BILL vs. DUOL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at BILL and DUOL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | BILL | DUOL |
|---|---|---|
| Company Name | BILL Holdings, Inc. | Duolingo, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Consumer Discretionary |
| GICS Industry | Software | Diversified Consumer Services |
| Market Capitalization | 4.16 billion USD | 15.03 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | December 12, 2019 | July 28, 2021 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of BILL and DUOL by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | BILL | DUOL |
|---|---|---|
| 5-Day Price Return | -2.65% | -16.10% |
| 13-Week Price Return | -14.69% | -36.67% |
| 26-Week Price Return | -58.06% | -15.78% |
| 52-Week Price Return | -13.08% | 80.43% |
| Month-to-Date Return | -5.69% | -5.37% |
| Year-to-Date Return | -52.30% | 1.14% |
| 10-Day Avg. Volume | 2.75M | 2.76M |
| 3-Month Avg. Volume | 2.16M | 1.13M |
| 3-Month Volatility | 37.28% | 49.18% |
| Beta | 1.40 | 0.83 |
Profitability
Return on Equity (TTM)
BILL
0.97%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
BILL’s Return on Equity of 0.97% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.
DUOL
13.32%
Diversified Consumer Services Industry
- Max
- 32.65%
- Q3
- 29.77%
- Median
- 16.63%
- Q1
- 11.08%
- Min
- 2.26%
DUOL’s Return on Equity of 13.32% is on par with the norm for the Diversified Consumer Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
BILL
2.70%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
BILL’s Net Profit Margin of 2.70% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.
DUOL
13.24%
Diversified Consumer Services Industry
- Max
- 18.84%
- Q3
- 13.34%
- Median
- 12.22%
- Q1
- 7.92%
- Min
- 3.76%
DUOL’s Net Profit Margin of 13.24% is aligned with the median group of its peers in the Diversified Consumer Services industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
BILL
-2.82%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
BILL has a negative Operating Profit Margin of -2.82%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
DUOL
9.54%
Diversified Consumer Services Industry
- Max
- 26.63%
- Q3
- 19.23%
- Median
- 15.23%
- Q1
- 8.71%
- Min
- -0.71%
DUOL’s Operating Profit Margin of 9.54% is around the midpoint for the Diversified Consumer Services industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | BILL | DUOL |
|---|---|---|
| Return on Equity (TTM) | 0.97% | 13.32% |
| Return on Assets (TTM) | 0.41% | 8.57% |
| Net Profit Margin (TTM) | 2.70% | 13.24% |
| Operating Profit Margin (TTM) | -2.82% | 9.54% |
| Gross Profit Margin (TTM) | 81.47% | 72.05% |
Financial Strength
Current Ratio (MRQ)
BILL
1.69
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
BILL’s Current Ratio of 1.69 aligns with the median group of the Software industry, indicating that its short-term liquidity is in line with its sector peers.
DUOL
2.81
Diversified Consumer Services Industry
- Max
- 3.40
- Q3
- 1.97
- Median
- 1.66
- Q1
- 0.60
- Min
- 0.15
DUOL’s Current Ratio of 2.81 is in the upper quartile for the Diversified Consumer Services industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
Debt-to-Equity Ratio (MRQ)
BILL
0.44
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
BILL’s Debt-to-Equity Ratio of 0.44 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
DUOL
0.00
Diversified Consumer Services Industry
- Max
- 2.92
- Q3
- 1.22
- Median
- 0.36
- Q1
- 0.01
- Min
- 0.00
Falling into the lower quartile for the Diversified Consumer Services industry, DUOL’s Debt-to-Equity Ratio of 0.00 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio (TTM)
BILL
-120.22
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
BILL has a negative Interest Coverage Ratio of -120.22. This indicates that its earnings were insufficient to cover even its operational costs, let alone its interest payments, signaling significant financial distress.
DUOL
--
Diversified Consumer Services Industry
- Max
- 13.44
- Q3
- 10.58
- Median
- 5.57
- Q1
- 3.04
- Min
- -2.17
Interest Coverage Ratio data for DUOL is currently unavailable.
Financial Strength at a Glance
| Symbol | BILL | DUOL |
|---|---|---|
| Current Ratio (MRQ) | 1.69 | 2.81 |
| Quick Ratio (MRQ) | 1.66 | 2.77 |
| Debt-to-Equity Ratio (MRQ) | 0.44 | 0.00 |
| Interest Coverage Ratio (TTM) | -120.22 | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
BILL
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
BILL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
DUOL
0.00%
Diversified Consumer Services Industry
- Max
- 2.29%
- Q3
- 0.98%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
DUOL currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
BILL
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
BILL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
DUOL
0.00%
Diversified Consumer Services Industry
- Max
- 35.94%
- Q3
- 25.79%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
DUOL has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | BILL | DUOL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
BILL
107.53
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
A P/E Ratio of 107.53 places BILL in the upper quartile for the Software industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
DUOL
128.23
Diversified Consumer Services Industry
- Max
- 33.95
- Q3
- 25.14
- Median
- 19.27
- Q1
- 15.30
- Min
- 5.58
At 128.23, DUOL’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Diversified Consumer Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Price-to-Sales Ratio (TTM)
BILL
2.91
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
In the lower quartile for the Software industry, BILL’s P/S Ratio of 2.91 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
DUOL
16.98
Diversified Consumer Services Industry
- Max
- 3.29
- Q3
- 2.54
- Median
- 2.27
- Q1
- 1.92
- Min
- 1.28
With a P/S Ratio of 16.98, DUOL trades at a valuation that eclipses even the highest in the Diversified Consumer Services industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
Price-to-Book Ratio (MRQ)
BILL
1.21
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
BILL’s P/B Ratio of 1.21 is in the lower quartile for the Software industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
DUOL
19.08
Diversified Consumer Services Industry
- Max
- 7.00
- Q3
- 6.37
- Median
- 3.31
- Q1
- 2.13
- Min
- 0.98
At 19.08, DUOL’s P/B Ratio is at an extreme premium to the Diversified Consumer Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | BILL | DUOL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 107.53 | 128.23 |
| Price-to-Sales Ratio (TTM) | 2.91 | 16.98 |
| Price-to-Book Ratio (MRQ) | 1.21 | 19.08 |
| Price-to-Free Cash Flow Ratio (TTM) | 13.16 | 46.74 |