Bankrate 10-Q 7 Aug 15 2015 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 31, 2015
Document Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2
Entity Registrant Name	Bankrate, Inc.
Entity Central Index Key	1,518,222
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		103,944,095

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 138,517	$ 141,725
Accounts receivable, net of allowance for doubtful accounts of $364 and $419, respectively	87,306	70,865
Deferred income taxes	6,407	6,407
Prepaid expenses and other current assets	16,411	35,652
Assets held for sale	1,439	1,627
Total current assets	250,080	256,276
Furniture, fixtures and equipment, net of accumulated depreciation of $28,189 and $24,756, respectively	15,832	13,299
Intangible assets, net of accumulated amortization of $256,439 and $228,667, respectively	329,258	338,988
Goodwill	663,589	641,367
Other assets	14,041	13,499
Total assets	1,272,800	1,263,429
Liabilities
Accounts payable	12,257	8,047
Accrued expenses	39,202	46,030
Deferred revenue and customer deposits	4,704	4,303
Accrued interest payable	6,967	6,980
Other current liabilities	11,135	13,629
Liabilities subject to sale	439	1,074
Total current liabilities	74,704	80,063
Deferred income taxes	51,633	51,633
Long term debt, net of unamortized discount	297,900	297,598
Other liabilities	10,427	10,849
Total liabilities	$ 434,664	$ 440,143
Commitments and contingencies (Note 9)
Stockholders' equity
Common stock, par value $.01 per share - 300,000,000 shares authorized 102,844,081 shares and 102,286,646 shares issued respectively; 98,673,094 shares and 98,296,110 shares outstanding, respectively	$ 1,028	$ 1,023
Additional paid-in capital	916,588	904,740
Accumulated deficit	(18,366)	(23,639)
Less: Treasury stock, at cost - 4,170,987 shares and 3,990,536 shares, respectively	(60,775)	(58,472)
Accumulated other comprehensive loss	(339)	(366)
Total stockholders' equity	838,136	823,286
Total liabilities and stockholders' equity	$ 1,272,800	$ 1,263,429

Condensed Consolidated Balance3

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Condensed Consolidated Balance Sheets [Abstract]
Accounts receivable, allowance for doubtful accounts	$ 364	$ 419
Accumulated depreciation	28,189	24,756
Accumulated amortization	$ 256,439	$ 228,667
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	300,000,000	300,000,000
Common stock, shares issued	102,844,081	102,286,646
Common stock, shares outstanding	98,673,094	98,296,110
Treasury stock, shares	4,170,987	3,990,536

Condensed Consolidated Statemen

Condensed Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Condensed Consolidated Statements Of Comprehensive Income [Abstract]
Revenue		$ 132,865	$ 130,367	$ 274,406	$ 266,642
Costs and expenses:
Cost of revenue (excludes depreciation and amortization)		74,671	78,174	153,426	156,682
Sales and marketing		6,292	6,347	12,430	12,434
Product development and technology		9,013	6,979	17,206	13,854
General and administrative		18,536	11,724	36,592	24,266
Legal Fees		3	9,190	3	9,191
Acquisition, offering and related expenses		311	159	574	2,562
Changes in fair value of contingent acquisition consideration		628	743	387	2,150
Depreciation and amortization		15,857	14,590	31,562	28,446
Total costs and expenses		125,311	127,906	252,180	249,585
Income from operations		7,554	2,461	22,226	17,057
Interest and other expenses, net	[1]	6,417	5,162	11,693	10,352
Income (loss) before taxes		1,137	(2,701)	10,533	6,705
Income tax expense (benefit)		664	(874)	4,783	4,000
Net (loss) income from continuing operations		473	(1,827)	5,750	2,705
Net loss from discontinued operations, net of income taxes		(153)	(366)	(477)	(812)
Net (loss) income		$ 320	$ (2,193)	$ 5,273	$ 1,893
Basic net income (loss) per share:
Continuing operations		$ 0	$ (0.02)	$ 0.06	$ 0.03
Discontinued operations				(0.01)	(0.01)
Basic net (loss) income per share		$ 0	$ (0.02)	0.05	0.02
Diluted net income (loss) per share
Continuing operations		$ 0	$ (0.02)	$ 0.05	0.03
Discontinued operations					(0.01)
Diluted net (loss) income per share		$ 0	$ (0.02)	$ 0.05	$ 0.02
Weighted average common shares outstanding:
Basic		102,705,717	101,894,188	102,578,638	101,389,630
Diluted		105,622,507	101,894,188	105,496,332	103,415,647
Other comprehensive income, net of tax		$ 138	$ 129	$ 27	$ 154
Comprehensive income		$ 458	$ (2,064)	$ 5,300	$ 2,047
[1]	2015 includes a $1.2 million charge related to the exit of an office lease.

Condensed Consolidated Stateme5

Condensed Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash flows from operating activities
Net income from continuing operations	$ 5,750	$ 2,705
Adjustments to reconcile net income from continuing operations to net cash provided by (used in) operating activities
Depreciation and amortization	31,562	28,446
Provision for doubtful accounts receivable	267	297
Amortization of deferred financing charges and original issue discount	507	1,080
Stock-based compensation	11,853	8,338
Loss on disposal of assets	44
Changes in fair value of contingent acquisition consideration	387	2,150
Change in operating assets and liabilities, net of effect of business acquisitions
Accounts receivable	(16,629)	(14,211)
Prepaid expenses and other assets	18,417	(20,103)
Accounts payable	4,210	(124)
Accrued expenses	(6,876)	(14,025)
Other liabilities	(5,716)	5,700
Deferred revenue	401	694
Net cash provided by operating activities - continuing operations	44,177	947
Net cash provided by operating activities - discontinued operations	334	114
Net cash provided by operating activities	44,511	1,061
Cash flows from investing activities
Purchases of furniture, fixtures and equipment and capitalized website development costs	(7,283)	(4,251)
Cash used in business acquisitions, net	(30,753)	(54,179)
Net cash used in investing activities - continuing operations	(38,036)	(58,430)
Net cash used in investing activities - discontinued operations	(173)	(159)
Net cash used in investing activities	(38,209)	(58,589)
Cash flows from financing activities
Cash paid for contingent acquisition consideration	(7,169)	(12,683)
Purchase of Company common stock	(2,303)	(6,929)
Proceeds from exercise of stock options, net of costs		22,826
Net cash (used in) provided by financing activities - continuing operations	(9,472)	3,214
Net cash (used in) provided by financing activities	(9,472)	3,214
Effect of exchange rate on cash and cash equivalents	126	22
Net (decrease) increase in cash	(3,044)	(54,292)
Cash - beginning of period	142,051	230,071
Cash - end of period	142,051	230,071
Cash of continuing operations - end of period	$ 138,517	$ 175,381

