QD vs SYF

Qudian Inc.

Qudian Inc. operates a technology platform for the enhancement of online consumer finance experience in the People's Republic of China. Its technology platform enables credit providers to offer consumer credit to young generation of consumers. The company offers small credit products to consumers; merchandise credit products to finance borrowers' direct purchase of merchandise offered on its marketplace on an installment basis; and loan recommendation and referral services to third-party financial service providers. Qudian Inc. was founded in 2014 and is headquartered in Xiamen, the People's Republic of China.

Synchrony Financial

Synchrony Financial operates as a consumer financial services company in the United States. It provides a range of specialized financing programs and consumer banking products to digital, retail, home, auto, travel, health, and pet industries. The company also offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium-sized business credit products; and promotional financing for consumer purchases, such as private label credit cards, dual cards, and installment loans. In addition, it provides promotional financing to consumers for health, veterinary and personal care procedures, and services and products, such as dental, vision, audiology, and cosmetic; debt cancellation products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts to retail and commercial customers, as well as accepts deposits through third-party securities brokerage firms. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. Synchrony Financial was incorporated in 2003 and is headquartered in Stamford, Connecticut.