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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.49
RATE's Cash to Debt is ranked lower than
83% of the 351 Companies
in the Global Internet Content & Information industry.

( Industry Median: 14.00 vs. RATE: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
RATE' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 930.89 Max: No Debt
Current: 0.49
Equity to Asset 0.66
RATE's Equity to Asset is ranked higher than
57% of the 338 Companies
in the Global Internet Content & Information industry.

( Industry Median: 0.62 vs. RATE: 0.66 )
Ranked among companies with meaningful Equity to Asset only.
RATE' s Equity to Asset Range Over the Past 10 Years
Min: -3.55  Med: 0.70 Max: 0.97
Current: 0.66
-3.55
0.97
Z-Score: 2.18
WACC vs ROIC
9.09%
1.35%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 2.05
RATE's Operating margin (%) is ranked lower than
56% of the 345 Companies
in the Global Internet Content & Information industry.

( Industry Median: 3.91 vs. RATE: 2.05 )
Ranked among companies with meaningful Operating margin (%) only.
RATE' s Operating margin (%) Range Over the Past 10 Years
Min: -30.81  Med: 11.67 Max: 29.2
Current: 2.05
-30.81
29.2
Net-margin (%) -1.42
RATE's Net-margin (%) is ranked lower than
65% of the 345 Companies
in the Global Internet Content & Information industry.

( Industry Median: 3.11 vs. RATE: -1.42 )
Ranked among companies with meaningful Net-margin (%) only.
RATE' s Net-margin (%) Range Over the Past 10 Years
Min: -32.72  Med: 3.69 Max: 20.98
Current: -1.42
-32.72
20.98
ROE (%) -1.18
RATE's ROE (%) is ranked lower than
67% of the 314 Companies
in the Global Internet Content & Information industry.

( Industry Median: 6.26 vs. RATE: -1.18 )
Ranked among companies with meaningful ROE (%) only.
RATE' s ROE (%) Range Over the Past 10 Years
Min: -15.08  Med: 2.13 Max: 20.33
Current: -1.18
-15.08
20.33
ROA (%) -0.78
RATE's ROA (%) is ranked lower than
63% of the 352 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.87 vs. RATE: -0.78 )
Ranked among companies with meaningful ROA (%) only.
RATE' s ROA (%) Range Over the Past 10 Years
Min: -8.81  Med: 1.48 Max: 17.82
Current: -0.78
-8.81
17.82
ROC (Joel Greenblatt) (%) 26.16
RATE's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 345 Companies
in the Global Internet Content & Information industry.

( Industry Median: 28.55 vs. RATE: 26.16 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RATE' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -1011.64  Med: 155.50 Max: 307.63
Current: 26.16
-1011.64
307.63
Revenue Growth (3Y)(%) 5.70
RATE's Revenue Growth (3Y)(%) is ranked lower than
51% of the 224 Companies
in the Global Internet Content & Information industry.

( Industry Median: 5.80 vs. RATE: 5.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RATE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.5  Med: 16.15 Max: 43.4
Current: 5.7
-23.5
43.4
EBITDA Growth (3Y)(%) 8.10
RATE's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 170 Companies
in the Global Internet Content & Information industry.

( Industry Median: 7.00 vs. RATE: 8.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RATE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -75.7  Med: 8.10 Max: 41
Current: 8.1
-75.7
41
» RATE's 10-Y Financials

Financials


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

» Details

Guru Trades

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%)
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
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

Columbia Wanger 10,681,664 sh (-2.96%)
» 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
Forward P/E 13.68
RATE's Forward P/E is ranked higher than
71% of the 211 Companies
in the Global Internet Content & Information industry.

( Industry Median: 18.48 vs. RATE: 13.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 1.31
RATE's P/B is ranked higher than
74% of the 419 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.27 vs. RATE: 1.31 )
Ranked among companies with meaningful P/B only.
RATE' s P/B Range Over the Past 10 Years
Min: 1.07  Med: 1.95 Max: 3.17
Current: 1.31
1.07
3.17
P/S 2.03
RATE's P/S is ranked lower than
59% of the 419 Companies
in the Global Internet Content & Information industry.

( Industry Median: 1.64 vs. RATE: 2.03 )
Ranked among companies with meaningful P/S only.
RATE' s P/S Range Over the Past 10 Years
Min: 1.72  Med: 3.36 Max: 5.57
Current: 2.03
1.72
5.57
PFCF 14.64
RATE's PFCF is ranked higher than
76% of the 246 Companies
in the Global Internet Content & Information industry.

( Industry Median: 26.88 vs. RATE: 14.64 )
Ranked among companies with meaningful PFCF only.
RATE' s PFCF Range Over the Past 10 Years
Min: 10.77  Med: 21.59 Max: 121.06
Current: 14.64
10.77
121.06
POCF 12.64
RATE's POCF is ranked higher than
71% of the 319 Companies
in the Global Internet Content & Information industry.

( Industry Median: 19.84 vs. RATE: 12.64 )
Ranked among companies with meaningful POCF only.
RATE' s POCF Range Over the Past 10 Years
Min: 9.59  Med: 18.61 Max: 89.48
Current: 12.64
9.59
89.48
EV-to-EBIT 108.61
RATE's EV-to-EBIT is ranked lower than
93% of the 319 Companies
in the Global Internet Content & Information industry.

( Industry Median: 21.02 vs. RATE: 108.61 )
Ranked among companies with meaningful EV-to-EBIT only.
RATE' s EV-to-EBIT Range Over the Past 10 Years
Min: -234.6  Med: 57.10 Max: 150.7
Current: 108.61
-234.6
150.7
EV-to-EBITDA 16.54
RATE's EV-to-EBITDA is ranked lower than
51% of the 359 Companies
in the Global Internet Content & Information industry.

