Nifty
Sensex
:
:
18534.40
62622.24
-99.45 (-0.53%)
-346.89 (-0.55%)

IT - Software Services

Rating :
66/99

BSE: 532540 | NSE: TCS

3289.50
31-May-2023
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 3309.00
  • 3327.70
  • 3265.15
  • 3316.20
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  5815424
  •  191562.82
  •  3575.00
  •  2926.10

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,204,193.81
  • 28.57
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,193,161.81
  • 3.49%
  • 13.32

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 72.30%
  • 0.27%
  • 4.68%
  • FII
  • DII
  • Others
  • 12.72%
  • 9.09%
  • 0.94%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 10.67
  • 9.01
  • 11.15

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.92
  • 8.39
  • 4.89

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.20
  • 6.02
  • 9.13

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 25.44
  • 29.12
  • 32.90

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 9.46
  • 10.86
  • 12.37

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 18.15
  • 20.22
  • 21.85

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Var%
Dec 22
Dec 21
Var%
Sep 22
Sep 21
Var%
Jun 22
Jun 21
Var%
Net Sales
59,162.00
50,591.00
16.94%
58,229.00
48,885.00
19.11%
55,309.00
46,867.00
18.01%
52,758.00
45,411.00
16.18%
Expenses
43,388.00
36,746.00
18.08%
42,676.00
35,452.00
20.38%
40,793.00
33,751.00
20.86%
39,342.00
32,748.00
20.14%
EBITDA
15,774.00
13,845.00
13.93%
15,553.00
13,433.00
15.78%
14,516.00
13,116.00
10.67%
13,416.00
12,663.00
5.95%
EBIDTM
26.66%
27.37%
26.71%
27.48%
26.25%
27.99%
25.43%
27.89%
Other Income
1,175.00
981.00
19.78%
520.00
1,205.00
-56.85%
965.00
1,111.00
-13.14%
789.00
721.00
9.43%
Interest
272.00
245.00
11.02%
160.00
251.00
-36.25%
148.00
142.00
4.23%
199.00
146.00
36.30%
Depreciation
1,286.00
1,217.00
5.67%
1,269.00
1,196.00
6.10%
1,237.00
1,116.00
10.84%
1,230.00
1,075.00
14.42%
PBT
15,391.00
13,364.00
15.17%
14,644.00
13,191.00
11.02%
14,096.00
12,969.00
8.69%
12,776.00
12,163.00
5.04%
Tax
3,955.00
3,405.00
16.15%
3,761.00
3,385.00
11.11%
3,631.00
3,316.00
9.50%
3,257.00
3,132.00
3.99%
PAT
11,436.00
9,959.00
14.83%
10,883.00
9,806.00
10.98%
10,465.00
9,653.00
8.41%
9,519.00
9,031.00
5.40%
PATM
19.33%
19.69%
18.69%
20.06%
18.92%
20.60%
18.04%
19.89%
EPS
31.13
27.12
14.79%
29.63
26.40
12.23%
28.50
26.01
9.57%
25.90
24.35
6.37%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Net Sales
-
225,458.00
191,754.00
164,177.00
156,949.00
146,463.00
123,104.00
117,966.00
108,646.00
94,648.41
81,809.36
Net Sales Growth
-
17.58%
16.80%
4.61%
7.16%
18.98%
4.36%
8.58%
14.79%
15.69%
 
