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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.41
RATE's Cash to Debt is ranked lower than
85% of the 369 Companies
in the Global Internet Content & Information industry.

( Industry Median: 9.65 vs. RATE: 0.41 )
Ranked among companies with meaningful Cash to Debt only.
RATE' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 623.11 Max: No Debt
Current: 0.41
Equity to Asset 0.62
RATE's Equity to Asset is ranked higher than
52% of the 354 Companies
in the Global Internet Content & Information industry.

( Industry Median: 0.61 vs. RATE: 0.62 )
Ranked among companies with meaningful Equity to Asset only.
RATE' s Equity to Asset Range Over the Past 10 Years
Min: -3.55  Med: 0.7 Max: 0.97
Current: 0.62
-3.55
0.97
F-Score: 5
Z-Score: 1.26
M-Score: -3.32
WACC vs ROIC
8.24%
-1.67%
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 : 5/10

vs
industry
vs
history
Operating margin (%) -2.27
RATE's Operating margin (%) is ranked lower than
68% of the 360 Companies
in the Global Internet Content & Information industry.

( Industry Median: 5.05 vs. RATE: -2.27 )
Ranked among companies with meaningful Operating margin (%) only.
RATE' s Operating margin (%) Range Over the Past 10 Years
Min: -30.81  Med: 13.17 Max: 28.92
Current: -2.27
-30.81
28.92
Net-margin (%) -20.61
RATE's Net-margin (%) is ranked lower than
80% of the 360 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.94 vs. RATE: -20.61 )
Ranked among companies with meaningful Net-margin (%) only.
RATE' s Net-margin (%) Range Over the Past 10 Years
Min: -32.72  Med: -0.84 Max: 20.98
Current: -20.61
-32.72
20.98
ROE (%) -7.76
RATE's ROE (%) is ranked lower than
72% of the 338 Companies
in the Global Internet Content & Information industry.

( Industry Median: 5.96 vs. RATE: -7.76 )
Ranked among companies with meaningful ROE (%) only.
RATE' s ROE (%) Range Over the Past 10 Years
Min: -15.08  Med: -0.37 Max: 10.35
Current: -7.76
-15.08
10.35
ROA (%) -5.10
RATE's ROA (%) is ranked lower than
69% of the 371 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.72 vs. RATE: -5.10 )
Ranked among companies with meaningful ROA (%) only.
RATE' s ROA (%) Range Over the Past 10 Years
Min: -8.81  Med: -0.26 Max: 9.9
Current: -5.1
-8.81
9.9
ROC (Joel Greenblatt) (%) -14.28
RATE's ROC (Joel Greenblatt) (%) is ranked lower than
65% of the 365 Companies
in the Global Internet Content & Information industry.

( Industry Median: 29.99 vs. RATE: -14.28 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RATE' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -1011.64  Med: 170.84 Max: 307.63
Current: -14.28
-1011.64
307.63
Revenue Growth (3Y)(%) -6.30
RATE's Revenue Growth (3Y)(%) is ranked lower than
75% of the 247 Companies
in the Global Internet Content & Information industry.

( Industry Median: 8.60 vs. RATE: -6.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RATE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.5  Med: 15.4 Max: 43.5
Current: -6.3
-23.5
43.5
EBITDA Growth (3Y)(%) 2.30
RATE's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 187 Companies
in the Global Internet Content & Information industry.

( Industry Median: 4.90 vs. RATE: 2.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RATE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -78.5  Med: 7.9 Max: 41.1
Current: 2.3
-78.5
41.1
EPS Growth (3Y)(%) -13.70
RATE's EPS Growth (3Y)(%) is ranked lower than
65% of the 166 Companies
in the Global Internet Content & Information industry.