Organization And Basis Of Prese

Organization And Basis Of Presentation	6 Months Ended
	Jun. 30, 2015
Organization And Basis Of Presentation [Abstract]
Organization And Basis Of Presentation	NOTE 1 – ORGANIZATION AND BASIS OF PRESENTATION The Company Bankrate, Inc. and its subsidiaries (“Bankrate” or the “Company,” “we,” “us,” “our”) own and operate an Internet-based consumer banking and personal finance network (“Online Network”). Our flagship websites, Bankrate.com , CreditCards.com , insuranceQuotes.com and Caring.com are some of the Internet’s leading aggregators of information on more than 300 financial products and services, including mortgages, deposits, credit cards, insurance, senior care and other personal finance categories. Additionally, we provide financial applications and information to a network of distribution partners and through national and state publications. Basis of Presentation The accompanying condensed consolidated financial statements include the accounts of Bankrate, Inc., and subsidiaries NetQuote Holdings, Inc. (“NetQuote”), NetQuote, Inc., insuranceQuotes, Inc., CreditCards.com, Inc. (“CreditCards”), LinkOffers, Inc., CreditCards.com Limited (United Kingdom), Freedom Marketing Limited (United Kingdom), Caring, Inc., Wallaby Financial, Inc. and Quizzle , LLC after elimination of all intercompany accounts and transactions. We operate the following business segments: · Banking – we offer information on rates for various types of mortgages, home lending and refinancing options, specific to geographic location and covering all 50 states; 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 to calculate investment values; and provides content on topics such as 401(k) planning, Social Security, tax deductions and exemptions, auto loans, debt consolidation and credit risk. · Credit Cards – we present 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 and calculators to estimate credit scores and card benefits. · Insurance – in conjunction with local agents and insurance carriers, we facilitate a consumer’s ability to receive multiple competitive insurance quotes, and provide advice and detailed descriptions of insurance terms, and articles on topical subjects. · Other – includes the results of operations of Senior Care and aggregated smaller, dissimilar operating units, the results of our investments, unallocated corporate overhead and the elimination of transactions between segments. The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for the fair statement of our results have been included. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent gains and losses at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from those estimates. Operating results for the six months ended June 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015, for any other interim period or for any other future year. The accompanying unaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto contained in the Company’s 2014 Annual Report on Form 10-K filed with the Securities and Exchange Commission (“SEC”) on June 18, 2015 . Other than as noted below, there have been no significant changes in the Company’s accounting policies from those disclosed in the Company’s 2014 Annual Report on Form 10-K filed with the SEC on June 18, 2015. Reclassification and Discontinued Operations Statements and certain amounts presented for the six months ended June 30, 2014 reflect reclassifications made to conform to the presentation in our 2014 Annual Report and our current presentation. In the second quarter of 2015, we identified a misclassification within shareholders’ equity between common stock, additional paid-in capital and treasury stock for the year ended 2014 and first quarter of 2015 which related to the treatment of restricted share awards. The December 31, 2014 consolidated balance sheet has been modified to reflect the reclassification of common stock, additional paid-in capital and treasury stock. There was no change to total shareholders ’ equity as a result of this modification. We believe this misclassification within stockholders’ equity was not material to total stockholders’ equity or to the financial statements taken as a whole. In 2014, we commenced the process of divesting our operations in China. In accordance with generally accepted accounting principles in United States (“GAAP”), the results of our operations in China are presented as discontinued operations and, as such, have been excluded from continuing operations in the Condensed Consolidated Statements of Comprehensive Income for all periods presented. The assets and liabilities of the operations in China at June 30, 2015 and December 31, 2014 have been classified and segregated as held for sale and subject to sale, respectively, in the Condensed Consolidated Balance Sheets. The cash flows related to the operations in China have been classified and segregated in the Condensed Consolidated Statement of Cash Flows, for all periods presented. See Note 12 – Discontinued Operations for presentation of the results of the discontinued operations in China. New Accounting Pronouncements Recently Adopted Pronouncements In April 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-08, “Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity,” which amends the definition of a discontinued operation and requires entities to provide additional disclosures about disposal transactions that do not meet the discontinued operations criteria. This ASU requires discontinued operations treatment for disposals of a component or group of components of an entity that represent a strategic shift that has or will have a major impact on an entity’s operations or financial results. ASU 2014-08 also expands the scope of FASB Accounting Standards Codification (“ASC”) 205-20, “Discontinued Operations,” to disposals of equity method investments and acquired businesses held for sale. We adopted ASU-2014-08 on January 1, 2015, as required, and it did not have a material impact on our consolidated financial statements. Recently Issued Pronouncements, Not Adopted as of June 30, 2015 In May 2014, the FASB issued ASU 2014-09: “Revenue from Contracts with Customers.” The standard provides companies with a single model for use in accounting for revenue arising from contracts with customers that supersedes current revenue recognition guidance, including industry-specific revenue guidance. The core principle of the model is to recognize revenue when control of the goods or services transfers to the customer, as opposed to recognizing revenue when the risks and rewards transfer to the customer under the existing revenue guidance. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2017. Early adoption is not permitted. The guidance permits companies to either apply the requirements retrospectively to all prior periods presented, or apply the requirements in the year of adoption, through a cumulative adjustment. We are evaluating the effect that this amendment will have on our consolidated financial statements and related disclosures. We have not yet selected a transition method nor have we determined the effect of the standard on our ongoing financial reporting. In June 2014, the FASB issued ASU 2014-12, “Accounting for Share-Based Payments When the Terms of an Award Allow a Performance Target to Be Achieved After the Requisite Service Period,” which requires that a performance target that could be achieved after the requisite service period be treated as a performance condition that affects the vesting of the award. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The adoption of this accounting pronouncement is not expected to have a material impact on our consolidated financial statements. In August 2014, the FASB issued ASU 2014-15, “Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern,” which requires management to perform interim and annual assessments of an entity’s ability to continue as a going concern within one year of the date the financial statements are issued and to provide related footnote disclosures in certain circumstances. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The adoption of this accounting pronouncement is not expected to have a material impact on our consolidated financial statements. In January 2015, the FASB issued ASU 2015-01, “Income Statement – Extraordinary and Unusual Items.” This guidance eliminates the concept of an extraordinary item, which required that an entity separately classify, present, and disclose extraordinary events and transactions on the income statement, net of tax after earnings from continuing operations and disclose applicable income taxes and earnings per share data applicable to the extraordinary item. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015 and may be applied prospectively and retrospectively. We are currently evaluating the impact of this guidance, but at this time do not expect it to have a material impact on our consolidated financial statements. In April 2015, the FASB issued ASU 2015-03, “Imputation of Interest – Simplifying the Presentation of Debt Issuance Costs.” This guidance requires that the debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the debt liability, consistent with the presentation of a debt discount. This amendment is effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. We are currently evaluating the impact of this guidance, but at this time do not expect it to have a material impact on our consolidated financial statements. In April 2015, the FASB issued ASU 2015-05 “Intangibles–Goodwill and Other–Internal-Use Software (Subtopic 350-40) – Customers Accounting for Fees Paid in a Cloud Computing Arrang ement.” The amendments in this u pdate provide a basis for evaluating whether a cloud computing arrangement includes a software license and clarification of the treatment of fees paid by the customer if that license is to internal-use software, other than internal-use software or not considered a license. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. We are currently evaluating the impact of this amendment, but at the time do not expect it to have a material impact on our consolidated financial statements. In June 2015, the FASB issued ASU 2015-10, “Technical Corrections and Improvements.” This guidance’s intention is (i) to clarify the Codification for differences between original guidance and the Codification, (ii) correct unintended application of guidance and correct references or (iii) streamline, simplify or make minor improvements to the Codification through minor structural changes to headings or minor editing of text to improve the usefulness and understandability, that are not expected to have a significant effect on current accounting practice. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. We are currently evaluating the impact of this guidance, but at this time do not expect it to have a material impact on our consolidated financial statements

Goodwill And Intangible Assets

Goodwill And Intangible Assets	6 Months Ended
	Jun. 30, 2015
Goodwill And Intangible Assets [Abstract]
Goodwill And Intangible Assets	NOTE 2 – GOODWILL AND INTANGIBLE ASSETS Goodwill activity for the six months ended June 30, 2015 is shown below: Balance, January 1, 2015 $ Additions due to acquisitions Balance, June 30, 2015 $ Intangible assets consist primarily of domain names and URLs, customer relationships, affiliate relationships and developed technologies. Intangible assets are being amortized over their estimated useful lives on both straight-line and accelerated bases. Intangible assets subject to amortization were as follows as of June 30, 2015 : (In thousands) Cost Accumulated Amortization Net Trademarks and URLs $ $ $ Customer relationships Affiliate relationships Developed technology $ $ $ Intangible assets subject to amortization were as follows as of December 31, 2014 : (In thousands) Cost Accumulated Amortization Net Trademarks and URLs $ $ $ Customer relationships Affiliate relationships Developed technology $ $ $ Amortization expense for the three and six months ended June 30, 2015 was $13.9 million and $27.7 million, respectively, and amortization expense for the three and six months ended June 30, 2014 was $12.8 million and $25.0 million, respectively. Future amortization expense for assets placed into service on or before June 30, 2015 is expected to be: Amortization (In thousands) Expense Remainder of 2015 $ 2016 2017 2018 2019 Thereafter Total expected amortization expense for intangible assets $

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share	NOTE 3 – EARNINGS PER SHARE We compute basic earnings per share by dividing net income (loss) for the period by the weighted average number of shares outstanding for the period. Diluted earnings per share includes the effects of dilutive common stock equivalents, consisting of outstanding stock-based awards in accordance with ASC 718, Compensation – Stock Compensation, to the extent the effect is not anti-dilutive, using the treasury stock method. The following table presents the computation of basic and diluted earnings per share: Three months ended Six months ended June 30, June 30, June 30, June 30, (In thousands, except share and per share data) 2015 2014 2015 2014 Net income (loss) from continuing operations $ $ $ $ Net loss from discontinued operations, net of income taxes Net income (loss) $ $ $ $ Weighted average common shares outstanding for basic earnings per share Additional dilutive shares related to share based awards - Weighted average common shares outstanding for diluted earnings per share Basic net income (loss) per share: Continuing operations $ $ $ $ Discontinued operations - - Basic net income (loss) per share $ $ $ $ Diluted net income (loss) per share: Continuing operations $ $ $ $ Discontinued operations - - - Diluted net income (loss) per share $ $ $ $ For the three months ended June 30, 2015 and 2014 , there were 2,7 23 , 2 93 and 2,612,684 stock options, respectively, and for the six months ended June 30, 2015 and 2014 there were 2,7 23 , 2 93 and 586,667 stock options, respectively, which are not included in the calculation of diluted earnings per share because their impact would have been anti-dilutive.

Stockholders' Equity

Stockholders' Equity	6 Months Ended
	Jun. 30, 2015
Stockholders' Equity [Abstract]
Stockholders' Equity	NOTE 4 – STOCKHOLDERS’ EQUITY The activity in stockholders’ equity for the six months ended June 30, 2015 is shown below: Common Stock Treasury Stock (In thousands) Shares Amount Additional paid-in capital Accumulated Deficit Shares Amount Accumulated Other Comprehensive Loss - Foreign Currency Translation Total Stockholders' Equity Balance at December 31, 2014 $ $ $ $ $ $ Other comprehensive income, net of taxes - - - - - - Treasury stock purchased - - - - - Restricted stock issued, net of cancellations - - - - - Performance stock issued, net of cancellations - - - - - - - - Stock-based compensation - - - - - - Net income - - - - - - Balance at June 30, 2015 $ $ $ $ $ $

Segments

Segments	6 Months Ended
	Jun. 30, 2015
Segments [Abstract]
Segments	NOTE 5 – SEGMENTS The reportable segments presented below represent our operating segments for which separate financial information is available and utilized on a regular basis by the chief operating decision maker, the Company’s chief executive officer, to assess performance and allocate resources. Management evaluates the operating results of each of the operating segments based upon revenue and “Adjusted EBITDA”, which we define as income from continuing operations before depreciation and amortization, interest, income taxes, changes in fair value of contingent acquisition consideration, stock-based compensation, and non-recurring items such as loss on extinguishment of debt, legal settlements, acquisition, offering and related expenses, restructuring charges, and costs related to unusual regulatory actions, the financial review process that was used to prepare the restatement (the “Internal Review”), the restatement of our financial statements and related litigation. Our presentation of Adjusted EBITDA, a non-GAAP measure, may not be comparable to similarly-titled measures used by other companies. Three months ended June 30, 2015 2014 (In thousands) Revenue Adjusted EBITDA Revenue Adjusted EBITDA Banking $ $ $ $ Credit Cards Insurance Other Total Company $ $ Less: Interest and other expenses, net (A) Depreciation and amortization Changes in fair value of contingent acquisition consideration Stock-based compensation expense Legal settlements Acquisition, offering and related expenses Restatement charges (B) Impact of purchase accounting Income tax expense (benefit) Net income (loss) from continuing operations $ $ __________ (A) 2015 includes a $1.2 million charge related to the exit of an office lease. (B) Restatement charges include expenses related to unusual regulatory actions, the Internal Review, and restatement of our financial statements and related litigation. Six months ended June 30, 2015 2014 (In thousands) Revenue Adjusted EBITDA Revenue Adjusted EBITDA Banking $ $ $ $ Credit Cards Insurance Other Total Company $ $ Less: Interest and other expenses, net (A) Depreciation and amortization Changes in fair value of contingent acquisition consideration Stock-based compensation expense Legal settlements Acquisition, offering and related expenses Restatement charges (B) Impact of purchase accounting Income tax expense Net income from continuing operations $ $ __________ (A) 2015 includes a $1.2 million charge related to the exit of an office lease. (B) Restatement charges include expenses related to unusual regulatory actions, the Internal Review, and restatement of our financial statements and related litigation .

