ir_statement / Aug 27, 2026 / receipt

Growing adoption & usage

ir_statement / Aug 27, 2026 / receipt

the total card payment volume transacted by spending businesses that used BILL Divvy Cards was approximately $6.2 billion;

ir_statement / Aug 27, 2026 / receipt

the total number of spending businesses that used our BILL Spend and Expense solution was approximately 42,500;

ir_statement / Aug 27, 2026 / receipt

the total transactions executed by spending businesses that used BILL Divvy Cards were approximately 18.8 million;

ir_statement / Aug 27, 2026 / receipt