Cost Of Goods Sold
-
35.00
26.00
15.00
17.00
40.00
86.00
93.00
0.00
0.00
0.00
Gross Profit
-
225,423.00
191,728.00
164,162.00
156,932.00
146,423.00
123,018.00
117,873.00
108,646.00
94,648.41
81,809.36
GP Margin
-
99.98%
99.99%
99.99%
99.99%
99.97%
99.93%
99.92%
100%
100%
100%
Total Expenditure
-
166,360.00
138,706.00
117,631.00
114,840.00
106,957.00
90,588.00
85,655.00
77,969.00
70,166.70
56,662.40
Power & Fuel Cost
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
573.87
527.10
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0.61%
0.64%
Employee Cost
-
127,522.00
107,542.00
91,804.00
85,952.00
78,246.00
66,383.00
61,621.00
55,348.00
50,924.35
40,486.30
% Of Sales
-
56.56%
56.08%
55.92%
54.76%
53.42%
53.92%
52.24%
50.94%
53.80%
49.49%
Manufacturing Exp.
-
2,655.00
2,139.00
2,131.00
2,702.00
4,262.00
3,938.00
3,685.00
3,406.00
9,811.27
8,180.67
% Of Sales
-
1.18%
1.12%
1.30%
1.72%
2.91%
3.20%
3.12%
3.13%
10.37%
10.00%
General & Admin Exp.
-
34,001.00
27,718.00
22,033.00
24,137.00
21,772.00
17,361.00
17,416.00
16,509.00
4,842.25
4,278.52
% Of Sales
-
15.08%
14.45%
13.42%
15.38%
14.87%
14.10%
14.76%
15.20%
5.12%
5.23%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
301.00
144.00
201.00
144.00
407.00
206.00
125.00
135.00
179.13
0.00
% Of Sales
-
0.13%
0.08%
0.12%
0.09%
0.28%
0.17%
0.11%
0.12%
0.19%
0.12%
EBITDA
-
59,098.00
53,048.00
46,546.00
42,109.00
39,506.00
32,516.00
32,311.00
30,677.00
24,481.71
25,146.96
EBITDA Margin
-
26.21%
27.66%
28.35%
26.83%
26.97%
26.41%
27.39%
28.24%
25.87%
30.74%
Other Income
-
3,610.00
4,027.00
3,134.00
4,592.00
4,311.00
3,642.00
4,221.00
3,084.00
3,229.91
1,642.57
Interest
-
779.00
784.00
637.00
924.00
198.00
52.00
32.00
33.00
104.19
38.52
Depreciation
-
5,022.00
4,604.00
4,065.00
3,529.00
2,056.00
2,014.00
1,987.00
1,888.00
1,798.69
1,349.15
PBT
-
56,907.00
51,687.00
44,978.00
42,248.00
41,563.00
34,092.00
34,513.00
31,840.00
25,808.74
25,401.86
Tax
-
14,604.00
13,238.00
11,198.00
9,801.00
10,001.00
8,212.00
8,156.00
7,502.00
6,238.79
6,069.99
Tax Rate
-
25.66%
25.61%
25.59%
23.20%
24.06%
24.09%
23.63%
23.56%
23.72%
23.90%
PAT
-
42,147.00
38,327.00
32,430.00
32,340.00
31,472.00
25,826.00
26,289.00
24,270.00
19,852.18
19,163.87
PAT before Minority Interest
-
42,303.00
38,449.00
32,562.00
32,447.00
31,562.00
25,880.00
26,357.00
24,338.00
20,059.70
19,331.87
Minority Interest
-
-156.00
-122.00
-132.00
-107.00
-90.00
-54.00
-68.00
-68.00
-207.52
-168.00
PAT Margin
-
18.69%
19.99%
19.75%
20.61%
21.49%
20.98%
22.29%
22.34%
20.97%
23.43%
PAT Growth
-
9.97%
18.18%
0.28%
2.76%
21.86%
-1.76%
8.32%
22.25%
3.59%
 
