Statutory profits rose by a third as the costs of the various regulatory investigations Provident has faced in recent years eased, but on an underlying basis there was an increase of just 1.6% to £162.6mln.
Group receivables edged up by 0.4% in 2019 (4.9%) though Vanquis Bank's receivables reduced by 2.2% to £1.46bn
Car lender Moneybarn boosted its loan book by 21% while lending by the home credit business fell by 15%.
Reflecting its improved financial health, Provident upped the dividend by 150% to 25p.
Malcom Le May, chief executive, reiterated the target is to grow the loan book by between 5% and 10% per annum over the next five years.