( Industry Median: 4.80 vs. RATE: -13.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RATE' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -74.5  Med: -10.8 Max: 21
Current: -13.7
-74.5
21
» RATE's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-11-05)


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

» Details

Guru Trades

Q3 2015

RATE Guru Trades in Q3 2015

Joel Greenblatt 207,777 sh (New)
Paul Tudor Jones 54,820 sh (+159.28%)
Chuck Royce 906,134 sh (+27.33%)
Steven Cohen 438,400 sh (+5.16%)
Columbia Wanger 11,007,061 sh (+4.33%)
Mariko Gordon Sold Out
» More
Q4 2015

RATE Guru Trades in Q4 2015

Jim Simons 399,300 sh (New)
Paul Tudor Jones 56,554 sh (+3.16%)
Chuck Royce 920,634 sh (+1.60%)
Steven Cohen Sold Out
Columbia Wanger 10,681,664 sh (-2.96%)
Joel Greenblatt 11,313 sh (-94.56%)
» More
Q1 2016

RATE Guru Trades in Q1 2016

Joel Greenblatt 280,012 sh (+2375.13%)
Jim Simons 1,080,400 sh (+170.57%)
Paul Tudor Jones 136,579 sh (+141.50%)
Columbia Wanger 4,203,948 sh (-60.64%)
Chuck Royce 169,634 sh (-81.57%)
» More
Q2 2016

RATE Guru Trades in Q2 2016

Jim Simons 1,953,055 sh (+80.77%)
Joel Greenblatt 420,248 sh (+50.08%)
Paul Tudor Jones 159,379 sh (+16.69%)
Columbia Wanger Sold Out
Chuck Royce Sold Out
» 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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Business Description

Industry: Online Media » Internet Content & Information
Compare:OTCPK:XNGAF, NYSE:RENN, NAS:TRUE, NAS:ANGI, OTCPK:FCMUF, NAS:WEB, NAS:BCOR, NAS:XXIA, OTCPK:MOXC, NYSE:CRCM, NAS:TCX, NAS:JMU, NAS:MEET, NYSE:FENG, NAS:TTGT, NAS:NAME, NAS:TNAV, NAS:LLNW, NAS:ABTL, NAS:TZOO » details
Traded in other countries:7BK.Germany,
Bankrate Inc and its subsidiaries own and operate an Internet-based consumer banking and personal finance network.

Bankrate Inc was founded in 1976 and Bankrate, Inc. was incorporated in the State of Delaware in 2011. It aggregates large scale audiences of in-market consumers by providing them with proprietary, fully researched, comprehensive, independent and objective personal finance editorial content across multiple verticals including mortgages, deposits, credit cards, senior care and other categories, such as retirement, automobile loans, credit management techniques and taxes. Its content and rate information is distributed through two main sources: through its owned and operated websites and online co-brands and through its partners. It owns a network of proprietary websites focused on specific vertical categories, including mortgages, deposits, credit cards, senior care and other personal finance categories. The Company also develops and provides content, tools, web services and co-branded websites to over 150 online partners. The Company's business is organized into the following reportable segments: Banking, Credit Cards, Senior Care, and Other. The Banking segment offers information on rates for various types of mortgages, home lending and refinancing options, specific to geographic location and covering all 50 states, and personal and auto loans; rate information on various deposit products such as money markets, savings and certificates of deposits; and information on retirement, taxes and debt management. This segment also provides original articles on topics related to the housing market and loan refinancing; provides online analytic tools and services to calculate investment values, provide home loan estimates and recommendations, budget planning and credit reports and monitoring; and provides content on topics such as retirement 401(k) accounts, Social Security, tax deductions and exemptions, auto loans, debt consolidation and management and credit risk and credit management techniques. The Credit Cards segment presents visitors with 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, calculators, products and services to estimate credit scores and card benefits, provide identity theft protection and credit monitoring. The Senior Care segment is an online destination for those seeking information and support as they care for aging parents and loved ones. It provides thousands of original articles, helpful tools, a comprehensive online senior living community directory for the United States, a local directory covering a wide array of other senior caregiving services, and the collective wisdom of an involved online community. The Other segment includes results of operations of Quizzle, through wich it provides consumers with tools, services and content that includes credit monitoring, identity theft protection, debt management, credit reports and cred

Ratios

vs
industry
vs
history
Forward P/E 14.45
RATE's Forward P/E is ranked higher than
82% of the 67 Companies
in the Global Internet Content & Information industry.

