| Company Name: | Bankrate, Inc. | | Ticker Symbol: | RATE | | | WWW Address: | www.bankrate.com | | CEO: | Thomas R. Evans | | No. of Employees: | 285 | | Common Issue Type: | CS | | Business Description: | The Company and its subsidiaries own and operate an Internet-based consumer banking and personal finance network.
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| | | Industry Information: | INTERNET - Internet Information Providers [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 28.5 |  0.0 | 28.48 | 28.52 | 0 | 28.52 | 28.48 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 538.7 | 18.9 | 1.59 | 1.01 | 0.00 | 35.2 | 0.0 | 41.92 - 15.77 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 28.50 | $ | | PE Ratio - LTM | 35.2 | |
| Market Capitalisation | 538.2 | mil |
| Latest Shares Outstanding | 18.9 | mil |
| Earnings pS (EPS) | 1.01 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 585,456 | $ |
| Effective Tax Rate | 43.4 | % |
| Float | 14.6 | mil |
| Float as % of Shares Outstanding | 77.4 | % |
| Foreign Sales | 0 | mil |
| Domestic Sales | 0 | mil |
| Selling, General & Adm/tive (SG&A) as % of Revenue | 29.60 | % |
| Research & Devlopment (R&D) as % of Revenue | 4.70 | % |
| Gross Profit Margin | 60.8 | % |
| EBITDA Margin | 26.5 | % |
| Pre-Tax Profit Margin | 17.8 | % |
| Assets Turnover | 0.6 | % |
| Return on Assets (ROA) | 5.7 | % |
| Return on Equity (ROE) | 5.9 | % |
| Return on Capital Invested (ROCI) | 5.9 | % |
| Current Ratio | 8.7 | |
| Leverage Ratio (Assets/Equity) | 1.0 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.00 | |
| LT Debt/Total Capital | 0.0 | % |
| Working Capital pS | 3.41 | $ |
| Cash pS | 2.92 | $ |
| Book-Value pS | 13.73 | $ |
| Tangible Book-Value pS | 4.20 | $ |
| Cash Flow pS | 1.42 | $ |
| Free Cash Flow pS | -0.85 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 2.08 | |
| Price/Tangible Book Ratio | 6.79 | |
| Price/Cash Flow | 20.1 | |
| Price/Free Cash Flow | -33.5 | |
| P/E as % of Industry Group | 25.0 | % |
| P/E as % of Sector Segment | 44.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.0 | 98 | 1,518 | 0 |
| 4 Weeks | 28.52 | 28.45 | 28.48 | 0.1 | 96 | 1,300 | 19,501 |
| 13 Weeks | 29.40 | 22.12 | 23.26 | 22.5 | 103 | 4,271 | 256,270 |
| 26 Weeks | 31.86 | 22.12 | 25.30 | 12.6 | 89 | 3,701 | 451,531 |
| 52 Weeks | 41.92 | 15.77 | 34.17 | -16.6 | 86 | 4,065 | 1,004,142 |
| YTD | 41.92 | 15.77 | - | -25.0 | 64 | 4,136 | 769,247 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 28.50 | 28.50 | 28.44 | 26.33 | 27.78 | 1.59 | 1.33 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 34.43 | 93.8 | 30.31 |
| Income | 5.65 | 15.8 | 14.15 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 183.40 | NA | 63.34 |
| R&D | 27.02 | NA | 33.93 |
| Normalized Inc. | 6.78 | NA | 16.06 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -16.1 | -22.8 | 74.5 |
| Earnings % | -39.1 | -52.7 | -2.2 |
| EPS % | -38.2 | -52.4 | -2.9 |
| EPS $ | -0.21 | -0.11 | -0.03 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Net Working Capital Ratio | 18.05 |
| Current Ratio | 3.2 |
| Quick Ratio (Acid Test) | 3.1 |
| Liquidity Ratio (Cash) | 2.08 |
| Receivables Turnover | 8.0 |
| Average Collection Period | 45 |
| Working Capital/Equity | 19.7 |