EPS
-
115.18
104.74
88.63
88.38
86.01
70.58
71.85
66.33
54.25
52.37

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Shareholder's Funds
90,424.00
89,139.00
86,433.00
84,126.00
89,446.00
85,128.00
86,214.00
71,072.00
50,634.76
49,194.76
Share Capital
366.00
366.00
370.00
375.00
375.00
191.00
197.00
197.00
195.87
195.87
Total Reserves
90,058.00
88,773.00
86,063.00
83,751.00
89,071.00
84,937.00
86,017.00
70,875.00
50,438.89
48,998.89
Non-Current Liabilities
5,580.00
5,609.00
5,565.00
6,262.00
304.00
-511.00
-668.00
-578.00
986.18
1,144.66
Secured Loans
0.00
0.00
0.00
0.00
0.00
54.00
71.00
83.00
113.69
126.21
Unsecured Loans
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.58
1.05
Long Term Provisions
536.00
903.00
975.00
643.00
556.00
543.00
511.00
277.00
631.15
385.59
Current Liabilities
43,558.00
42,351.00
34,155.00
27,060.00
22,084.00
17,828.00
14,512.00
15,569.00
20,318.24
15,670.31
Trade Payables
10,515.00
8,045.00
7,860.00
6,740.00
6,292.00
5,094.00
4,905.00
7,541.00
8,830.93
5,536.02
Other Current Liabilities
19,288.00
21,164.00
15,160.00
13,566.00
10,530.00
8,874.00
6,067.00
5,360.00
3,646.59
3,621.24
Short Term Borrowings
0.00
0.00
0.00
0.00
0.00
181.00
200.00
113.00
185.56
127.09
Short Term Provisions
13,755.00
13,142.00
11,135.00
6,754.00
5,262.00
3,679.00
3,340.00
2,555.00
7,655.16
6,385.96
Total Liabilities
140,344.00
137,806.00
126,828.00
118,071.00
112,287.00
102,847.00
100,424.00
86,418.00
73,066.94
66,717.72
Net Block
20,515.00
21,298.00
21,021.00
20,928.00
12,290.00
11,973.00
11,701.00
11,774.00
11,638.17
9,544.33
Gross Block
43,780.00
44,601.00
38,951.00
36,716.00
26,593.00
25,003.00
22,988.00
21,586.00
19,409.27
16,166.19
Accumulated Depreciation
23,265.00
23,303.00
17,930.00
15,788.00
14,303.00
13,030.00
11,287.00
9,812.00
7,771.10
6,621.86
Non Current Assets
30,074.00
29,496.00
27,548.00
27,834.00
20,156.00
21,623.00
20,108.00
23,205.00
24,253.94
23,811.56
Capital Work in Progress
1,234.00
1,205.00
926.00
906.00
963.00
1,278.00
1,541.00
1,670.00
2,766.37
3,168.48
Non Current Investment
266.00
223.00
213.00
216.00
239.00
301.00
344.00
343.00
169.18
2,275.27
Long Term Loans & Adv.
3,851.00
3,420.00
3,138.00
3,480.00
5,188.00
6,991.00
5,830.00
8,067.00
8,568.18
7,014.20
Other Non Current Assets
4,208.00
3,350.00
2,250.00
2,304.00
1,476.00
1,080.00
692.00
1,351.00
1,112.04
1,809.28
Current Assets
110,270.00
108,310.00
99,280.00
90,237.00
92,131.00
81,224.00
80,316.00
63,213.00
48,813.00
42,897.69
Current Investments
36,897.00
30,262.00
29,160.00
26,140.00
29,091.00
35,707.00
41,636.00
22,479.00
1,492.60
1,158.47
Inventories
28.00
20.00
8.00
5.00
10.00
26.00
21.00
16.00
16.07
15.21
Sundry Debtors
49,954.00
41,810.00
36,662.00
30,532.00
27,346.00
24,943.00
22,617.00
24,073.00
20,437.94
18,230.40
Cash & Bank
11,032.00
18,221.00
9,329.00
9,666.00
12,848.00
7,161.00
4,149.00
6,788.00
18,556.04
14,441.84
Other Current Assets
12,359.00
6,905.00
8,465.00
10,804.00
22,836.00
13,387.00
11,893.00
9,857.00
8,310.35
9,051.77
Short Term Loans & Adv.
7,427.00
11,092.00
15,656.00
13,090.00
13,553.00
3,647.00
3,297.00
3,250.00
1,958.44
2,464.72
Net Current Assets
66,712.00
65,959.00
65,125.00
63,177.00
70,047.00
63,396.00
65,804.00
47,644.00
28,494.76
27,227.38
Total Assets
140,344.00
137,806.00
126,828.00
118,071.00
112,287.00
102,847.00
100,424.00
86,418.00
73,066.94
66,717.72

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Cash From Operating Activity
41,965.00
39,949.00
38,802.00
32,369.00
28,593.00
25,067.00
25,223.00
19,109.00
19,368.78
14,751.41
PBT
56,907.00
51,687.00
43,760.00
42,248.00
41,563.00
34,092.00
34,513.00
31,841.00
26,298.49
25,401.86
Adjustment
2,241.00
2,517.00
3,271.00
634.00
-843.00
-1,207.00
-713.00
-210.00
-195.17
-156.03
Changes in Working Capital
-4,217.00
-2,769.00
863.00
-4,667.00
-2,169.00
-209.00
-631.00
-4,944.00
747.22
-3,450.79
Cash after chg. in Working capital
54,931.00
51,435.00
47,894.00
38,215.00
38,551.00
32,676.00
33,169.00
26,687.00
26,850.54
21,795.04
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-12,966.00
-11,486.00
-9,092.00
-5,846.00
-9,958.00
-7,609.00
-7,946.00
-7,578.00
-7,481.76
-7,043.63
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
39.00
-897.00
-8,129.00
8,565.00
1,596.00
2,886.00
-16,732.00
-5,150.00
-1,701.32
-9,667.08
Net Fixed Assets
-500.00
-3,631.00
-1,735.00
-7,851.00
-1,154.00
-1,408.00
-1,335.00
-1,978.81
-2,548.93
-3,416.05
Net Investments
-6,476.00
-938.00
-2,854.00
2,594.00
6,790.00
5,671.00
-18,771.00
-20,760.30
2,433.72
491.96
Others
7,015.00
3,672.00
-3,540.00
13,822.00
-4,040.00
-1,377.00
3,374.00
17,589.11
-1,586.11
-6,742.99
Cash from Financing Activity
-47,878.00
-33,581.00
-32,634.00
-39,915.00
-27,897.00
-26,885.00
-11,026.00
-9,666.00
-17,167.61
-5,673.24
Net Cash Inflow / Outflow
-5,874.00
5,471.00
-1,961.00
1,019.00
2,292.00
1,068.00
-2,535.00
4,293.00
499.85
-588.91
Opening Cash & Equivalents
12,488.00
6,858.00
8,646.00
7,224.00
4,883.00
3,597.00
6,295.00
1,862.00
1,467.86
1,841.36
Closing Cash & Equivalent
7,123.00
12,488.00
6,858.00
8,646.00
7,224.00
4,883.00
3,597.00
6,295.00
1,861.89
1,467.86

