BILL vs CSGP Stock Comparison
BILL currently leads CSGP in this stock comparison, with AIQ scores of 64 vs 59. The clearest difference is value, while CSGP has the stronger quality profile.
What is the main difference between BILL and CSGP?
BILL leads the current stock comparison as Bill.com Holdings, Inc., with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Bill.com Holdings, Inc. vs CoStar Group, Inc.
BILL leads
BILL leads by 5 AIQ points, primarily on Value and Momentum, and the lead has widened from 2 points over 30 sessions. Wall Street currently favors CSGP on target upside.
Fragile: 3 of 6 evidence groups support BILL, its lead is widening, and its current signal state is conflicted.
Bill.com Holdings, Inc.
CoStar Group, Inc.
The Algovestiq AIQ Score currently favors BILL over CSGP, 64 versus 59 as of Oct 21, 2026. BILL's advantage is driven primarily by stronger value and momentum, while CSGP holds the stronger quality profile. BILL also shows the weaker technical structure relative to its 50-day moving average, though analyst target upside currently favors CSGP. 3 of 6 covered evidence groups favor BILL today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 5 points. BILL lead: Strengthening — the AIQ differential moved from 2 to 5 points over 30 sessions.
Compare Bill.com Holdings, Inc. and CoStar Group, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price return from daily closes; distributions are not included.
Price return comparison
Growth of $10,000, price only
Split-adjusted closes only. Distributions are excluded, which understates the return of any fund or stock that pays them.
Compare BILL and CSGP against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value67 vs 46BILL +21
- Quality52 vs 59CSGP +7
- Momentum80 vs 74BILL +6
- Risk Resilience53 vs 58CSGP +5
3 of 6 evidence groups favor BILL. BILL’s edge is concentrated in value and momentum; CSGP keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +15
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
- Keltner Channel Breakout — bullish, volatility, short horizon
- RSI Overbought — bearish, momentum, short horizon
Largest factor move: Risk Resilience -1, not enough on its own to move the overall score.
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
BILL's lead widened by 4 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — BILL and CSGP both carry a full feed there.
The central trade-off
BILL (Bill.com Holdings, Inc.): the stronger current systematic profile, led by value and momentum.
CSGP (CoStar Group, Inc.): the counter-case, on quality, risk resilience, fundamentals.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
BILLBILL on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
CSGPCSGP on combined revenue and EPS growth.
Value
BILLBILL on the peer-relative Value factor, by 21 points.
Momentum
BILLBILL on the Momentum factor, by 6 points.
Lower downside
CSGPCSGP on Risk Resilience, by 5 points.
Analyst upside
CSGPCSGP on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors BILL, analyst targets favor CSGP. That disagreement is the most useful thing on this page.
| Measure | BILL | CSGP | Note |
|---|---|---|---|
| Implied upside to target | +6.3% | +16% | CSGP has more room |
| Target dispersion | +48% | +62.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 9 | 11 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor BILL. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | BILL | 64 vs 59 |
| Fundamentals | CSGPon balance | revenue growth 7.3% vs 3.1%; EPS growth -250% vs 18.2%; TTM ROE -0.3% vs 0.9%; gross margin 80.9% vs 76.5%; operating margin 1.1% vs 2.2% — CSGP takes 3 of 5 decided legs, not all of them |
| Valuation | BILL | Value 67 vs 46 |
| Technicals | BILL | Price vs 50-day 4.4% vs 8.3%; vs 200-day 14.9% vs -15.6% |
| Risk Resilience | CSGP | Risk Resilience 53 vs 58 |
| Analyst expectations | CSGP | Target upside 6.3% vs 16% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BILL and CSGP and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 5 points. (argues the conclusion is provisional)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been widening. (supports the conclusion holding)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on BILL.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20BILL lead: Strengthening — the AIQ differential moved from 2 to 5 points over 30 sessions.
- Today
- BILL +5
- 64 vs 59
- 7 sessions ago
- Level
- 59 vs 59
- 30 sessions ago
- BILL +2
- 49 vs 47
- 90 sessions ago
- BILL +8
- 60 vs 52
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
5 bullish / 2 bearish / 2 neutral, conflicted
Only BILL
- Golden Cross Active — bullish, trend, long horizon (9.90%)
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (3.73%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
2 bullish / 3 bearish / 1 neutral, conflicted
Only CSGP
- Death Cross Active — bearish, trend, long horizon (24.81%)
Both carry 5 more signals that do not separate them: Bollinger Band Squeeze, BB Upper Band Breach, Keltner Channel Breakout, RSI Overbought, MACD Bullish Crossover.
