I think it comes down to two major questions. Who really has these Alliance Healthcard memberships and is it a segment that is viable in the future. They give the generic 240 various companies, mainly financial institutions, but who and why will they continue this service when their customers can get healthcare for next to nothing in the near future. Also could the over reliance on Rent A Center end up killing them. Targeting Aarons, seems out of the question, with their warrenty program being run in house.
I have followed them for awhile and I do not know exactly where the vast majority of retail plan memberships come from. It seems that the market does not think it is something that will continue to grow, not withstanding the new FAMSA marketing.
Either the retail or the wholesale divison gets another large nationwide client, or I think they will never be valued at traditional norms.
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