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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.47
RATE's Cash to Debt is ranked lower than
84% of the 346 Companies
in the Global Internet Content & Information industry.

( Industry Median: 17.60 vs. RATE: 0.47 )
Ranked among companies with meaningful Cash to Debt only.
RATE' s 10-Year Cash to Debt Range
Min: 0.12  Med: 9999.00 Max: No Debt
Current: 0.47
Equity to Asset 0.66
RATE's Equity to Asset is ranked higher than
57% of the 325 Companies
in the Global Internet Content & Information industry.

( Industry Median: 0.63 vs. RATE: 0.66 )
Ranked among companies with meaningful Equity to Asset only.
RATE' s 10-Year Equity to Asset Range
Min: -3.55  Med: 0.71 Max: 0.97
Current: 0.66
-3.55
0.97
F-Score: 4
Z-Score: 1.93
M-Score: -2.35
WACC vs ROIC
12.70%
3.83%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 10.18
RATE's Operating margin (%) is ranked higher than
68% of the 344 Companies
in the Global Internet Content & Information industry.

( Industry Median: 4.24 vs. RATE: 10.18 )
Ranked among companies with meaningful Operating margin (%) only.
RATE' s 10-Year Operating margin (%) Range
Min: -245.17  Med: 9.64 Max: 29.2
Current: 10.18
-245.17
29.2
Net-margin (%) 3.25
RATE's Net-margin (%) is ranked higher than
51% of the 344 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.60 vs. RATE: 3.25 )
Ranked among companies with meaningful Net-margin (%) only.
RATE' s 10-Year Net-margin (%) Range
Min: -259.84  Med: 0.95 Max: 34.07
Current: 3.25
-259.84
34.07
ROE (%) 2.67
RATE's ROE (%) is ranked lower than
57% of the 319 Companies
in the Global Internet Content & Information industry.

( Industry Median: 5.70 vs. RATE: 2.67 )
Ranked among companies with meaningful ROE (%) only.
RATE' s 10-Year ROE (%) Range
Min: -373.1  Med: 2.13 Max: 91.13
Current: 2.67
-373.1
91.13
ROA (%) 1.76
RATE's ROA (%) is ranked lower than
54% of the 351 Companies
in the Global Internet Content & Information industry.

( Industry Median: 3.09 vs. RATE: 1.76 )
Ranked among companies with meaningful ROA (%) only.
RATE' s 10-Year ROA (%) Range
Min: -183.24  Med: 1.48 Max: 54.83
Current: 1.76
-183.24
54.83
ROC (Joel Greenblatt) (%) 130.75
RATE's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 345 Companies
in the Global Internet Content & Information industry.

( Industry Median: 31.73 vs. RATE: 130.75 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RATE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3093.12  Med: 161.67 Max: 458.49
Current: 130.75
-3093.12
458.49
Revenue Growth (3Y)(%) 5.70
RATE's Revenue Growth (3Y)(%) is ranked higher than
50% of the 224 Companies
in the Global Internet Content & Information industry.

( Industry Median: 5.70 vs. RATE: 5.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RATE' s 10-Year Revenue Growth (3Y)(%) Range
Min: -23.5  Med: 15.85 Max: 43.4
Current: 5.7
-23.5
43.4
EBITDA Growth (3Y)(%) 0.40
RATE's EBITDA Growth (3Y)(%) is ranked lower than
61% of the 170 Companies
in the Global Internet Content & Information industry.

( Industry Median: 5.50 vs. RATE: 0.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RATE' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -75.7  Med: 8.60 Max: 41
Current: 0.4
-75.7
41
» RATE's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

RATE Guru Trades in Q3 2014

Paul Tudor Jones 40,147 sh (New)
Joel Greenblatt 74,863 sh (+123.78%)
Columbia Wanger 5,469,600 sh (+69.00%)
Mariko Gordon 4,081,990 sh (+12.02%)
Jim Simons 255,100 sh (+3.50%)
Chuck Royce 598,934 sh (-9.38%)
Steven Cohen 197,300 sh (-32.59%)
» More
Q4 2014

RATE Guru Trades in Q4 2014

Steven Cohen 1,892,400 sh (+859.15%)
Columbia Wanger 7,107,900 sh (+29.95%)
Mariko Gordon 4,179,145 sh (+2.38%)
Columbia Wanger 7,107,900 sh (unchged)
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
Chuck Royce 593,634 sh (-0.88%)
Jim Simons 159,000 sh (-37.67%)
» More
Q1 2015