BILL leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price is down while the AIQ Score moved up 4 points over the same session — price and model disagree (price -0.16%, AIQ +4 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.45%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1CSGP closes the Value gap — currently 21 points behind, the largest single contributor to BILL's edge.
- 2CSGP's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3BILL's conflicting signal state resolves bearish — it currently carries 5 bullish and 2 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
CSGP leads on balance| Metric | BILL | CSGP |
|---|---|---|
| Revenue growth (YoY) | 7.3% | 3.1% |
| EPS growth (YoY) | -250% | 18.2% |
| Gross margin | 80.9% | 76.5% |
| Operating margin | 1.1% | 2.2% |
| Return on equity (TTM) | -0.3% | 0.9% |
| Debt to equity | 0.54 | 0.15 |
Performance
BILL leads 5 of 6 windows| Metric | BILL | CSGP |
|---|---|---|
| 1 week (5 sessions) | 11.6% | 10.2% |
| 1 month (20 sessions) | 5.6% | 14.9% |
| 3 months (63 sessions) | 17.2% | 8.2% |
| 6 months (126 sessions) | 23.4% | -18.7% |
| Year to date | -10% | -50.8% |
| 1 year (252 sessions) | -1.1% | -56.6% |
Technicals
BILL has the stronger structure| Metric | BILL | CSGP |
|---|---|---|
| RSI (14) | 76.1 | 73.7 |
| ADX (14) | 16.7 | 24.9 |
| Price vs 50-day | 4.4% | 8.3% |
| Price vs 200-day | 14.9% | -15.6% |
| Volatility (1M, annualized) | 47.3% | 44.4% |
Risk
CSGP is the more resilient| Metric | BILL | CSGP |
|---|---|---|
| Beta | 1.53 | 0.21 |
| Sharpe ratio | 0.17 | -1.61 |
| Sortino ratio | 0.32 | -2.12 |
| Max drawdown | -43.2% | -65.5% |
| Current drawdown | -12.8% | -57.8% |
| Annualized volatility | 62.9% | 45.9% |
| Value at risk (95%) | -4.9% | -4.5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BILL or CSGP?
On the Algovestiq AIQ Score, BILL is the stronger of the two as of Oct 21, 2026, scoring 64 against CSGP's 59. The edge comes from value and momentum. CSGP is not without a case — it holds the better quality profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is BILL or CSGP the better buy right now?
BILL carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 5 points. Treat the lead as provisional.
Why does the AIQ Score favor BILL over CSGP?
The composite weights Quality, Value, Momentum and Risk Resilience. BILL leads Value by 21 points; CSGP leads Quality by 7 points; BILL leads Momentum by 6 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BILL or CSGP?
Analyst price targets imply +6.3% upside for BILL and +16% for CSGP, so the Street currently favors CSGP. That points the opposite way to the AIQ Score, which favors BILL. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BILL or CSGP?
BILL is the better-valued of the two on the peer-relative Value factor. BILL on the peer-relative Value factor, by 21 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, BILL or CSGP?
CSGP on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, BILL or CSGP?
BILL on the Momentum factor, by 6 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, BILL or CSGP?
CSGP is the more resilient of the two, so the other name carries the higher downside risk. CSGP on Risk Resilience, by 5 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is BILL more profitable than CSGP?
The profitability evidence is mixed: gross margin 80.9% vs 76.5%; operating margin 1.1% vs 2.2%; ttm roe -0.3% vs 0.9%. BILL leads on one measure and CSGP on two measures, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is BILL's lead over CSGP getting stronger or weaker?
BILL lead: Strengthening — the AIQ differential moved from 2 to 5 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has not changed hands in that window.
What would change the BILL vs CSGP verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: CSGP closes the Value gap — currently 21 points behind, the largest single contributor to BILL's edge; CSGP's Death Cross Active resolves — a bearish trend rule currently active against it; BILL's conflicting signal state resolves bearish — it currently carries 5 bullish and 2 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about BILL and CSGP?
BILL: 5 bullish / 2 bearish / 2 neutral, conflicted. CSGP: 2 bullish / 3 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on BILL is Golden Cross Active (bullish, long horizon). On CSGP it is Death Cross Active (bearish, long horizon).
Compare BILL and CSGP with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.