( Industry Median: 15.34 vs. RATE: 16.54 )
Ranked among companies with meaningful EV-to-EBITDA only.
RATE' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.2  Med: 18.50 Max: 50.6
Current: 16.54
9.2
50.6
Current Ratio 4.22
RATE's Current Ratio is ranked higher than
83% of the 344 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.08 vs. RATE: 4.22 )
Ranked among companies with meaningful Current Ratio only.
RATE' s Current Ratio Range Over the Past 10 Years
Min: 0.66  Med: 3.71 Max: 21.3
Current: 4.22
0.66
21.3
Quick Ratio 4.22
RATE's Quick Ratio is ranked higher than
83% of the 344 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.01 vs. RATE: 4.22 )
Ranked among companies with meaningful Quick Ratio only.
RATE' s Quick Ratio Range Over the Past 10 Years
Min: 0.66  Med: 3.71 Max: 21.3
Current: 4.22
0.66
21.3
Days Sales Outstanding 50.21
RATE's Days Sales Outstanding is ranked higher than
51% of the 276 Companies
in the Global Internet Content & Information industry.

( Industry Median: 50.67 vs. RATE: 50.21 )
Ranked among companies with meaningful Days Sales Outstanding only.
RATE' s Days Sales Outstanding Range Over the Past 10 Years
Min: 37.18  Med: 50.75 Max: 72.75
Current: 50.21
37.18
72.75
Days Payable 16.26
RATE's Days Payable is ranked lower than
84% of the 252 Companies
in the Global Internet Content & Information industry.

( Industry Median: 54.47 vs. RATE: 16.26 )
Ranked among companies with meaningful Days Payable only.
RATE' s Days Payable Range Over the Past 10 Years
Min: 4.56  Med: 20.54 Max: 92.17
Current: 16.26
4.56
92.17

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.93
RATE's Price/Projected FCF is ranked higher than
77% of the 211 Companies
in the Global Internet Content & Information industry.

( Industry Median: 1.77 vs. RATE: 0.93 )
Ranked among companies with meaningful Price/Projected FCF only.
RATE' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.88  Med: 1.50 Max: 2.56
Current: 0.93
0.88
2.56
Price/Median PS Value 0.61
RATE's Price/Median PS Value is ranked higher than
71% of the 401 Companies
in the Global Internet Content & Information industry.

( Industry Median: 9999.00 vs. RATE: 0.61 )
Ranked among companies with meaningful Price/Median PS Value only.
RATE' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.58  Med: 1.02 Max: 1.6
Current: 0.61
0.58
1.6
Price/Graham Number 7.03
RATE's Price/Graham Number is ranked lower than
84% of the 319 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.46 vs. RATE: 7.03 )
Ranked among companies with meaningful Price/Graham Number only.
RATE' s Price/Graham Number Range Over the Past 10 Years
Min: 3.78  Med: 9.91 Max: 14.09
Current: 7.03
3.78
14.09
Earnings Yield (Greenblatt) (%) 0.91
RATE's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 329 Companies
in the Global Internet Content & Information industry.

( Industry Median: 2.30 vs. RATE: 0.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RATE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 1.70 Max: 6.7
Current: 0.91
0.7
6.7
Forward Rate of Return (Yacktman) (%) -10.57
RATE's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 111 Companies
in the Global Internet Content & Information industry.

( Industry Median: 16.61 vs. RATE: -10.57 )
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: -16.9  Med: 0.80 Max: 44.5
Current: -10.57
-16.9
44.5

More Statistics

Revenue(Mil) $552
EPS $ -0.08
Beta1.28
Short Percentage of Float6.89%
52-Week Range $8.87 - 15.80
Shares Outstanding(Mil)99.38

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 527 553 574
EPS($) 0.68 0.72 0.80
EPS without NRI($) 0.68 0.72 0.80

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 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 
Weekly CFO Sells Highlight: SLCA, UNH, LVS, RATE, MDVN, YUM, TER Feb 14 2012 

More From Other Websites
Finances Are Preventing 45% of Non-Homeowners from Buying Homes Feb 09 2016
Coverage initiated on Bankrate by Sidoti Feb 08 2016
Bankrate: Mortgage Rates Fall For Fifth Consecutive Week Feb 04 2016
24 Million Americans Likely to Take Personal Loans This Year Jan 28 2016
Bankrate: Mortgage Rates Fall to a 3-Month Low Jan 28 2016
BANKRATE, INC. Files SEC form 8-K, Amendment or Waiver to Code of Ethics, Financial Statements and... Jan 22 2016
Bankrate: Mortgage Rates Drop Below 4 Percent Jan 21 2016
41% of Americans Are Concerned About Rising Interest Rates in 2016 Jan 20 2016
Bankrate: Mortgage Rates Continue to Pull Back Jan 14 2016
Bankrate: Mortgage Rates Start 2016 on the Downswing Jan 07 2016
63% of Americans Can't Afford $500 Car Repair or $1,000 Emergency Room Visit Jan 06 2016
BANKRATE, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Other Events,... Jan 05 2016
Bankrate: Mortgage Rates End the Year at 5-Month High Dec 31 2015
Bankrate Announces Closing of Sale of Insurance Business Dec 29 2015
Bankrate Announces Closing of Sale of Insurance Business Dec 29 2015
Bankrate: Mortgage Rates Tick Higher Dec 23 2015
Bankrate, Inc. breached its 50 day moving average in a Bearish Manner : December 21, 2015 Dec 21 2015
Nearly Four in 10 Americans Haven't Visited Bank Branch in Six Months Dec 21 2015
Bankrate: Mortgage Rates Nosed Higher Leading Up to Fed Hike Dec 17 2015
Just 22% of U.S. Workers Expect a Holiday Bonus Dec 15 2015

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