Based on the aggregated intelligence of 145,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, online family history resource Ancestry.com (NASDAQ:ACOM) has received the dreaded one-star ranking.

With that in mind, let's take a closer look at Ancestry.com's business and see what CAPS investors are saying about the stock right now.

Ancestry.com facts

Headquarters

Provo, Utah

Market Cap

$598.3 million

Industry

Internet software and services

Trailing-12-Month Revenue

$217.2 million

Management

CEO Timothy Sullivan (since 2005)

CFO Howard Hochhauser (since 2009)

Trailing-12-Month Net Income Margin

5.1%

Cash/Debt

$60.6 million / $114.7 million

Price-to-Earnings (ACOM and Industry)

50.6 and 26.1

Competitors

Google (NASDAQ:GOOG)

CAPS Members Bearish on ACOM Also Bearish on

Amazon.com (NASDAQ:AMZN)

Coca-Cola (NYSE:KO)

Baidu.com (NASDAQ:BIDU)

CAPS Members Bullish on ACOM Also Bullish on

eBay (NASDAQ:EBAY)

Apple (NASDAQ:AAPL)

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 42% of the 24 members who have rated Ancestry.com believe the stock will underperform the S&P 500 going forward. These bears All-Star mistercube and illstocks.

Late last year, mistercube voiced skepticism over the company's business model:

[F]or the genealogical fanatic, aren't [Ancestry.com's] services exhausted in the course of a year's subscription? (ANOTHER HINT: Aren't yearly subscriptions a way of front-loading earnings?) What happens when the [subscriptions] disappear?...

Only if one of Google's search competitors decides this would make a nice addition to an eclectic portfolio (and overpays for the privilege) does this stock outperform the S&P.

In a pitch from four days earlier, illstocks shares that bearish sentiment:

How will they make a profit for investors? There are plenty of free sites on the Internet offering free genealogy products, why should this be any different? I heard they want to use their site as a social gathering place to find out about ancestry. Facebook could easily make an application from a rival company that has all those features. I am not convinced what this company has to offer that is attractive, so at the moment i don't think it will be a good investment.

What do you think about Ancestry.com, or any other stock for that matter? If you want to retire rich, you need to protect your portfolio from any undue risk. Staying away from dangerous stocks is crucial to securing your financial future, and on Motley Fool CAPS, thousands of investors are working every day to flag them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Google and Baidu are Motley Fool Rule Breakers picks. Coca-Cola is a choice of both Inside Value and Income Investor. Amazon, eBay, and Apple are selections of Stock Advisor. Motley Fool Options has recommended a bull call spread position on eBay. The Fool's disclosure policy always gets a perfect score.