Financial Ratios

Consolidated /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Book Value (Rs.)
246.95
242.22
231.36
222.21
238.01
223.07
217.45
180.25
129.26
125.56
ROA
30.42%
29.06%
26.59%
28.17%
29.34%
25.46%
28.21%
30.52%
28.70%
32.61%
ROE
47.26%
44.13%
38.55%
37.60%
36.18%
30.29%
33.64%
40.01%
40.19%
44.07%
ROCE
64.44%
60.22%
52.56%
50.02%
47.80%
39.84%
43.94%
52.14%
52.56%
57.58%
Fixed Asset Turnover
5.10
4.51
4.34
4.96
5.68
5.13
5.29
5.30
5.32
5.22
Receivable days
74.28
74.68
74.69
67.30
65.15
70.51
72.23
74.77
74.56
72.11
Inventory Days
0.04
0.03
0.01
0.02
0.04
0.07
0.06
0.05
0.06
0.08
Payable days
0.00
0.00
0.00
0.00
24.56
25.19
33.71
49.27
41.50
35.36
Cash Conversion Cycle
74.32
74.71
74.71
67.32
40.64
45.38
38.58
25.55
33.12
36.83
Total Debt/Equity
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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74.05
66.93
69.70
46.72
210.91
656.62
1079.53
965.85
253.41
660.45

News Update:


  • Ikano Bank selects TCS BaNCS for panEurope core banking transformation
    30th May 2023, 12:59 PM

    This led to country-wise silos within the organization, hindering unified risk management and a consistent customer experience

    Read More
  • TCS recognized as leader in Everest Group’s PEAK Matrix for IPA solutions
    25th May 2023, 16:45 PM

    The report highlighted TCS’ transformation approach and wide range of solutions that leverage its MFDM, integrated operations, and partner ecosystem

    Read More
  • TCS positioned as Market Leader in Digital Engineering by HFS Research
    24th May 2023, 16:40 PM

    TCS’ IoT and Digital Engineering framework, Bringing Life to Things helps customers respond to physical context with digital intelligence to unlock exponential business value

    Read More
  • Zurich DIFC transforms business operations with TCS BaNCS
    23rd May 2023, 14:58 PM

    Zurich DIFC was looking for a solution to automate business processes and accelerate claim settlement and accounting closure, while ensuring data consistency

    Read More
  • TCS enters into partnership with Jaguar Land Rover
    23rd May 2023, 10:28 AM

    TCS has been a partner to JLR for more than a decade, contributing to the success of key transformation initiatives across its value chain, including sustainability and digital services

    Read More
  • TCS recognized as leader for worldwide manufacturing intelligence transformation, strategic consulting
    22nd May 2023, 16:50 PM

    TCS offers a comprehensive portfolio of services, solutions, and accelerators across the manufacturing value chain to drive digital transformation

    Read More
  • TCS expands partnership with Google Cloud
    22nd May 2023, 14:30 PM

    TCS has developed a large portfolio of AI-powered solutions and intellectual property in the areas of AIOps, Algo Retail, smart manufacturing, digital twins and robotics

    Read More
  • TCS lays foundation for Versuni to become digital-first, insights-led company
    22nd May 2023, 11:29 AM

    These efforts have paved the way for a comprehensive, future-ready foundation, all within a very rapid 18-month time frame

    Read More
  • TCS-led consortium receives advance purchase order worth Rs 15,000 crore
    22nd May 2023, 09:38 AM

