Held this stock for many years. Was lucky enough to get out at...

Held this stock for many years. Was lucky enough to get out at their highs as I was concerned about the consumer financing issues. My numbers told me that their bottom line would get hammered under the new consumer regulations. Now we have sales dropping which was not unexpected as car sales have had a great run for many years.
However the share price is now getting close to a buy again. Hanging out for $2.90. I think that the upside is that sales will stabilise and as usual the manufactures will get more aggressive with pricing, as they usually do when sales are under pressure. Also thr transport business will start to contribute to profit again in 17/18.
The new consumer finance regulations will have full impact in 19/20 financial year and I would like to think that the company has increased profits and restructured the way they do finance to nullify some of the impact by then. I also think that the purchase of Carlisle auctions is a smart move as AHG auction a huge amount to used cars through the auction house and therefore they will get a share of the profit.
Dividends will take a hit,however could still be 6% ff. DYOR.