michelcarroll/llama2-earnings-stock-prediction-fine-tune huggingface dataset:
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
No, we are -- there's nothing unusual in the trend there. There's no reversal of bonus accruals or anything like that. What you're seeing is really the leverage that we're generating in our business. And we are basically seeing our expenses grow at the same pace on the variable expenses with revenues and then we're getting some leverage on fixed costs.
And so we think that that demonstrates the traction in that business and one of the reasons why we feel optimistic about the trajectory of our ability to target getting that business to profitability in 2023 in the insurance company.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. Hey, Alethia. First of all, on the FDA clinical, what I can tell you is, they did not request an additional clinical trial. I think anytime you resubmit any new safety data or anything you add, you would put into there. But there was no -- the CRL focused -- the remediations are focused around manufacturing. Now as far as pozi, you're asking the question. We did license pozi from Hanmi. And I'll remind you, it's a small molecule, so it's a different manufacturing process. But that's actually manufactured at another South Korean company.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hi Jared.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure. Sure.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure, sure, Bill. There's -- I'll give you a direct and sort of indirect answer to this sort of two pieces. Directly, as you know, Fluent engages our consumers, and we do most of our identification and audience segmentation, targeting, leveraging our first-party data analytics on our own media properties. So for the most part, the challenges that Apple is providing for others is around people that do that targeting or audience building within those large media platforms.
So we take a much more wider net and bring the consumers in. And then we do the identification and segmentation and targeting on our media properties. So for the most part, the IDF privacy changes have had relatively little impact to us from a standpoint of building the audiences and identifying and allowing our tech platform to be successful. Indirectly though, there's a lot of changes going on and a lot of cost swings on those platforms as the big brand advertisers try to figure out how to measure and get their hands around this.
And obviously, based on what we talked about on the biddable platforms, we have to play into those swings a little bit more than you would traditionally see from a seasonality perspective. So indirectly, it has had some impact to us. But directly, there's really no impact and sort of plays to the strength of the Fluent's model in terms of how we build things within -- once they come to our media platforms rather than outside to other large media platforms. Generally speaking, Bill, eventually, Google is eliminating cookies and Apple is most likely releasing additional updates.
This is something we're going to have to be constantly working on with our advertisers and with our clients to make sure we're prepared for these changes.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
It's mostly focused on the lighting segment. If you look at the history of things that we've done on the commercial side, we sat down on the -- the graphics side was one of the first things we did because it was part of that whole reorganization where we consolidated the operations up in Akron-Canton and created much stronger continuity between our Houston operation and our Akron operation. And as part of that, we were able to look at the commercial side back then, let's say, 18 months ago, 12 months ago. So most of the reorganization that Pablo is leading right now is really associated with lighting, and I think it's the area we have the greatest opportunity in right now.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hi. This is Paul on for Michael. Thanks for taking our question. Just one from us on the CDK2 program. Can you provide your thoughts on how to potentially compare it with other CDK2 approaches in development, for instance like are included in triple inhibition of DDA 2.6 that are being explored. Just hoping to see your early read there on the landscape. Thanks.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey everyone, thank you for taking my questions. The first one is on working capital. Was wondering if you could comment on how you expect your working capital needs to trend in the coming quarters? So I think we see or saw that your DSOs and inventory days increased meaningfully in the quarter. So do you expect that to remain elevated in the coming quarters or do you think that peaks out in Q2 and improves as we go ahead.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I think the way to look at it is, yes, there are a lot of moving parts, whether it's cost, whether it is the impact of foreign currency on a reduction the way I think the best to answer you, we provided guidance at the beginning of the year that our gross margin for the year would approximately be around 15%. We still believe that with all the moving parts, we will still achieve the 50%. And I'd also like to add that one of the reasons we feel confident about meeting the true demand is that we are, I believe, in a better position than most of our competitors so we will not be the long-haul in the tent because of the cautions we took, we built a lot of inventory. We have committed capacity from our fab partners. And we are continuing to build additional capacity integration for growth next year. I think we are in much better shape than most other companies.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Sure. So in terms of the overall retention of our cohorts, it's actually pretty stable and continues to be very stable when you measured it across the quarter. Even though there were some variations within the quarter and we see very, very stable retention across all of our cohorts, as well as, growth on all of that cohort. So I think the predictability and sort of the convergence as we pointed out in the call is back.