RATE Guru Trades in Q1 2015

Paul Tudor Jones 53,626 sh (New)
Columbia Wanger 9,507,600 sh (+33.76%)
Mariko Gordon 5,059,698 sh (+21.07%)
Chuck Royce 658,634 sh (+10.95%)
Jim Simons Sold Out
Steven Cohen 419,000 sh (-77.86%)
» More
Q2 2015

RATE Guru Trades in Q2 2015

Columbia Wanger 10,550,053 sh (+10.96%)
Columbia Wanger 10,550,053 sh (+10.96%)
Chuck Royce 711,634 sh (+8.05%)
Steven Cohen 416,900 sh (-0.50%)
Mariko Gordon 3,321,964 sh (-34.34%)
Paul Tudor Jones 21,143 sh (-60.57%)
» More
» Details

Insider Trades

Latest Guru Trades with RATE

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 71.46
RATE's P/E(ttm) is ranked lower than
82% of the 198 Companies
in the Global Internet Content & Information industry.

( Industry Median: 29.80 vs. RATE: 71.46 )
Ranked among companies with meaningful P/E(ttm) only.
RATE' s 10-Year P/E(ttm) Range
Min: 24.48  Med: 76.02 Max: 423.26
Current: 71.46
24.48
423.26
Forward P/E 17.61
RATE's Forward P/E is ranked higher than
66% of the 111 Companies
in the Global Internet Content & Information industry.

( Industry Median: 23.58 vs. RATE: 17.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 73.20
RATE's PE(NRI) is ranked lower than
82% of the 197 Companies
in the Global Internet Content & Information industry.

( Industry Median: 30.30 vs. RATE: 73.20 )
Ranked among companies with meaningful PE(NRI) only.
RATE' s 10-Year PE(NRI) Range
Min: 24.53  Med: 76.02 Max: 423.26
Current: 73.2
24.53
423.26
P/B 1.13
RATE's P/B is ranked higher than
84% of the 309 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.81 vs. RATE: 1.13 )
Ranked among companies with meaningful P/B only.
RATE' s 10-Year P/B Range
Min: 1.07  Med: 2.04 Max: 3.17
Current: 1.13
1.07
3.17
P/S 1.78
RATE's P/S is ranked lower than
55% of the 332 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.15 vs. RATE: 1.78 )
Ranked among companies with meaningful P/S only.
RATE' s 10-Year P/S Range
Min: 1.79  Med: 3.51 Max: 5.57
Current: 1.78
1.79
5.57
PFCF 14.38
RATE's PFCF is ranked higher than
80% of the 148 Companies
in the Global Internet Content & Information industry.

( Industry Median: 29.14 vs. RATE: 14.38 )
Ranked among companies with meaningful PFCF only.
RATE' s 10-Year PFCF Range
Min: 10.77  Med: 24.12 Max: 128.63
Current: 14.38
10.77
128.63
POCF 11.45
RATE's POCF is ranked higher than
76% of the 203 Companies
in the Global Internet Content & Information industry.

( Industry Median: 23.17 vs. RATE: 11.45 )
Ranked among companies with meaningful POCF only.
RATE' s 10-Year POCF Range
Min: 9.59  Med: 19.81 Max: 89.48
Current: 11.45
9.59
89.48
EV-to-EBIT 27.31
RATE's EV-to-EBIT is ranked lower than
66% of the 204 Companies
in the Global Internet Content & Information industry.

( Industry Median: 19.45 vs. RATE: 27.31 )
Ranked among companies with meaningful EV-to-EBIT only.
RATE' s 10-Year EV-to-EBIT Range
Min: 14.9  Med: 44.80 Max: 193.6
Current: 27.31
14.9
193.6
Current Ratio 3.35
RATE's Current Ratio is ranked higher than
72% of the 338 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.04 vs. RATE: 3.35 )
Ranked among companies with meaningful Current Ratio only.
RATE' s 10-Year Current Ratio Range
Min: 0.66  Med: 3.67 Max: 21.3
Current: 3.35
0.66
21.3
Quick Ratio 3.35
RATE's Quick Ratio is ranked higher than
73% of the 338 Companies
in the Global Internet Content & Information industry.

( Industry Median: 1.97 vs. RATE: 3.35 )
Ranked among companies with meaningful Quick Ratio only.
RATE' s 10-Year Quick Ratio Range
Min: 0.66  Med: 3.67 Max: 21.3
Current: 3.35
0.66
21.3
Days Sales Outstanding 76.59
RATE's Days Sales Outstanding is ranked lower than
73% of the 292 Companies
in the Global Internet Content & Information industry.

