Based on the aggregated intelligence of 165,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, apparel retailer Quiksilver (NYSE: ZQK) has received a distressing two-star ranking.

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

Quiksilver facts

Headquarters (Founded)

Huntington Beach, Calif. (1976)

Market Cap

$541.7 million

Industry

Apparel, accessories, and luxury goods

Trailing-12-Month Revenue

$1.9 billion

Management

Co-Founder/CEO Robert McKnight, Jr.
CFO Joseph Scirocco

Return on Equity (Average, Past 3 Years)

1.9%

Cash/Debt

$145.3 million / $878.0 million

Year-to-Date Return

107%

Competitors

Nike (NYSE: NKE)
Volcom
Abercrombie & Fitch (NYSE: ANF)

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

On CAPS, 14% of the 296 members who have rated Quiksilver believe the stock will underperform the S&P 500 going forward. These bears include All-Stars colddrink73 and rknapton, both of whom are ranked in the top 15% of our community.

Earlier this year, coldrink73 noted that Quiksilver's bear case all boiled down to price: 

I like the company and have been wearing their gear for like 20 years. The only place I can find it now is at Ross but its [cheaper] there anyway. I just don't see the recent run up in stock price as sustainable.

In more recent pitch from last week, rknapton expanded on that bearishness. Here's an excerpt:

I'm not really saying this company is completely worthless, but yes, here is a company with almost a $600 million market cap, that does roughly $2 billion in revenues, but they also have nearly a billion dollars in debt. ... Not to mention this is all on top of a decline in revenues over the last few years. Somehow the average estimates by analysts for EPS in 2011 is $0.24, for a forward P/E of 19, but 1) I don't believe that EPS number will be realized, and 2) I think even if they did realize it, that is too high of earnings multiple for a company with this much debt.

The company has some great brands ... but I just can't be bullish on [Quiksilver] in its entirety when they haven't been able to be profitable with these brands over the last few years.

What do you think about Quiksilver, 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!