Fair Value Measurement

Fair Value Measurement	6 Months Ended
	Jun. 30, 2015
Fair Value Measurement [Abstract]
Fair Value Measurement	NOTE 6 – FAIR VALUE MEASUREMENT The carrying amounts of cash, accounts receivable and accrued interest approximate estimated fair value. In measuring the fair value of our long term debt, we used market information. These estimates require considerable judgment in interpreting market data, and changes in assumptions or estimation methods could significantly affect the fair value estimates. The following table presents estimated fair value, and related carrying amounts: June 30, 2015 December 31, 2014 (In thousands) Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Financial Liabilities: Long term debt $ $ $ $ In addition, we make recurring fair value measurements of contingent acquisition consideration using Level 3 unobservable inputs. We recognize the fair value of contingent acquisition consideration based on its estimated fair value at the date of acquisition using discounted cash flows and subsequent adjustments to the fair value are due to the passage of time as we approach the payment date or changes to management’s estimates of the projected results of the acquired business. In determining the fair value of contingent acquisition consideration, we review current results of the acquired business along with projected results for the remaining earnout period to calculate the expected contingent acquisition consideration to be paid using the agreed upon formula as laid out in the acquisition agreements. The following tables present the fair value measurements of contingent acquisition consideration using the fair value hierarchy: Fair Value Measurement at June 30, 2015 Using (In thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Recurring fair value measurement: Contingent acquisition consideration $ - $ - $ $ Total recurring fair value measurements $ - $ - $ $ Fair Value Measurement at December 31, 2014 Using (In thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Recurring fair value measurement: Contingent acquisition consideration $ - $ - $ $ Total recurring fair value measurements $ - $ - $ $ The following table sets forth a reconciliation of changes in the fair value of Level 3 financial liabilities, contingent acquisition consideration, for the six months ended June 30, 2015 : Six months ended (In thousands) June 30, 2015 Balance, January 1, 2015 $ Additions to Level 3 Transfers into Level 3 - Transfers out of Level 3 - Change in fair value Payments Balance, June 30, 2015 $ The unobservable inputs used in determining the fair value of contingent acquisition consideration for earnout periods not yet completed include discount factors of 14% to 16% based on our weighted average cost of capital and projected results of the acquired businesses. The fair value calculated as of June 30, 2015 is subject to sensitivity as it relates to the projected results of the acquired businesses, which are uncertain in nature. Each calculation is based on a separate formula and results that differ from our projections could impact the fair value significantly. During the six months ended June 30, 2015 , we changed certain estimates of the projected results of acquired businesses that resulted in a decrease in the fair value of contingent acquisition consideration and a credit to operating income of $ 946 ,000 , offset by approximately $1. 3 million recorded in the change in fair value of contingent acquisition consideration related to the passage of time.

Stock-Based Compensation

Stock-Based Compensation	6 Months Ended
	Jun. 30, 2015
Stock-Based Compensation [Abstract]
Stock-Based Compensation	NOTE 7 – STOCK-BASED COMPENSATION In June 2011, the Company established the 2011 Equity Compensation Plan (the “2011 Plan”) to grant stock-based awards for up to 12,120,000 shares of our common stock. Under the 2011 Plan, the Board of Directors or its delegate has the sole authority to determine who receives such grants, the type, size and timing of such grants, and to specify the terms of any non-competition agreements relating to the grants. The purpose of the 2011 Plan is to align the participants’ economic interests with those of our stockholders. As of June 30, 2015 , 1,5 08 , 157 shares were available for future issuance under the 2011 plan. The stock-based compensation expense for stock options and restricted stock awards recognized in our condensed consolidated statements of comprehensive income are as follows: Three months ended Six months ended June 30, June 30, June 30, June 30, (In thousands) 2015 2014 2015 2014 Cost of revenue $ $ $ $ Sales and marketing Product development and technology General and administrative Total stock-based compensation $ $ $ $ Restricted Stock The following table summarizes restricted stock award activity for the six months ended June 30, 2015 : Weighted Average Number of Grant Date Shares Fair Value Balance, January 1, 2015 $ Granted Vested and released Forfeited Balance, June 30, 2015 $ Stock-based compensation expense related to restricted stock awards for the three months and six months ended June 30, 2015 was approximately $4.6 million and $8.8 million, respectively, and for the three and six months ended June 30, 2014 was approximately $2.5 million and $4.5 million, respectively. As of June 30, 2015 , there was unrecognized compensation cost related to non-vested restricted stock awards of $ 29.1 million, which is estimated to be recognized over a weighted average period of 1. 5 years. Performance Based Restricted Shares Performance based shares activity was as follows for the six months ended June 30, 2015 : Weighted Average Number of Grant Date Shares Fair Value Balance, January 1, 2015 $ Granted Vested/Earned - - Forfeited Unearned - - Balance, June 30, 2015 $ During the six months ended June 30, 2015 we granted 1,383,526 performance based restricted shares with an average grant date fair value of $12.76 per share. The shares include a performance condition and the number of shares ultimately issued will be determined based on the Company’s performance for the two years ending December 31, 2016. The granted amount represents the maximum amount of the award at 150% of the target and the total number of shares ultimately issued can range from 0% to 100% of the granted amount. No stock-based compensation expense has been recorded for performance based shares during the three and six months ended June 30, 2015 and 2014 as the satisfaction of the performance condition is not considered probable. Stock Options Stock option activity was as follows for the six months ended June 30, 2015 : Number of Price Weighted Average Aggregate Shares Per Share Exercise Price Intrinsic Value Balance, January 1, 2015 $ 11.05 - 24.25 $ $ Granted - - - Exercised - - - Forfeited Expired Balance, June 30, 2015 $ 11.05 - 24.25 $ $ - Pursuant to the income tax provisions of ASC 718 “Stock Compensation”, we follow the “long-haul method” of computing our hypothetical additional paid-in capital, or APIC, pool. Approximately 426,000 stock options vested during the six months ended June 30, 2015 . The aggregate intrinsic value of stock options outstanding in the table above is calculated as the difference between the closing price of Bankrate’s common stock on the last trading day of the reporting period ( $10.49 at June 30, 2015) and the exercise price of the stock options multiplied by the number of shares underlying options with an exercise prices less than the closing price on the last trading day of the reporting period. As of June 30, 2015 , approximately $2. 5 million of total unrecognized compensation costs, net of forfeitures, related to non-vested stock option awards is expected to be recognized over a weighted average period of 0. 9 years.

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2015
Income Taxes [Abstract]
Income Taxes	NOTE 8 – INCOME TAXES We calculate our income tax provision for interim periods based on two components: (i) the estimate of the annual effective tax rate and (ii) the existence of any interim period (i.e., discrete) events. The difference between income tax expense computed at the statutory rate and the reported income tax expense during the three and six months ended June 30, 2015 is primarily due to a tax charge taken for stock compensation and the effect of U.S. state income tax expense. The difference between income tax expense computed at the statutory rate and the reported income tax expense during the three and six months ended June 30, 2014 is primarily due to nondeductible acquisition costs, tax charges taken for stock compensation and the effect of U.S. state income tax expense. We have approximately $5.2 million of unrecognized tax benefits at June 30, 2015 and December 31, 2014. We are subject to income taxes in the U.S. federal jurisdiction, various states, and foreign jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, we are no longer subject to U.S. federal, state and local, or non-U.S. income tax examinations by tax authorities for the years before 2010. During the three months ended March 31, 2015, the Texas Comptroller of Public Accounts (“Texas”) notified us of an examination into the 2012 tax year. Texas has not collected data at this time and is currently in its discovery stage. We cannot presently estimate the outcome of this examination. We accrued approximately $10,000 and $78,000 during the three months ended June 30, 2015 and 2014, respectively, and $19,000 and $156,000 during the six months ended June 30, 2015 and 2014, respectively, for the payment of interest which is recorded as income tax expense. Our effective tax rate on continuing operations was an expense of 58.4% and 45.4% during the three and six months ended June 30, 2015, respectively, compared to a benefit of 32.4% and an expense of 59.7% during the three and six months ended June 30, 2014 , respectively . The decrease in our effective tax rate during the six months ended June 30, 2015 is primarily attributed to a decrease in tax liability related to stock compensation , acquisition related costs and a decrease in interest recorded as income tax expense.