( Industry Median: 49.85 vs. RATE: 76.59 )
Ranked among companies with meaningful Days Sales Outstanding only.
RATE' s 10-Year Days Sales Outstanding Range
Min: 25.17  Med: 43.67 Max: 72.75
Current: 76.59
25.17
72.75

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.83
RATE's Price/Projected FCF is ranked higher than
80% of the 132 Companies
in the Global Internet Content & Information industry.

( Industry Median: 1.84 vs. RATE: 0.83 )
Ranked among companies with meaningful Price/Projected FCF only.
RATE' s 10-Year Price/Projected FCF Range
Min: 0.92  Med: 1.52 Max: 2.57
Current: 0.83
0.92
2.57
Price/Median PS Value 0.68
RATE's Price/Median PS Value is ranked higher than
70% of the 295 Companies
in the Global Internet Content & Information industry.

( Industry Median: 0.93 vs. RATE: 0.68 )
Ranked among companies with meaningful Price/Median PS Value only.
RATE' s 10-Year Price/Median PS Value Range
Min: 0.62  Med: 0.99 Max: 1.54
Current: 0.68
0.62
1.54
Earnings Yield (Greenblatt) (%) 3.67
RATE's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 331 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.20 vs. RATE: 3.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RATE' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 2.25 Max: 6.7
Current: 3.67
0.5
6.7
Forward Rate of Return (Yacktman) (%) -12.12
RATE's Forward Rate of Return (Yacktman) (%) is ranked lower than
89% of the 112 Companies
in the Global Internet Content & Information industry.

( Industry Median: 14.84 vs. RATE: -12.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RATE' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -19.9  Med: 3.45 Max: 45.2
Current: -12.12
-19.9
45.2

Analyst Estimate

Dec15
Revenue(Mil) 613
EPS($) 0.62
EPS without NRI($) 0.62

Business Description

Industry: Online Media » Internet Content & Information
Compare:GOOG, FB, TCEHY, BIDU, YHOO » details
Traded in other countries:7BK.Germany,
Bankrate Inc and its subsidiaries own and operate an Internet-based consumer banking and personal finance network. The Company is a publisher, aggregator and distributor of personal finance content on the Internet. It provides consumers with proprietary, fully researched, independent and objective personal finance editorial content across multiple vertical categories including mortgages, deposits, insurance, credit cards, and other categories, such as retirement, automobile loans, and taxes. Its flagship websites, Bankrate.com, CreditCards.com, insuranceQuotes.com and Caring.com are some of the Internet's aggregators of information on more than 300 financial products and services, including mortgages, deposits, credit cards, insurance, and other personal finance categories. Additionally, it provides financial applications and information to a network of distribution partners and through national and state publications. The Company operates the following business segments: Banking, Credit Cards, and Insurance. Banking offers information on rates for various types of mortgages, home lending and refinancing. It maintains current rate information for more than 600 local markets, covering all 50 U.S. states. Consumers can customize searches for mortgage rates by loan size, type, maturity, and location through its online portals. It also offers rate information and original editorial content on various deposit products, retirement, taxes and debt management. Credit Cards presents visitors a comprehensive selection of consumer and business credit and prepaid cards, providing detailed information and comparison capabilities, and host news and advice on personal finance, credit card and bank policies, as well as tools and calculators to estimate credit scores and card benefits. Insurance in conjunction with local agents and insurance carriers, it facilitates a consumer's ability to receive multiple competitive insurance quotes, provide advice and detailed descriptions of insurance terms and articles on topical subjects. It provides consumer inquiries in the banking, credit card, insurance and senior care verticals. Its customers include Capital One, Chase, Bank of America, Discover, Geico, State Farm, Synchrony Bank, Citibank and American Express. It competes for advertising revenues across the broad categories of personal finance content, online credit card marketplaces, and insurance and senior marketplaces, both in traditional media and online. There are many competitors in its market verticals. The Company is subject to government rules and regulations.
» More Articles for NYSE:RATE

Headlines

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A Wake-Up Call Sep 15 2014 
"The Amazon of Insurance" - A Short Story Jun 15 2014 
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Weekly Guru Bargains Highlights: BIG, RATE, WCRX, BPT, MCP Dec 24 2012 
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Weekly CFO Sells Highlight: ONNN, CVC, RATE, LPI, MCK Aug 20 2012 

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