( Industry Median: 23.31 vs. RATE: 14.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 1.07
RATE's P/B is ranked higher than
88% of the 332 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.83 vs. RATE: 1.07 )
Ranked among companies with meaningful P/B only.
RATE' s P/B Range Over the Past 10 Years
Min: 0.94  Med: 1.8 Max: 3.17
Current: 1.07
0.94
3.17
P/S 2.59
RATE's P/S is ranked lower than
56% of the 347 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.05 vs. RATE: 2.59 )
Ranked among companies with meaningful P/S only.
RATE' s P/S Range Over the Past 10 Years
Min: 2.2  Med: 3.87 Max: 7.03
Current: 2.59
2.2
7.03
PFCF 13.06
RATE's PFCF is ranked higher than
78% of the 120 Companies
in the Global Internet Content & Information industry.

( Industry Median: 24.29 vs. RATE: 13.06 )
Ranked among companies with meaningful PFCF only.
RATE' s PFCF Range Over the Past 10 Years
Min: 9.18  Med: 20.63 Max: 87.2
Current: 13.06
9.18
87.2
POCF 11.80
RATE's POCF is ranked higher than
72% of the 160 Companies
in the Global Internet Content & Information industry.

( Industry Median: 17.66 vs. RATE: 11.80 )
Ranked among companies with meaningful POCF only.
RATE' s POCF Range Over the Past 10 Years
Min: 8.08  Med: 18.08 Max: 67.7
Current: 11.8
8.08
67.7
EV-to-EBITDA 18.23
RATE's EV-to-EBITDA is ranked lower than
57% of the 246 Companies
in the Global Internet Content & Information industry.

( Industry Median: 15.01 vs. RATE: 18.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
RATE' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.9  Med: 16.15 Max: 50.6
Current: 18.23
6.9
50.6
Current Ratio 3.02
RATE's Current Ratio is ranked higher than
70% of the 355 Companies
in the Global Internet Content & Information industry.

( Industry Median: 1.94 vs. RATE: 3.02 )
Ranked among companies with meaningful Current Ratio only.
RATE' s Current Ratio Range Over the Past 10 Years
Min: 0.66  Med: 3.84 Max: 21.3
Current: 3.02
0.66
21.3
Quick Ratio 3.02
RATE's Quick Ratio is ranked higher than
71% of the 355 Companies
in the Global Internet Content & Information industry.

( Industry Median: 1.87 vs. RATE: 3.02 )
Ranked among companies with meaningful Quick Ratio only.
RATE' s Quick Ratio Range Over the Past 10 Years
Min: 0.66  Med: 3.84 Max: 21.3
Current: 3.02
0.66
21.3
Days Sales Outstanding 74.92
RATE's Days Sales Outstanding is ranked lower than
74% of the 290 Companies
in the Global Internet Content & Information industry.

( Industry Median: 50.03 vs. RATE: 74.92 )
Ranked among companies with meaningful Days Sales Outstanding only.
RATE' s Days Sales Outstanding Range Over the Past 10 Years
Min: 37.18  Med: 53.7 Max: 76.21
Current: 74.92
37.18
76.21
Days Payable 16.80
RATE's Days Payable is ranked lower than
87% of the 270 Companies
in the Global Internet Content & Information industry.

( Industry Median: 55.34 vs. RATE: 16.80 )
Ranked among companies with meaningful Days Payable only.
RATE' s Days Payable Range Over the Past 10 Years
Min: 2.6  Med: 19.52 Max: 49.47
Current: 16.8
2.6
49.47

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 1.10
RATE's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 217 Companies
in the Global Internet Content & Information industry.