So we expect to see pretty healthy sort of movement of the cohorts as we go into Q2 and beyond. And certainly, remain optimistic as the economy opens up, it could provide a positive sort of uplift as people go out and engage with fashion and engage with sort of the outdoor activities. Australia is early, shaping up well despite sort of having to launch the country in a very remote way from here and we haven't seen the team or the community in the early days. It's shaping up sort of in the normal healthy development of the buyers and sellers and the users.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, so I think Pat will give you a little color on that. He'll probably just sort of cut to the chase and get to the answer on that without too many moving parts.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Thanks, Steve. Yes, I think it's probably more applicable to phase three than phase two. We are using multiple pathologists reads in cases where we have close calls. I mean, sometimes, if someone's got clear NASH and ballooning and steatosis and inflammation and fibrosis.
I mean, there's no need for a second opinion there. But in the closed calls, it's very helpful, and we're doing that. And I think moving into phase three, we and everybody else would probably skew toward that multi reader approach because it just reduces the variability. And at least you have to get the consensus as well.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
No, we're not having a call. We're going to put it out in an 8-K, and then we will set aside time to -- obviously to answer as many of your questions as we can.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Hey, my congrats as well, especially on the gross margins. Maybe get some comment about where you see them going mid-term, any thoughts related to that? And then Jeff, love to hear your thoughts on growth of PD record quarter. That s stellar. I m curious where you think that goes. And lastly, maybe back to John, where s the bulk of your capex being spent right now?

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
For '21, yeah.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
No. That's a great question. So yes, Utah, we're in with one branch to start. We have four in Illinois.
So the four in Illinois which I noted, they already have $9 million of balances after six months, and the largest is $2.8 million, which is a mature branch after five years is $3.7 million. So our light footprint approach into new states is really doing well. So as we look into Utah, we'll certainly look to add some more branches. That will be the go-forward model in most of our new states.
But I will tell you, once we roll out our end-to-end digital originations product in the first quarter, which we'll start testing relatively soon, that does give us the opportunity for certain states, particularly where rates are lower and margins may not be as wide to be able to enter those states digitally and skim off the best customers in a very efficient way. We haven't done it yet, but the opportunity exists once we get our digital investments where we want to be.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
I'd like to thank everybody for joining us this morning. We appreciate your support. If you have further questions, please contact our Investor Relation team. Have a great day. And thank you for everything.

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Steve, you want to handle it.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah, Michael, I think naturally, the conversion improvement driven by the margin improvement that we're talking about is going to fall through. But I think where you're going to get the most torque and something we've spoken about before, is by leveraging that interest line, right? So if you think about the sort of $300 million-ish interest line that's currently in my free cash flow walk, pivoting into next year, I mean, we really turned into the self-funding model and you start leveraging that line. And I think it's through that, but if that represents sort of mid-single digits of our revenue today, as you grow thereafter, you're going to really see that sort of number getting leverage off of that. So as we said before, the plan was from 2020 IPO year to 2025, we thought we could take as a percentage of revenue, up from high single digits to sort of mid-teens.
And if you roll that into the EBITDA conversion ratio, thinking in that mid- 30s to high 40s. So we think that we're demonstrating that, and you're going to continue to see that. But the capital structure component of it, I think, is a unique opportunity for us where we're at in our path that's going to provide extra torque at that conversion ratio.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Great, thanks. Good morning Alex, can you just kind of follow-up a little bit just on sort of the philosophical way that the whole space attacking the market here. Obviously, the common refrain now is channel conflicts between dealers developing their own digital tools on the digital retail side. And then obviously, you have some competitors that are trying to get kind of penny-perfect pricing in to kind of replicate that showroom experience? I know you guys have kind of a wide array.