Commitments And Contingencies

Commitments And Contingencies	6 Months Ended
	Jun. 30, 2015
Commitments And Contingencies [Abstract]
Commitments And Contingencies	NOTE 9 – COMMITMENTS AND CONTINGENCIES Legal Proceedings From time to time, in the normal course of its operations, the Company is party to litigation and regulatory matters and claims. Litigation and regulatory reviews can be expensive and disruptive to normal business operations. Moreover, the results of complex proceedings and reviews are difficult to predict and the Company’s view of these matters may change in the future as events related thereto unfold. The Company expenses legal fees as incurred. The Company records a provision for contingent losses when it is both probable that a liability will be incurred and the amount or range of the loss can be reasonably estimated. Except as otherwise stated, we have concluded that we cannot estimate the reasonably possible loss or range of loss, including reasonably possible losses in excess of amounts already accrued, for each matter disclosed below. An unfavorable outcome to any legal or regulatory matter, if material, could have an adverse effect on the Company’s operations or its financial position, liquidity or results of operations. BanxCorp Litigation In July 2007, BanxCorp, an online publisher of rate information provided by financial institutions with respect to various financial products, filed suit against the Company in the United States District Court for the District of New Jersey alleging violations of Federal and New Jersey State antitrust laws, including the Sherman Act and the Clayton Act. BanxCorp has alleged that it has been injured as a result of monopolistic and otherwise anticompetitive conduct on the part of the Company and is seeking approximately $180 million in compensatory damages, treble damages, and attorneys' fees and costs. In October 2012, BanxCorp filed a Seventh Amended Complaint, alleging violations of Section 2 of the Sherman Act, Section 7 of the Clayton Act and parallel provisions of New Jersey antitrust laws, and dropping its claims under Section 1 of the Sherman Act. Discovery closed on December 21, 2012 and both parties filed motions in the first quarter of 2013 seeking summary judgment that are pending before the court. The Company will continue to vigorously defend this lawsuit. The Company cannot presently estimate the amount of loss, if any, that would result from an adverse resolution of this matter. Securities Litigation In October 2014, a putative class action lawsuit was brought in federal court in the United States District Court for the Southern District of Florida against the Company and certain of its current and former officers and directors. The suit, captioned The City of Los Angeles v. Bankrate, Inc., et al. , No. 14-CV-81323-DMM, alleges, among other things, that the Company’s 2011, 2012, and 2013 financial statements improperly recognized revenues and expenses and therefore were materially false and misleading, and seeks relief (including damages) under the federal securities laws on behalf of a proposed class consisting of all persons, other than the defendants, who purchased the Company’s securities between October 16, 2012 and September 15, 2014, inclusive. On February 23, 2015, the lead plaintiff filed an amended complaint, which asserts claims against the Company, certain officers and directors of the Company, entities associated with Apax Partners, the underwriters of the Company’s March 2014 stock offering, and the Company’s independent registered public accountant, alleging that the Company’s 2011, 2012, and 2013 financial statements were materially false and misleading and that the Company sold securities in March 2014 pursuant to a registration statement and prospectuses in violation of federal securities law. The amended complaint seeks unspecified compensatory damages and rescission or rescissionary damages. On March 9, 2015, the Company filed a motion to dismiss the amended complaint. Other named defendants, including the Company’s accountant, the underwriter defendants, and the Company’s former Chief Financial Officer, Edward J. DiMaria, have each filed separate and additional motions to dismiss the amended complaint. Those motions are pending. Pursuant to a notice of voluntary dismissal submitted by the lead plaintiff, the Apax Defendants were terminated from the action on April 23, 2015. The action is in its preliminary stages and we are not able to predict its outcome. The Company cannot presently estimate the amount of loss, if any, that would result from an adverse resolution of this matter. Two earlier lawsuits making similar allegations, captioned Tong v. Evans, et al. , No. 14-cv-81183-KLR (S.D. Fla), and Atiyeh v. Evans, et al. , No. 14 Civ. 8443 (JFK) (S.D.N.Y), were voluntarily dismissed by their respective plaintiffs. SEC and DOJ Investigations As previously disclosed, the SEC is conducting a non-public formal investigation of Bankrate’s financial reporting with the principal focus on the quarters ending March 31, 2012 and June 30, 2012. The investigation is examining whether accounting entries may have improperly impacted the Company’s reported results, including relative to market expectations at such time. In addition, as previously reported, the DOJ has informed the Company that it is investigating the matters that are the subject of the SEC investigation. The Company has agreed to the terms of a potential settlement of the SEC investigation with respect to the Company that the SEC enforcement staff has indicated it is prepared to recommend to the Commission. The proposed settlement is subject to acceptance and authorization by the Commission and would, among other things, require the Company to pay a $15.0 million penalty. As a result, the Company recorded an accrual in the amount of $15.0 million as of September 30, 2014. However, the terms of the settlement have not been approved by the Commission and therefore there can be no assurance that the Company’s efforts to resolve the SEC’s investigation with respect to the Company will be successful, that the settlement amount will be as anticipated or that the accrual with respect thereto will be sufficient, and the Company cannot predict the ultimate timing or the final terms of any settlement. In addition, it is not possible to predict when the DOJ investigation will be completed, the final outcome of the investigation, and what if any actions may be taken by the DOJ. CFPB Investigation The Company and certain of its employees have received Civil Investigative Demands ( “ CIDs ” ) from the Consumer Financial Protection Bureau (“ CFPB ”) to produce certain documents and answer questions relating to the Company’s quality control process for its online mortgage rate tables. The Company has cooperated in responding to the CIDs. The Company received a communication from the CFPB inviting the Company to respond to the CFPB’s identified issues in the form of a Notice of Opportunity to Respond and Advise during which the CFPB identified potential claims it might bring against the Company. The Company has submitted a response that it believes addresses the CFPB’s issues with respect to the Company’s online mortgage rate tables and its quality control processes. We are unable to predict when the CFPB investigation will be completed or the final outcome of the investigation, and cannot presently estimate the amount of loss, if any, that would result from an adverse resolution of this matter.

Debt

Debt	6 Months Ended
	Jun. 30, 2015
Debt [Abstract]
Debt	NOTE 10 – DEBT Senior Notes On August 2, 2013, the Company completed the offering of its 6.125% unsecured notes (“Senior Notes”). The Senior Notes, due 2018, were issued at 98.938% of par and accrue interest daily on the outstanding principal amount, which is payable semi-annually, in arrears, on August 15 and February 15. On or after August 15, 2015, we may redeem some or all of the Senior Notes at a premium that will decrease over time as set forth in Bankrate, Inc.’s Indenture, dated as of August 7, 2013 (the “Senior Notes Indenture”). Additionally, if the Company experiences a Change of Control Triggering Event (as defined in the Senior Notes Indenture), we must offer to purchase all of the Senior Notes at a price in cash equal to 101% of the principal amount thereof, together with accrued and unpaid interest, if any, to the date of purchase. The Senior Notes Indenture contains covenants and events of default customary for transactions of this type and has no financial maintenance covenant. All obligations under the Senior Notes are guaranteed by the Guarantors (as defined below). Interest expense, excluding the amortization of deferred financing costs and the original issue discounts, related to the Senior Notes was $ 4.6 million and $9.3 million, for the three and six months ended June 30, 2015 respectively, and was $4.6 million and $9.5 million for the three and six months ended June 30, 2014, respectively. We amortized original issue discount, which is included within interest and other expenses on the accompanying condensed consolidated statements of comprehensive income, of $152,000 and $302,000 during the three and six months ended June 30 , 2015 , respectively, and $143,000 and $284,000 during the three and six months ended June 30, 2014, respectively. At June 30, 2015 and December 31, 2014 , approximately $2.1 million and $2.4 million, respectively, in original issue discount remains to be amortized. We amortized deferred loan fees related to the Senior Notes, which are included within interest and other expenses on the accompanying condensed consolidated statement of comprehensive income, of $4 09 ,000 and $7 66 ,000 during the three and six months ended June 30, 2015 and $316,000 and $627,000 during the three and six months ended June 30 2014 , respectively. On March 31 and May 11, 2015, as required under the terms of the Company’s Senior Notes Indenture, as supplemented by the Third Supplemental Indenture thereto, we made $354,000 and $374,000 consent payments, respectively, to certain holders of the Senior Notes due to the delay in providing timely financial statements. These payments were recorded as deferred loan fees and are being amortized over the remaining term of the Senior Notes. At June 30, 2015 and December 31, 2014 , approximately $ 5.8 million and $5.8 million, respectively, in deferred loan fees remains to be amortized. Revolving Credit Facility On August 7, 2013, the Company entered into a Revolving Credit Agreement (the “Credit Agreement”), which certain subsidiaries of the Company serve as guarantors (the “Guarantors ” ). The Credit Agreement provides for a $70.0 million revolving facility (“Revolving Credit Facility”) which matures on May 17, 2018 . The proceeds can be used for ongoing working capital requirements and other general corporate purposes, including the financing of capital expenditures and acquisitions. Borrowings under the Revolving Credit Facility bear interest at a rate per annum equal to, at our option, either (i) an alternate base rate (as defined in the Revolving Credit Facility) or (ii) an adjusted LIBO rate (as defined in the Revolving Credit Facility), each calculated in a customary manner, plus applicable margin. The applicable margin is 3.00% per annum with respect to alternate base rate loans and 2.00% per annum with respect to adjusted LIBO rate loans. In addition to paying interest on the outstanding principal amount of borrowings under the Revolving Credit Facility, we must pay a commitment fee to the Lenders in respect of their average daily unused amount of revolving commitments at a rate that ranges from 0.375% to 0.50% per annum depending on our consolidated total leverage ratio. We may voluntarily prepay loans under the Revolving Credit Facility at any time without premium or penalty (subject to customary “breakage” fees in the case of Eurodollar rate loans). The Credit Agreement contains customary affirmative and negative covenants and events of default and requires the Company to comply with a maximum consolidated total leverage ratio of 4.00 :1.00 as of the last day of any fiscal quarter only if the aggregate amount (without duplication) of letters of credit (other than letters of credit that are issued and not drawn to the extent such letters of credit are cash collateralized) and loans outstanding under the Revolving Credit Facility exceed, on a pro forma basis, 30% of the total revolving commitments of all Lenders at such time. We were in compliance with all required covenants as of June 30, 2015 . All obligations under the Credit Agreement are guaranteed by the Guarantors and are secured, subject to certain exceptions, by first priority liens on the assets of the Company and the Guarantors. As of June 30, 2015 , $70.0 million was available for borrowing under the Revolving Credit Facility and there were no amounts outstanding. During the three and six months ended June 30, 2015 , the Company amortized $85,000 and $169,000 of deferred loan fees, respectively, and during the three and six months ended June 30, 2014 the Company amortized $85,000 and $169,000 of deferred loan fees, respectively, which is included in interest and other expenses on the accompanying condensed consolidated statements of comprehensive income (loss). At June 30, 2015 and December 31, 2014 , approximately $888,000 and $1.1 million, respectively, in deferred loan fees remains to be amortized.