    The consortium led by TCS has received an order from BSNL

    Read More
  • TCS recognized as leader in Everest Group PEAK Matrix for AA&I services
    19th May 2023, 12:23 PM

    According to the report, TCS exhibits strong execution capabilities across the AA&I value chain

    Read More
  • TCS recognized as leader for life sciences sales and marketing strategic consulting services
    17th May 2023, 16:28 PM

    TCS has demonstrated a strong investment in the life science sales and marketing space enabled by its IP-based digital solution and products

    Read More
  • TCS ranked number one IT service provider for customer satisfaction in UK
    12th May 2023, 12:11 PM

    TCS received the top ranking in this survey, for the eighth time

    Read More
  • TCS recognized as leader for Asia/Pacific Intelligent Digital Workplace Services
    3rd May 2023, 10:23 AM

    The company has been recognized as a leader in the IDC MarketScape

    Read More
  • TCS extends partnership with Marks and Spencer plc
    25th Apr 2023, 11:58 AM

    Leveraging its engineering talent and practices, TCS will help drive a culture of futuristic thinking and continuous innovation

    Read More
  • TCS recognized as leader in Capital Markets Operations by Everest Group
    20th Apr 2023, 16:45 PM

    TCS has extended it TCS BaNCS platform for wealth management and wealth advisory to capture the growing demand in this segment

    Read More
  • TCS features as market leader among healthcare payer service providers
    18th Apr 2023, 16:27 PM

    TCS works with progressive healthcare companies, leveraging its Machine First approach to enable their digital transformation journeys

    Read More
  • TCS extends partnership with Canberra Times Marathon for another three years
    17th Apr 2023, 15:27 PM

    Since the start of the partnership in 2018, TCS has leveraged its expertise in technology to develop the official race app

    Read More
  • TCS to continue investing in research & innovation, office spaces, tech infra
    17th Apr 2023, 11:12 AM

    The company is also planning to continue aiming for higher utilisation

    Read More
  • TCS reports 15% rise in Q4 consolidated net profit
    12th Apr 2023, 17:56 PM

    Total consolidated income of the company increased by 17% at Rs 60,337 crore for Q4FY23

    Read More
  • TCS recognized as leader for Outsourced Digital Workplace Services
    6th Apr 2023, 17:13 PM

    The company has been named a leader in the Gartner Magic Quadrant for the second year in a row

    Read More
  • TCS selected by Bane NOR to strengthen identity, access management across digital landscape
    3rd Apr 2023, 12:48 PM

    A key lever of this transformation is TCS IdentiFence

    Read More
  • TCS positioned as leader in NelsonHall NEAT
    30th Mar 2023, 14:55 PM

    TCS was placed highly for its Ability to Deliver Immediate Benefit and Ability to Meet Future Client Requirements

    Read More
  • TCS named leader for software product engineering services
    28th Mar 2023, 17:19 PM

    The company has been named a leader in Everest Group’s PEAK Matrix

    Read More
  • TCS ranked number one for customer satisfaction in Europe
    27th Mar 2023, 16:17 PM

    This is the tenth consecutive year that TCS has received the top ranking in this survey

    Read More
  • Tata Consultancy Services partners with Envestnet
    15th Mar 2023, 12:46 PM

    This partnership will deliver a holistic data platform that aims to transform client experiences across banking, payments, lending and wealth products

    Read More
  • TCS launches 5G-enabled Cognitive Plant Operations Adviser
    14th Mar 2023, 11:20 AM

    TCS Cognitive Plant Operations Adviser is a composite AI solution for manufacturing and process plant operations

    Read More
  • TCS debuts on Forbes list of America’s best large employers
    13th Mar 2023, 12:41 PM

    This recognition is based on an independent survey of 45,000 employees working for American companies with more than 1,000 employees

    Read More
  • Tata Consultancy Services recognized as Top Employer in the UAE, Saudi Arabia, South Africa
    6th Mar 2023, 12:37 PM

    In addition, TCS was certified as a Global Top Employer, 2023

    Read More
  • TCS recognized as leader in Everest Group’s PEAK Matrix for procurement outsourcing
    27th Feb 2023, 16:17 PM

    The report recognizes TCS Cognix as a differentiator that accelerates the digital transformation agenda for TCS’ clients

    Read More
  • TCS positioned as leader in Everest Group’s PEAK Matrix for Open Finance IT Services
    25th Feb 2023, 10:38 AM

    The report said that the firm’s investments in partnerships with Azure, AWS and APIGEE enable it to cater to enterprise needs of cloud-hosted API/ microservices platforms

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.