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 credit scores, budget planning and credit management techniques. The Company's largest customers by total revenue generated include Capital One, Chase, Bank of America, American Express, Synchrony Bank, Citibank and Discover. The Company competes for advertising revenues across the broad categories of personal finance content, online credit card marketplaces and senior care marketplaces, both in traditional media and online. The Company is subject to government rules and regulations.
Benzinga is a fast-growing, dynamic and innovative financial media outlet that empowers investors with high-quality, unique content.