Acquisitions

Acquisitions	6 Months Ended
	Jun. 30, 2015
Acquisitions [Abstract]
Acquisitions	NOTE 11 – ACQUISITIONS 2015 Acquisitions On April 1, 2015 we acquired Quizzle, LLC and d uring 2015 we acquired certain assets and assumed certain liabilities of certain entities . These acquisitions had an aggregate purchase price of $40.3 million, including $ 2.7 million in fair value of contingent acquisition consideration. The acquisitions were accounted for under purchase accounting and are included in our consolidated results from the acquisition dates. The financial results of the acquired businesses are immaterial individually and in aggregate to our net assets and results of operations. We recorded $22.2 million in goodwill and $17.8 million of intangible assets related to these acquisitions with estimated weighted average useful lives of 10 years, consisting of approximately $11.5 million of developed technology, approximately $3.7 million of trademarks and domain names and approximately $2.6 million of customer relationships. We have not finalized the purchase accounting of the se acquisition s, which are subject to working capital adjustments . 2014 Acquisitions Acquisition of Caring, Inc. On May 1, 2014 , we acquired Caring, Inc., a Delaware corporation (“Caring”), through the merger of a wholly owned subsidiary of Bankrate with and into Caring, with Caring continuing as the surviving corporation (the “Merger”), for $53.7 million, net of cash acquired, and $4.3 million was placed in escrow to satisfy certain indemnification obligations of Caring’s shareholders. As of June 30, 2015, no escrow payments have been made. We recorded approximately $23.0 million in goodwill, which reflects the adjustments necessary to allocate the purchase price to the fair value of the assets acquired and the liabilities assumed. We expect goodwill will not be deductible for income tax purposes. Approximately $29.5 million was recorded as intangible assets consisting of an Internet domain name for $14.6 million, customer relationships for $9.9 million, and developed technology for $5.0 million. Caring was a privately held company and the owner of Caring.com , a leading senior care resource for those seeking information and support as they care for aging family members and loved ones. This acquisition was made to complement our online publishing business and to enter a new product vertical. The results of operations of Caring are included in our consolidated results from the acquisition date. The acquisition is accounted for as a business combination. Acquisition of Wallaby Financial, Inc. On December 1, 2014, we acquired Wallaby Financial, Inc., a Delaware corporation (“Wallaby”), for $10.0 million. The financial results of Wallaby are immaterial to our net assets and results of operations. The acquisition was accounted for as a purchase and included in our consolidated results from the acquisition date. We recorded $6.1 million in goodwill and $3.9 million in intangible assets related to the acquisition, consisting of $3.6 million of developed technology and $250,000 of trademarks with estimated weighted average useful lives of 5 years.

Discontinued Operations

Discontinued Operations	6 Months Ended
	Jun. 30, 2015
Discontinued Operations [Abstract]
Discontinued Operations	NOTE 12 – DISCONTINUED OPERATIONS During 2014, we commenced the process of divesting our operations in China. This component is classified as discontinued operations in the condensed consolidated financial statements for all periods presented. In addition, the assets and liabilities associated with the discontinued operations are classified as assets held for sale and liabilities subject to sale, respectively, in the condensed consolidated balance sheets. The following table presents the carrying amounts of major classes of assets and liabilities of the discontinued operations that are presented as assets held for sale and liabilities subject to sale on the Condensed Consolidated Balance Sheet: (Unaudited) June 30, December 31, 2015 2014 Cash and cash equivalents $ $ Accounts receivable, net Prepaid expenses and other current assets Total current assets Furniture, fixtures and equipment, net Intangible assets, net Other assets - Total assets classified as held for sale $ $ Accounts payable Accrued expenses Deferred revenue and customer deposits Other current liabilities Total current liabilities Total liabilities classified as subject to sale $ $ The following table presents the major classes of line items constituting net loss from discontinued operations , which is presented in the Condensed Consolidated Statement of Comprehensive Income: Three months ended Six months ended June 30, June 30, June 30, June 30, 2015 2014 2015 2014 Revenue $ $ $ $ Cost of revenue (excludes depreciation and amortization) Sales and marketing Product development and technology General and administrative Depreciation and amortization Interest income and other Net loss from discontinued operations $ $ $ $

Organization And Basis Of Pre18

Organization And Basis Of Presentation (Policies)	6 Months Ended
	Jun. 30, 2015
Organization And Basis Of Presentation [Abstract]
The Company	The Company Bankrate, Inc. and its subsidiaries (“Bankrate” or the “Company,” “we,” “us,” “our”) own and operate an Internet-based consumer banking and personal finance network (“Online Network”). Our flagship websites, Bankrate.com , CreditCards.com , insuranceQuotes.com and Caring.com are some of the Internet’s leading aggregators of information on more than 300 financial products and services, including mortgages, deposits, credit cards, insurance, senior care and other personal finance categories. Additionally, we provide financial applications and information to a network of distribution partners and through national and state publications.
Basis of Presentation	Basis of Presentation The accompanying condensed consolidated financial statements include the accounts of Bankrate, Inc., and subsidiaries NetQuote Holdings, Inc. (“NetQuote”), NetQuote, Inc., insuranceQuotes, Inc., CreditCards.com, Inc. (“CreditCards”), LinkOffers, Inc., CreditCards.com Limited (United Kingdom), Freedom Marketing Limited (United Kingdom), Caring, Inc., Wallaby Financial, Inc. and Quizzle , LLC after elimination of all intercompany accounts and transactions. We operate the following business segments: · Banking – we offer information on rates for various types of mortgages, home lending and refinancing options, specific to geographic location and covering all 50 states; 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 to calculate investment values; and provides content on topics such as 401(k) planning, Social Security, tax deductions and exemptions, auto loans, debt consolidation and credit risk. · Credit Cards – we present 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 and calculators to estimate credit scores and card benefits. · Insurance – in conjunction with local agents and insurance carriers, we facilitate a consumer’s ability to receive multiple competitive insurance quotes, and provide advice and detailed descriptions of insurance terms, and articles on topical subjects. · Other – includes the results of operations of Senior Care and aggregated smaller, dissimilar operating units, the results of our investments, unallocated corporate overhead and the elimination of transactions between segments. The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for the fair statement of our results have been included. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent gains and losses at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from those estimates. Operating results for the six months ended June 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015, for any other interim period or for any other future year. The accompanying unaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto contained in the Company’s 2014 Annual Report on Form 10-K filed with the Securities and Exchange Commission (“SEC”) on June 18, 2015 . Other than as noted below, there have been no significant changes in the Company’s accounting policies from those disclosed in the Company’s 2014 Annual Report on Form 10-K filed with the SEC on June 18, 2015.
Reclassification and Discontinued Operations	Reclassification and Discontinued Operations Statements and certain amounts presented for the six months ended June 30, 2014 reflect reclassifications made to conform to the presentation in our 2014 Annual Report and our current presentation. In the second quarter of 2015, we identified a misclassification within shareholders’ equity between common stock, additional paid-in capital and treasury stock for the year ended 2014 and first quarter of 2015 which related to the treatment of restricted share awards. The December 31, 2014 consolidated balance sheet has been modified to reflect the reclassification of common stock, additional paid-in capital and treasury stock. There was no change to total shareholders ’ equity as a result of this modification. We believe this misclassification within stockholders’ equity was not material to total stockholders’ equity or to the financial statements taken as a whole. In 2014, we commenced the process of divesting our operations in China. In accordance with generally accepted accounting principles in United States (“GAAP”), the results of our operations in China are presented as discontinued operations and, as such, have been excluded from continuing operations in the Condensed Consolidated Statements of Comprehensive Income for all periods presented. The assets and liabilities of the operations in China at June 30, 2015 and December 31, 2014 have been classified and segregated as held for sale and subject to sale, respectively, in the Condensed Consolidated Balance Sheets. The cash flows related to the operations in China have been classified and segregated in the Condensed Consolidated Statement of Cash Flows, for all periods presented. See Note 12 – Discontinued Operations for presentation of the results of the discontinued operations in China.
New Accounting Pronouncements	New Accounting Pronouncements Recently Adopted Pronouncements In April 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-08, “Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity,” which amends the definition of a discontinued operation and requires entities to provide additional disclosures about disposal transactions that do not meet the discontinued operations criteria. This ASU requires discontinued operations treatment for disposals of a component or group of components of an entity that represent a strategic shift that has or will have a major impact on an entity’s operations or financial results. ASU 2014-08 also expands the scope of FASB Accounting Standards Codification (“ASC”) 205-20, “Discontinued Operations,” to disposals of equity method investments and acquired businesses held for sale. We adopted ASU-2014-08 on January 1, 2015, as required, and it did not have a material impact on our consolidated financial statements. Recently Issued Pronouncements, Not Adopted as of June 30, 2015 In May 2014, the FASB issued ASU 2014-09: “Revenue from Contracts with Customers.” The standard provides companies with a single model for use in accounting for revenue arising from contracts with customers that supersedes current revenue recognition guidance, including industry-specific revenue guidance. The core principle of the model is to recognize revenue when control of the goods or services transfers to the customer, as opposed to recognizing revenue when the risks and rewards transfer to the customer under the existing revenue guidance. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2017. Early adoption is not permitted. The guidance permits companies to either apply the requirements retrospectively to all prior periods presented, or apply the requirements in the year of adoption, through a cumulative adjustment. We are evaluating the effect that this amendment will have on our consolidated financial statements and related disclosures. We have not yet selected a transition method nor have we determined the effect of the standard on our ongoing financial reporting. In June 2014, the FASB issued ASU 2014-12, “Accounting for Share-Based Payments When the Terms of an Award Allow a Performance Target to Be Achieved After the Requisite Service Period,” which requires that a performance target that could be achieved after the requisite service period be treated as a performance condition that affects the vesting of the award. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The adoption of this accounting pronouncement is not expected to have a material impact on our consolidated financial statements. In August 2014, the FASB issued ASU 2014-15, “Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern,” which requires management to perform interim and annual assessments of an entity’s ability to continue as a going concern within one year of the date the financial statements are issued and to provide related footnote disclosures in certain circumstances. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The adoption of this accounting pronouncement is not expected to have a material impact on our consolidated financial statements. In January 2015, the FASB issued ASU 2015-01, “Income Statement – Extraordinary and Unusual Items.” This guidance eliminates the concept of an extraordinary item, which required that an entity separately classify, present, and disclose extraordinary events and transactions on the income statement, net of tax after earnings from continuing operations and disclose applicable income taxes and earnings per share data applicable to the extraordinary item. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015 and may be applied prospectively and retrospectively. We are currently evaluating the impact of this guidance, but at this time do not expect it to have a material impact on our consolidated financial statements. In April 2015, the FASB issued ASU 2015-03, “Imputation of Interest – Simplifying the Presentation of Debt Issuance Costs.” This guidance requires that the debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the debt liability, consistent with the presentation of a debt discount. This amendment is effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. We are currently evaluating the impact of this guidance, but at this time do not expect it to have a material impact on our consolidated financial statements. In April 2015, the FASB issued ASU 2015-05 “Intangibles–Goodwill and Other–Internal-Use Software (Subtopic 350-40) – Customers Accounting for Fees Paid in a Cloud Computing Arrang ement.” The amendments in this u pdate provide a basis for evaluating whether a cloud computing arrangement includes a software license and clarification of the treatment of fees paid by the customer if that license is to internal-use software, other than internal-use software or not considered a license. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. We are currently evaluating the impact of this amendment, but at the time do not expect it to have a material impact on our consolidated financial statements. In June 2015, the FASB issued ASU 2015-10, “Technical Corrections and Improvements.” This guidance’s intention is (i) to clarify the Codification for differences between original guidance and the Codification, (ii) correct unintended application of guidance and correct references or (iii) streamline, simplify or make minor improvements to the Codification through minor structural changes to headings or minor editing of text to improve the usefulness and understandability, that are not expected to have a significant effect on current accounting practice. This amendment is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted. We are currently evaluating the impact of this guidance, but at this time do not expect it to have a material impact on our consolidated financial statements

