Based on the aggregated intelligence of 170,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, navigation device maker Garmin (Nasdaq: GRMN) has received a distressing two-star ranking.

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

Garmin facts

Headquarters (Founded) Camana Bay, Cayman Islands (2000)
Market Cap $6.59 billion
Industry Consumer electronics
Trailing-12-Month Revenue $2.77 billion
Management

CEO Dr. Min Kao (since 2002)

COO Clifton Pemble (since 2007)

Return on Equity (Average, Past 3 Years) 26%
Cash/Debt $1.25 billion / $0
Competitors

Apple (Nasdaq: AAPL)

Google (Nasdaq: GOOG)

Research In Motion (Nasdaq: RIMM)

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

On CAPS, 8% of the 4,926 members who have rated Garmin believe the stock will underperform the S&P 500 going forward. These bears include SDB15 and guiganol.

Earlier this year, SDB15 touched on Garmin's differentiation difficulties: "Smartphones have taken their place. There is no demand for a separate unit when an app will do."

Over the next five years, in fact, Garmin is expected to grow its bottom line at a paltry rate of 4.4% annually. That's obviously much slower than smartphone players like Apple (21.3%), Google (17.4%), and Research In Motion (11.2%).

CAPS member guiganol elaborates on the Garmin bear case:

Google maps is moving to offline navigation. Can Garmin out-innovate? I don't think so -- they've had plenty of time during the last couple of years to convince us that paying is worth it. It might have been ... but now ... well, let's say a new road is opened or an old one closed. How long would it take a small outfit like Garmin to update that information? While you got Google vans roaming all around the towns and cities everyday going into places that even some would rather they didn't.

What do you think about Garmin, 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. Motley Fool newsletter services have recommended buying shares of Google and Apple and creating a bull call spread position in Apple. The Motley Fool owns shares of Apple and Google. Try any of our Foolish newsletter services free for 30 days.

We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Fool's disclosure policy always gets a perfect score.