( Industry Median: -1.60 vs. RATE: 1.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RATE' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -97.3  Med: -5.9 Max: 10.4
Current: 1.1
-97.3
10.4

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.65
RATE's Price/Projected FCF is ranked higher than
92% of the 142 Companies
in the Global Internet Content & Information industry.

( Industry Median: 1.78 vs. RATE: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
RATE' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.62  Med: 1.54 Max: 2.72
Current: 0.65
0.62
2.72
Price/Median PS Value 0.67
RATE's Price/Median PS Value is ranked higher than
74% of the 317 Companies
in the Global Internet Content & Information industry.

( Industry Median: 0.92 vs. RATE: 0.67 )
Ranked among companies with meaningful Price/Median PS Value only.
RATE' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.64  Med: 1 Max: 1.57
Current: 0.67
0.64
1.57
Earnings Yield (Greenblatt) (%) -0.80
RATE's Earnings Yield (Greenblatt) (%) is ranked lower than
65% of the 355 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.40 vs. RATE: -0.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RATE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -0.8  Med: 2.6 Max: 8.1
Current: -0.8
-0.8
8.1
Forward Rate of Return (Yacktman) (%) 7.97
RATE's Forward Rate of Return (Yacktman) (%) is ranked lower than
63% of the 117 Companies
in the Global Internet Content & Information industry.

( Industry Median: 14.94 vs. RATE: 7.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RATE' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -16.5  Med: 2.15 Max: 43.1
Current: 7.97
-16.5
43.1

More Statistics

Revenue (TTM) (Mil) $287.7
EPS (TTM) $ -0.66
Beta1.36
Short Percentage of Float2.35%
52-Week Range $6.59 - 15.80
Shares Outstanding (Mil)90.27

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 425 515
EPS ($) 0.54 0.62
EPS w/o NRI ($) 0.54 0.62
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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 
Weekly Guru Bargains Highlights: BIG, RATE, WCRX, BPT, MCP Dec 24 2012 
Weekly Guru Bargains Highlights: QSII, ARO, GRPN, RATE, SAN Oct 14 2012 
Weekly CFO Sells Highlight: ONNN, CVC, RATE, LPI, MCK Aug 20 2012 
Senior Vice President and CFO of Bankrate Inc. Edward J. Dimaria Sold 107,177 Shares Aug 14 2012 

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Best and Worst Metro Areas for Homeowners Aug 31 2016
Bankrate Reports Second Quarter 2016 Financial Results Aug 28 2016
Bankrate: Mortgage Rates Show Little Change Aug 25 2016
Bankrate: Mortgage Rates in Holding Pattern Aug 18 2016
BANKRATE, INC. Financials Aug 16 2016
31 Million American Workers Are Saving More for Retirement Aug 16 2016
Bankrate's New Management Addresses Legal, Regulatory Issues Aug 11 2016
Bankrate: Mortgage Rates Remain at 2nd Lowest Level of 2016 Aug 11 2016
Coverage initiated on Bankrate by Loop Capital Aug 11 2016
ETF’s with exposure to Bankrate, Inc. : August 10, 2016 Aug 10 2016
Bankrate, Inc. :RATE-US: Earnings Analysis: Q2, 2016 By the Numbers : August 10, 2016 Aug 10 2016
Hawaii Has the Highest Closing Costs, Pennsylvania Has the Lowest Aug 09 2016
Bankrate, Inc. breached its 50 day moving average in a Bullish Manner : RATE-US : August 9, 2016 Aug 09 2016
BANKRATE, INC. Files SEC form 10-Q, Quarterly Report Aug 08 2016
Bankrate Inc. reports 2Q loss Aug 04 2016
Bankrate Inc. reports 2Q loss Aug 04 2016
Bankrate Inc Earnings Call scheduled for 5:00 pm ET today Aug 04 2016
Bankrate Says Credit Card Segment Set All-Time Record High Aug 04 2016
BANKRATE, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Aug 04 2016
Bankrate Reports Second Quarter 2016 Financial Results Aug 04 2016

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