Goodwill And Intangible Assets

Goodwill And Intangible Assets (Tables)	6 Months Ended
	Jun. 30, 2015
Goodwill And Intangible Assets [Abstract]
Summary Of Goodwill Activity	Balance, January 1, 2015 $ Additions due to acquisitions Balance, June 30, 2015 $
Components Of Intangible Assets Subject To Amortization	Intangible assets subject to amortization were as follows as of June 30, 2015 : (In thousands) Cost Accumulated Amortization Net Trademarks and URLs $ $ $ Customer relationships Affiliate relationships Developed technology $ $ $ Intangible assets subject to amortization were as follows as of December 31, 2014 : (In thousands) Cost Accumulated Amortization Net Trademarks and URLs $ $ $ Customer relationships Affiliate relationships Developed technology $ $ $
Summary Of Future Amortization Expense	Amortization (In thousands) Expense Remainder of 2015 $ 2016 2017 2018 2019 Thereafter Total expected amortization expense for intangible assets $

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Schedule Of Computation Of Basic And Diluted Earnings Per Share	Three months ended Six months ended June 30, June 30, June 30, June 30, (In thousands, except share and per share data) 2015 2014 2015 2014 Net income (loss) from continuing operations $ $ $ $ Net loss from discontinued operations, net of income taxes Net income (loss) $ $ $ $ Weighted average common shares outstanding for basic earnings per share Additional dilutive shares related to share based awards - Weighted average common shares outstanding for diluted earnings per share Basic net income (loss) per share: Continuing operations $ $ $ $ Discontinued operations - - Basic net income (loss) per share $ $ $ $ Diluted net income (loss) per share: Continuing operations $ $ $ $ Discontinued operations - - - Diluted net income (loss) per share $ $ $ $

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	6 Months Ended
	Jun. 30, 2015
Stockholders' Equity [Abstract]
Activity In Stockholders' Equity	Common Stock Treasury Stock (In thousands) Shares Amount Additional paid-in capital Accumulated Deficit Shares Amount Accumulated Other Comprehensive Loss - Foreign Currency Translation Total Stockholders' Equity Balance at December 31, 2014 $ $ $ $ $ $ Other comprehensive income, net of taxes - - - - - - Treasury stock purchased - - - - - Restricted stock issued, net of cancellations - - - - - Performance stock issued, net of cancellations - - - - - - - - Stock-based compensation - - - - - - Net income - - - - - - Balance at June 30, 2015 $ $ $ $ $ $

Segments (Tables)

Segments (Tables)	6 Months Ended
	Jun. 30, 2015
Segments [Abstract]
Schedule Of Revenue By Reportable Segments	Three months ended June 30, 2015 2014 (In thousands) Revenue Adjusted EBITDA Revenue Adjusted EBITDA Banking $ $ $ $ Credit Cards Insurance Other Total Company $ $ Less: Interest and other expenses, net (A) Depreciation and amortization Changes in fair value of contingent acquisition consideration Stock-based compensation expense Legal settlements Acquisition, offering and related expenses Restatement charges (B) Impact of purchase accounting Income tax expense (benefit) Net income (loss) from continuing operations $ $ __________ (A) 2015 includes a $1.2 million charge related to the exit of an office lease. (B) Restatement charges include expenses related to unusual regulatory actions, the Internal Review, and restatement of our financial statements and related litigation. Six months ended June 30, 2015 2014 (In thousands) Revenue Adjusted EBITDA Revenue Adjusted EBITDA Banking $ $ $ $ Credit Cards Insurance Other Total Company $ $ Less: Interest and other expenses, net (A) Depreciation and amortization Changes in fair value of contingent acquisition consideration Stock-based compensation expense Legal settlements Acquisition, offering and related expenses Restatement charges (B) Impact of purchase accounting Income tax expense Net income from continuing operations $ $ __________ (A) 2015 includes a $1.2 million charge related to the exit of an office lease. Restatement charges include expenses related to unusual regulatory actions, the Internal Review, and restatement of our financial statements and related litigation .

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Measurement [Abstract]
Estimated Fair Value And Related Carrying Amounts	June 30, 2015 December 31, 2014 (In thousands) Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Financial Liabilities: Long term debt $ $ $ $
Fair Value Measurement Of Contingent Acquisition Consideration	Fair Value Measurement at June 30, 2015 Using (In thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Recurring fair value measurement: Contingent acquisition consideration $ - $ - $ $ Total recurring fair value measurements $ - $ - $ $ Fair Value Measurement at December 31, 2014 Using (In thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Recurring fair value measurement: Contingent acquisition consideration $ - $ - $ $ Total recurring fair value measurements $ - $ - $ $
Reconciliation Of Changes In Fair Value Of Company's Level 3 Financial Assets	Six months ended (In thousands) June 30, 2015 Balance, January 1, 2015 $ Additions to Level 3 Transfers into Level 3 - Transfers out of Level 3 - Change in fair value Payments Balance, June 30, 2015 $

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2015
Stock-Based Compensation [Abstract]
Stock-Based Compensation Expense For Stock Options And Restricted Stock Awards	Three months ended Six months ended June 30, June 30, June 30, June 30, (In thousands) 2015 2014 2015 2014 Cost of revenue $ $ $ $ Sales and marketing Product development and technology General and administrative Total stock-based compensation $ $ $ $
Summary Of Restricted Stock Award Activity	Weighted Average Number of Grant Date Shares Fair Value Balance, January 1, 2015 $ Granted Vested and released Forfeited Balance, June 30, 2015 $
Schedule Of Performance Based Shares	Weighted Average Number of Grant Date Shares Fair Value Balance, January 1, 2015 $ Granted Vested/Earned - - Forfeited Unearned - - Balance, June 30, 2015 $
Stock Option Activity	Number of Price Weighted Average Aggregate Shares Per Share Exercise Price Intrinsic Value Balance, January 1, 2015 $ 11.05 - 24.25 $ $ Granted - - - Exercised - - - Forfeited Expired Balance, June 30, 2015 $ 11.05 - 24.25 $ $ -

Discontinued Operations (Tables

Discontinued Operations (Tables)	6 Months Ended
	Jun. 30, 2015
Discontinued Operations [Abstract]
Schedule of Disposal Groups, Including Discontinued Operations, Condensed Consolidated Balance Sheet and Condensed Consolidated Statement Of Comprehensive Income	The following table presents the carrying amounts of major classes of assets and liabilities of the discontinued operations that are presented as assets held for sale and liabilities subject to sale on the Condensed Consolidated Balance Sheet: (Unaudited) June 30, December 31, 2015 2014 Cash and cash equivalents $ $ Accounts receivable, net Prepaid expenses and other current assets Total current assets Furniture, fixtures and equipment, net Intangible assets, net Other assets - Total assets classified as held for sale $ $ Accounts payable Accrued expenses Deferred revenue and customer deposits Other current liabilities Total current liabilities Total liabilities classified as subject to sale $ $ The following table presents the major classes of line items constituting net loss from discontinued operations , which is presented in the Condensed Consolidated Statement of Comprehensive Income: Three months ended Six months ended June 30, June 30, June 30, June 30, 2015 2014 2015 2014 Revenue $ $ $ $ Cost of revenue (excludes depreciation and amortization) Sales and marketing Product development and technology General and administrative Depreciation and amortization Interest income and other Net loss from discontinued operations $ $ $ $