You spent a lot of time talking about the advertising and lead drive angle and increase conversion. So just maybe your thoughts on how you kind of walk the tight rope from here. And for the second part of my question, I think you made some pretty clear comments. And again, maybe I don't want to misread this, but it seemed like inorganic is certainly still part of the equation here.
Just curious what tools you think you're sort of missing at this point or the areas where you think based on the product suite you have would be the greatest adjacent areas of opportunity?

    Prediction (one of UP, DOWN, SAME): DOWN
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Okay. First of all, I'm not sure our clients build inventory or not, but basically you see all the clients of the major player right now in the wafer industry, as you can see, Longi, Tongwei, Jinko, I think, I believe I don't think they build inventory on the wafer segments. I believe they are selling. I think all either sell or they all -- even Shangji sell their all products or they integrate it to, I think, sale module to selling the module. So basically to me, as I just said, right now, this year, total polysilicon capacity only can support 150 or 160 maybe gigawatts, I think, final product. So may be making some efforts to import some polysilicon. I think that's there.
So maybe last year some inventory come out, this year they are adding products. So what I'd say is, today, I'm not -- even today, I think we don't think any inventory in polysilicon producer, like Daqo, Tongwei, I don't think any inventory -- but besides Tongwei, OK, I don't know because Tongwei is vertically integrated. So I don't think Tongwei or other company have inventory silicon right now is sitting there. Then also, I don't think that we wafer producers, even today like Jinko or Zhonghuan, they are -- a pipe -- their wafer in the inventory, I don't think so.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
So we're kind of looking at the data we have available to us right now, Nick, that may be one that we have to take off-line with Kayla and Curt. Frankly, I don't know if we have any insight to what you're saying. But again, down six in the 24/7 dine-ins are really positive. Really, -- and we broke this out in our results. It's in the investor deck on Slide 13. If you look at that, we broke out the ones that have 24-hour operations, I think the key is really pushing forward on that on 926 that are more limited right now as opposed to the weekend versus weekday, I think there's a large benefit to getting those restaurants open. And we have been working with our Denny's Franchisee Association board, and they are fully supportive of the movement toward 24/7 operations. And we have developed -- in the process of developing those flow charts that kind of that if-then kind of logic that says, if you're in a state that has this level of capacity, then we want you to move to 24 hours over this time frame. So that's really one of the key focuses as we move forward here.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. I think that's right. I'm glad you picked up on that because it was a bit of an odd quarter to decipher from the numbers you mentioned and what you're looking at. The period-end figures barely moved, but the averages were up. And really, that's because of this big influx right toward the end of the first quarter with the last federal stimulus program.
But I would say overall, yes, we do think the deposit balance will probably level off. One of the big questions is whether the -- all the PPP loans that converted to cash that are in customer accounts and the stimulus dollars, whether there'll be a rush of spending to withdraw some of that money. But basically, what we plan on and what we expect is that deposit base to be relatively stable from here.
We also expect the securities portfolio to be relatively stable for the rest of the year. We don't expect to take a lot of that extra cash and deposit and securities. We'll probably repurchase securities to replace runoff. Of course, we've been out of the market of securities for the last couple of weeks. When we purchase opportunities for plain vanilla mortgage-backed securities, we're at 1% even. Very unappealing. It's come up a bit since then. So it's a little bit better. But we try to stay out of the market when it gets to be that weak.
But overall, we're much more excited about the loan growth prospects as a way to soak up the excess cash and the excess deposits. That's the way we see the second half playing out.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
While we don't disclose the backlog number, I can tell you it's up 35% from where we were a year ago. That's a big number for us. And our shipments are really constrained at this point. We would love to ship more because we get the backlog, we get the bookings, but supply chain in a tight labor market just are the constraints that we're dealing with right now.

    Prediction (one of UP, DOWN, SAME): SAME