Based on the aggregated intelligence of 150,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, business card and calendar specialist Vistaprint (Nasdaq: VPRT) has received the dreaded one-star ranking.

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

Vistaprint facts

Headquarters

Venlo, Netherlands

Market Cap

$2.7 billion

Industry

Internet software and services

Trailing-12-Month Revenue

$602.4 million

Management

Founder/CEO Robert Keane

CFO Michael Giannetto

Price-to-Earnings (VPRT and S&P 500)

40.0 and 11.6

1-Year Return

169%

Key Customers

FedEx (NYSE: FDX)

Intuit (Nasdaq: INTU)

OfficeMax (NYSE: OMX)

Key Suppliers

Amazon.com (Nasdaq: AMZN)

eBay (Nasdaq: EBAY)

Google (Nasdaq: GOOG)

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

On CAPS, 33% of the 262 members who have rated Vistaprint believe the stock will underperform the S&P 500 going forward. These bears include WombRaider and bfaulkner87.

About six weeks ago, WombRaider summed up the bear case with one simple business truth: "When you burn your customers, eventually it will bite you."

In a pitch from late last year, bfaulkner87 expands on that sentiment. Here's an excerpt:

Currently trading at about 40x p/e, which, despite the fact that the company is growing its top line quite well, is not going to produce a meaningful return for long-term investors. What's interesting is when you actually take a look at those earnings the price becomes even more ridiculous. ...

When you order from vistaprint.com after you fill out your credit card info there is a display button that says, "save $10." If you click on the link your credit card info is automatically sent to a third party, Vertrue Inc. and you're charged $14.95 every month without notice or receipt. ...

Vistaprint downplays the referral revenue's significance by comparing it to their revenue, not their net income. ... So the lofty 40x earnings actually becomes about 100x earnings less referral revenue at a 35% tax rate.

What do you think about Vistaprint, 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!