Organization And Basis Of Pre26

Organization And Basis Of Presentation (Narrative) (Details)	6 Months Ended
	Jun. 30, 2015item
Organization And Basis Of Presentation [Abstract]
Number of financial products	300

Goodwill And Intangible Asset27

Goodwill And Intangible Assets (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Goodwill And Intangible Assets [Abstract]
Amortization expense	$ 13.9	$ 12.8	$ 27.7	$ 25

Goodwill And Intangible Asset28

Goodwill And Intangible Assets (Summary Of Goodwill Activity) (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2015USD ($)
Goodwill And Intangible Assets [Abstract]
Balance, January 1, 2015	$ 641,367
Additions due to acquisitions	22,222
Balance, March 31, 2015	$ 663,589

Goodwill And Intangible Asset29

Goodwill And Intangible Assets (Components Of Intangible Assets Subject To Amortization) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Cost	$ 585,697	$ 567,655
Accumulated Amortization	(256,439)	(228,667)
Total expected amortization expense for intangible assets	329,258	338,988
Trademarks and URLs [Member]
Finite-Lived Intangible Assets [Line Items]
Cost	299,508	293,241
Accumulated Amortization	(87,804)	(75,176)
Total expected amortization expense for intangible assets	211,704	218,065
Customer Relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Cost	224,190	223,906
Accumulated Amortization	(135,091)	(122,201)
Total expected amortization expense for intangible assets	89,099	101,705
Affiliate relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Cost	22,770	22,780
Accumulated Amortization	(13,069)	(12,617)
Total expected amortization expense for intangible assets	9,701	10,163
Developed Technology [Member]
Finite-Lived Intangible Assets [Line Items]
Cost	39,229	27,728
Accumulated Amortization	(20,475)	(18,673)
Total expected amortization expense for intangible assets	$ 18,754	$ 9,055

Goodwill And Intangible Asset30

Goodwill And Intangible Assets (Summary Of Future Amortization Expense) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Goodwill And Intangible Assets [Abstract]
Remainder of 2015	$ 25,462
2,016	49,951
2,017	47,249
2,018	40,339
2,019	27,734
Thereafter	138,523
Total expected amortization expense for intangible assets	$ 329,258	$ 338,988

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share	2,723,293	2,612,684	2,723,293	586,667

Earnings Per Share (Schedule Of

Earnings Per Share (Schedule Of Computation Of Basic And Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Earnings Per Share [Abstract]
Net income (loss) from continuing operations	$ 473	$ (1,827)	$ 5,750	$ 2,705
Net loss from discontinued operations, net of income taxes	(153)	(366)	(477)	(812)
Net (loss) income	$ 320	$ (2,193)	$ 5,273	$ 1,893
Weighted average common shares outstanding for basic earnings per share	102,705,717	101,894,188	102,578,638	101,389,630
Additional dilutive shares related to share based awards	2,916,790		2,917,694	2,026,017
Weighted average common shares outstanding for diluted earnings per share	105,622,507	101,894,188	105,496,332	103,415,647
Basic net income (loss) per share:
Continuing operations	$ 0	$ (0.02)	$ 0.06	$ 0.03
Discontinued operations			(0.01)	(0.01)
Basic net (loss) income per share	$ 0	$ (0.02)	0.05	0.02
Diluted net income (loss) per share
Continuing operations	$ 0	$ (0.02)	$ 0.05	0.03
Discontinued operations				(0.01)
Diluted net (loss) income per share	$ 0	$ (0.02)	$ 0.05	$ 0.02

Stockholders' Equity (Details)

Stockholders' Equity (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Balance			$ 823,286
Balance, Shares			98,296,110
Other comprehensive income, net of taxes			$ 27
Treasury stock purchased			(2,303)
Stock-based compensation			11,853
Net income	$ 320	$ (2,193)	5,273	$ 1,893
Balance	$ 838,136		$ 838,136
Balance, Shares	98,673,094		98,673,094
Common Stock [Member]
Balance			$ 1,023
Balance, Shares			102,287,000
Restricted stock issued, net of cancellations			$ 5
Restricted stock issued, net of cancellations, Shares			557,000
Balance	$ 1,028		$ 1,028
Balance, Shares	102,844,000		102,844,000
Additional paid-in capital [Member]
Balance			$ 904,740
Restricted stock issued, net of cancellations			(5)
Stock-based compensation			11,853
Balance	$ 916,588		916,588
Accumulated Deficit [Member]
Balance			(23,639)
Net income			5,273
Balance	(18,366)		(18,366)
Treasury Stock [Member]
Balance			$ (58,472)
Balance, Shares			(3,991,000)
Treasury stock purchased			$ (2,303)
Treasury stock purchased, Shares			(180,000)
Balance	$ (60,775)		$ (60,775)
Balance, Shares	(4,171,000)		(4,171,000)
Accumulated Other Comprehensive Loss - Foreign Currency Translation [Member]
Balance			$ (366)
Other comprehensive income, net of taxes			27
Balance	$ (339)		$ (339)

Segments (Narrative) (Details)

Segments (Narrative) (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Revenues from External Customers and Long-Lived Assets [Line Items]
Interest and other expenses, net	[1]	$ 6,417	$ 5,162	$ 11,693	$ 10,352
Exit Of An Office Lease [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Interest and other expenses, net				$ 1,200
[1]	2015 includes a $1.2 million charge related to the exit of an office lease.

Segments (Schedule Of Revenue B

Segments (Schedule Of Revenue By Reportable Segments) (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Segment Reporting Information [Line Items]
Revenues		$ 132,865	$ 130,367	$ 274,406	$ 266,642
Adjusted EBITDA		35,776	32,381	76,197	69,244
Interest and other expenses, net	[1]	6,417	5,162	11,693	10,352
Depreciation and amortization		15,857	14,590	31,562	28,446
Changes in fair value of contingent acquisition consideration		628	743	387	2,150
Stock-based compensation expense		6,037	4,415	11,853	8,338
Legal settlements		3	9,190	3	9,191
Acquisition, offering and related expenses		311	159	574	2,562
Restatement charges	[2]	5,385	603	9,558	1,280
Impact of purchase accounting		1	220	34	220
Income tax expense (benefit)		664	(874)	4,783	4,000
Net income (loss) from continuing operations		473	(1,827)	5,750	2,705
Banking [Member]
Segment Reporting Information [Line Items]
Revenues		26,972	29,136	55,142	61,600
Adjusted EBITDA		9,202	10,994	19,761	24,189
Credit Cards [Member]
Segment Reporting Information [Line Items]
Revenues		56,054	55,054	112,828	107,886
Adjusted EBITDA		25,816	20,511	51,904	41,975
Insurance [Member]
Segment Reporting Information [Line Items]
Revenues		43,902	45,363	96,433	97,677
Adjusted EBITDA		4,508	5,479	12,851	12,169
Other [Member]
Segment Reporting Information [Line Items]
Revenues		5,937	814	10,003	(521)
Adjusted EBITDA		$ (3,750)	$ (4,603)	$ (8,319)	$ (9,089)
[1]	2015 includes a $1.2 million charge related to the exit of an office lease.
[2]	Restatement charges include expenses related to unusual regulatory actions, the Internal Review, and restatement of our financial statements and related litigation.

Fair Value Measurement (Narrati

Fair Value Measurement (Narrative) (Details) - 6 months ended Jun. 30, 2015 - USD ($)	Total
Decrease in fair value of contingent consideration	$ (946,000)
Change in fair value of contingent consideration related to a passage of time	$ 1,300,000
Minimum [Member]
Discount factor	14.00%
Maximum [Member]
Discount factor	16.00%

Fair Value Measurement (Estimat

Fair Value Measurement (Estimated Fair Value And Related Carrying Amounts) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Long term debt	$ 297,900	$ 297,598
Estimated Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Long term debt	$ 292,500	$ 280,500

Fair Value Measurement (Fair Va

Fair Value Measurement (Fair Value Measurement Of Contingent Acquisition Consideration) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration	$ 9,280	$ 19,028
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration	$ 9,280	$ 19,028
Contingent acquisition consideration [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration	$ 9,280	$ 19,028
Contingent acquisition consideration [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration
Contingent acquisition consideration [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration
Contingent acquisition consideration [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Contingent acquisition consideration	$ 9,280	$ 19,028

Fair Value Measurement (Reconci

Fair Value Measurement (Reconciliation Of Changes In The Fair Value Of The Company's Level 3 Financial Assets) (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2015USD ($)
Fair Value Measurement [Abstract]
Balance at beginning of period	$ 19,028
Additions to Level 3	$ 2,737
Transfers into Level 3
Transfers out of Level 3
Change in fair value	$ 387
Payments	(12,872)
Balance at end of period	$ 9,280

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2011
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense, restricted stock	$ 4.6	$ 2.5	$ 8.8	$ 4.5
Unrecognized compensation costs, net of forfeitures, not related to stock option awards	$ 29.1		$ 29.1
Unrecognized compensation costs, recognition period			1 year 6 months
Number of shares granted			1,319,396
Average grant date fair value			$ 12.64
Performance Based Restricted Shares [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted			1,383,526
Average grant date fair value			$ 12.76
Granted amount as percentage of target			150.00%
Performance Based Restricted Shares [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Condition on issuance of performance shares, range percentage			0.00%
Performance Based Restricted Shares [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Condition on issuance of performance shares, range percentage			100.00%
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation costs, recognition period			10 months 24 days
Stock options vested			426,000
Closing price of common stock	$ 10.49		$ 10.49
Unrecognized compensation costs, net of forfeitures, related to non-vested stock option awards	$ 2.5		$ 2.5
2011 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock based compensation program grant stock based awards					12,120,000
Shares available for future issuance	1,508,157		1,508,157

