Car finance and sub-prime lender S&U (LON:SUS) saw demand for credit ease in the run-up to the recent General Election, though profitability and cashflow both improved.
Home Credit was most affected by the Election, and also changes to the regulatory regime for sub-prime lending, but weekly door-to-door collections remained strong.
Motor finance arm Advantage Finance met its transaction targets, S&U said, with debt quality at record levels.
Cash generation was described as good in both businesses and with new bank facilities, finances are more than sufficient to meet an expected uptick in car transactions in the summer.
Talks are ongoing with the Prudential Regulatory Authority and Financial Conduct Authority (FCA) over a Deposit Taking Licence to boost its financial flexibility.
S&U has also applied for full FCA authorisation for its Home Credit business, while Advantage Finance will apply early next year.
Anthony Coombs, S&U Chairman, said: "Although forthcoming regulatory changes and a pause in consumer appetite pending the General Election have made sales less buoyant than the recent past, croup collections, debt quality and our treasury position remain very strong.
“We look forward to yet another successful year."