| Working Capital pS | 2.60 |
| Cash-Flow pS | 1.53 |
| Free Cash-Flow pS | -4.10 |
| FINANCIAL STRUCTURE RATIOS |
| Altman's Z-Score Ratio | 15.81 |
| Financial Leverage Ratio (Assets/Equity) | 1.1 |
| Debt Ratio | 8.2 |
| Total Debt/Equity (Gearing Ratio) | 0.00 |
| LT Debt/Equity | 0.00 |
| LT Debt/Capital Invested | 0.1 |
| LT Debt/Total Liabilities | 0.0 |
| Interest Cover | 0.0 |
| Interest/Capital Invested | 0.00 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.76 |
| Tobin's Q Ratio | 1.99 |
| Current P/E Ratio - LTM | 35.20 |
| Enterprise Value (EV)/EBITDA | 11.52 |
| Enterprise Value (EV)/Free Cash Flow | -8.54 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 6.79 |
| Price/Book Ratio - LTM | 2.08 |
| Price/Cash Flow Ratio | 20.1 |
| Price/Free Cash Flow Ratio - LTM | -33.5 |
| Price/Sales Ratio | 3.51 |
| P/E Ratio (1 month ago) - LTM | 35.1 |
| P/E Ratio (26 weeks ago) - LTM | 25.0 |
| P/E Ratio (52 weeks ago) - LTM | 32.5 |
| 5-Y High P/E Ratio | 93.0 |
| 5-Y Low P/E Ratio | 8.3 |
| 5-Y Average P/E Ratio | 44.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 80 |
| P/E as % of Industry Group | 25.0 |
| P/E as % of Sector Segment | 44.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 30.3 |
| PER SHARE FIGURES |
| LT Debt pS | 0.00 |
| Current Liabilities pS | 1.18 |
| Tangible Book Value pS - LTM | 4.20 |
| Book Value pS - LTM | 13.73 |
| Capital Invested pS | 13.15 |
| Cash pS - LTM | 2.92 |
| Cash Flow pS - LTM | 1.42 |
| Free Cash Flow pS - LTM | -0.85 |
| Earnings pS (EPS) | 1.01 |
| | | | OPERATING RATIOS | | PROFITABILITY RATIOS |
| Free Cash Flow Margin | -46.23 |
| Free Cash Flow Margin 5YEAR AVG | -14.37 |
| Net Profit Margin | 11.8 |
| Net Profit Margin - 5YEAR AVRG. | 16.9 |
| Equity Productivity | 0.67 |
| Return on Equity (ROE) | 7.9 |
| Return on Equity (ROE) - 5YEAR AVRG. | 9.9 |
| Capital Invested Productivity | 0.67 |
| Return on Capital Invested (ROCI) | 7.9 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 9.9 |
| Assets Productivity | 0.70 |
| Return on Assets (ROA) | 7.2 |
| Return on Assets (ROA) - 5YEAR AVRG. | 9.3 |
| Gross Profit Margin | 60.8 |
| Gross Profit Margin - 5YEAR AVRG. | 67.6 |
| EBITDA Margin - LTM | 26.5 |
| EBIT Margin - LTM | 17.8 |
| Pre-Tax Profit Margin | 20.8 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 25.6 |
| Effective Tax Rate | 43.4 |
| Effective Tax Rate - 5YEAR AVRG. | 21.6 |
| EFFICIENCY RATIOS |
| Cash Conversion Cycle | 49 |
| Revenue per Employee | 585,456 |
| Net Income per Employee | 68,846 |
| Average Collection Period | 49 |
| Receivables Turnover | 8.0 |
| Day's Inventory Turnover Ratio | 0 |
| Inventory Turnover | 0.0 |
| Inventory/Sales | 0.0 |
| Accounts Payble/Sales | 2.23 |
| Assets/Revenue | 1.43 |
| Net Working Capital Turnover | 3.41 |
| Fixed Assets Turnover | 0.84 |
| Total Assets Turnover | 0.7 |
| Revenue per $ Cash | 3.62 |
| Revenue per $ Plant | 66.19 |
| Revenue per $ Common Equity | 0.67 |
| Revenue per $ Capital Invested | 0.67 |
| Selling, General & Adm/tive (SG&A) as % of Revenue | 29.3 |
| SG&A Expense as % of Revenue - 5YEAR AVRG. | 35.1 |
| Research & Devlopment (R&D) as % of Revenue | 4.3 |
| R&D Expense as % of Revenue - 5YEAR AVRG. | 4.3 |
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