Stock-Based Compensation (Stock

Stock-Based Compensation (Stock-Based Compensation Expense For Stock Options And Restricted Stock Awards (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]
Total stock-based compensation expense	$ 6,037	$ 4,415	$ 11,853	$ 8,338
Cost Of Revenue [Member]
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]
Total stock-based compensation expense	607	388	1,173	697
Sales And Marketing [Member]
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]
Total stock-based compensation expense	970	663	1,998	1,226
Product Development And Technology [Member]
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]
Total stock-based compensation expense	1,254	707	2,357	1,214
General And Administrative [Member]
Employee Service Share-based Compensation, Allocation of Recognized Period Costs [Line Items]
Total stock-based compensation expense	$ 3,206	$ 2,657	$ 6,325	$ 5,201

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary Of Restricted Stock Award Activity) (Details) - 6 months ended Jun. 30, 2015 - Restricted Stock [Member] - $ / shares	Total
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of Shares, Beginning Balance	2,162,382
Number of Shares, Granted	1,319,396
Number of Shares, Vested and released	(557,435)
Number of Shares, Forfeited	(41,567)
Number of Shares, Ending Balance	2,882,776
Weighted Average Grant Date Fair Value, Beginning Balance	$ 14.40
Weighted Average Grant Date Fair Value, Granted	12.64
Weighted Average Grant Date Fair Value, Vested and released	15.48
Weighted Average Grant Date Fair Value, Forfeited	14.15
Weighted Average Grant Date Fair Value, Ending Balance	$ 12.89

Stock-Based Compensation (Sched

Stock-Based Compensation (Schedule Of Performance Based Shares) (Details) - 6 months ended Jun. 30, 2015 - Performance Based Restricted Shares [Member] - $ / shares	Total
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of Shares, Beginning Balance	1,020,720
Number of Shares, Granted	1,383,526
Number of Shares, Forfeited	(3,000)
Number of Shares, Ending Balance	2,401,246
Weighted Average Grant Date Fair Value, Beginning Balance	$ 15.71
Weighted Average Grant Date Fair Value, Granted	12.76
Weighted Average Grant Date Fair Value, Forfeited	16.06
Weighted Average Grant Date Fair Value, Ending Balance	$ 14.01

Stock-Based Compensation (Sto44

Stock-Based Compensation (Stock Option Activity) (Details) - 6 months ended Jun. 30, 2015 - USD ($) $ / shares in Units, $ in Thousands	Total
Stock-Based Compensation [Abstract]
Number of Shares, Beginning Balance	2,825,709
Number of Shares, Forfeited	(3,280)
Number of Shares, Expired	(26,636)
Number of Shares, Ending Balance	2,795,793
Price Per Share, Minimum Beginning Balance	$ 11.05
Price Per Share, Maximum Beginning Balance	24.25
Price Per Share, Forfeited	15
Price Per Share, Expired	15
Price Per Share, Minimum Ending Balance	11.05
Price Per Share, Maximum Ending Balance	24.25
Weighted Average Exercise Price, Beginning Balance	16.04
Weighted Average Exercise Price, Forfeited	15
Weighted Average Exercise Price, Expired	15
Weighted Average Exercise Price, Ending Balance	$ 16.05
Aggregate Intrinsic Value, Beginning Balance	$ 85,250

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Income Taxes [Abstract]
Unrecognized tax benefits					$ 5,200,000
Interest and penalties recognized	$ 10,000	$ 78,000	$ 19,000	$ 156,000
Effective income tax rate	58.40%	32.40%	45.40%	59.70%

Commitments And Contingencies (

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Sep. 30, 2014
Loss Contingencies [Line Items]
Proposed settlement penalty	$ 15
Recorded reserve for proposed settlement penalty		$ 15
BanxCorp Litigation [Member]
Loss Contingencies [Line Items]
Compensatory damages, treble damages, and attorneys' fees and costs	$ 180

Debt (Senior Notes) (Details)

Debt (Senior Notes) (Details) - USD ($)	Aug. 02, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	May. 11, 2015	Mar. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Amortization of original issue discounts included in interest and other expenses		$ 152,000	$ 143,000	$ 302,000	$ 284,000
Outstanding discounts		2,100,000		2,100,000				$ 2,400,000
Long term debt, net of unamortized discount		297,900,000		$ 297,900,000				297,598,000
Senior Secured Notes [Member]
Debt Instrument [Line Items]
Redemption price, percentage of principal amount redeemed	98.938%
Senior Notes [Member]
Debt Instrument [Line Items]
Interest rate	6.125%
Redemption price, percentage				101.00%
Interest expense excluding amortization		4,600,000	4,600,000	$ 9,300,000	9,500,000
Amortization of deferred financing costs		409,000	$ 316,000	766,000	$ 627,000
Consent payment						$ 374,000	$ 354,000
Senior Notes and Senior Secured Notes [Member]
Debt Instrument [Line Items]
Unamortized deferred loan fees		$ 5,800,000		$ 5,800,000				$ 5,800,000

Debt (Revolving Credit Facility

Debt (Revolving Credit Facility) (Narrative) (Details) - Revolving Credit Facility [Member] - Royal Bank Of Canada [Member] - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014	Aug. 07, 2013
Line of Credit Facility [Line Items]
Revolving credit facility, amount						$ 70,000,000
Debt maturity date			May 17, 2018
Maximum consolidated leverage ratio			400.00%
Maximum aggregate amount of total commitments			30.00%
Amount available for borrowing	$ 70,000,000		$ 70,000,000
Amounts outstanding	0		0
Amortization of deferred financing costs	85,000	$ 85,000	169,000	$ 169,000
Unamortized deferred loan fees	$ 888,000		$ 888,000		$ 1,100,000
Minimum [Member]
Line of Credit Facility [Line Items]
Commitment fee percentage			0.375%
Maximum [Member]
Line of Credit Facility [Line Items]
Commitment fee percentage			0.50%
Base Rate [Member]
Line of Credit Facility [Line Items]
Applicable margin rate			3.00%
LIBOR [Member]
Line of Credit Facility [Line Items]
Applicable margin rate			2.00%

Acquisitions (Narrative) (Detai

Acquisitions (Narrative) (Details) - USD ($)	Dec. 01, 2014	Jun. 30, 2015	Dec. 31, 2014	May. 31, 2014	May. 01, 2014
Acquired Finite-Lived Intangible Assets [Line Items]
Goodwill		$ 663,589,000	$ 641,367,000
2015 Acquisitions [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Aggregate purchase price		40,300,000
Fair value of contingent acquisition consideration		2,700,000
Goodwill		22,200,000
Intangible assets		$ 17,800,000
Weighted Average Amortization Period (Years)		10 years
Caring, Inc. [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Aggregate purchase price					$ 53,700,000
Escrow deposit			4,300,000
Goodwill				$ 23,000,000
Intangible assets				29,500,000
Wallaby Financial, Inc. [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Business Combination, Consideration Transferred	$ 10,000,000
Goodwill			6,100,000
Intangible assets			$ 3,900,000
Weighted Average Amortization Period (Years)			5 years
Developed Technology [Member] | 2015 Acquisitions [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets		$ 11,500,000
Developed Technology [Member] | Caring, Inc. [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets				5,000,000
Developed Technology [Member] | Wallaby Financial, Inc. [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets			$ 3,600,000
Trademarks And Domain Names [Member] | 2015 Acquisitions [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets		3,700,000
Customer Relationships [Member] | 2015 Acquisitions [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets		$ 2,600,000
Customer Relationships [Member] | Caring, Inc. [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets				9,900,000
Trademarks [Member] | Wallaby Financial, Inc. [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets			$ 250,000
Internet Domain Names [Member] | Caring, Inc. [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible assets				$ 14,600,000

Discontinued Operations (Schedu

Discontinued Operations (Schedule of Disposal Groups, Including Discontinued Operations, Condensed Consolidated Balance Sheet) (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Discontinued Operations [Abstract]
Cash and cash equivalents	$ 490	$ 326	$ 398
Accounts receivable, net	186	479
Prepaid expenses and other current assets	132	177
Total current assets	808	982
Furniture, fixtures and equipment, net	494	635
Intangible assets, net	10	10
Other assets	127
Total assets classified as held for sale	1,439	1,627
Accounts payable	11	5
Accrued expenses	280	442
Deferred revenue and customer deposits	130	194
Other current liabilities	18	433
Total current liabilities	439	1,074
Total liabilities classified as held for sale	$ 439	$ 1,074

Discontinued Operations (Sche51

Discontinued Operations (Schedule of Disposal Groups, Including Discontinued Operations, Condensed Consolidated Statement Of Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Discontinued Operations [Abstract]
Revenue	$ 370	$ 296	$ 586	$ 496
Cost of revenue (excludes depreciation and amortization)	114	175	210	342
Sales and marketing	104	99	233	229
Product development and technology	52	92	92	178
General and administrative	163	191	344	380
Depreciation and amortization	95	107	189	180
Interest income and other	(5)	(2)	(5)	(1)
Net loss from discontinued operations	$ (153)	$ (366)	$ (477)	$ (812)

Uncategorized Items - rate-2015

Label	Element	Value
Cash and Cash Equivalents, at Carrying Value, Including Discontinued Operations	us-gaap_CashAndCashEquivalentsAtCarryingValueIncludingDiscontinuedOperations	$ 139,007
Cash and Cash Equivalents, at Carrying Value, Including Discontinued Operations	us-gaap_CashAndCashEquivalentsAtCarryingValueIncludingDiscontinuedOperations	$ 175,779