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
 
Yeah. I mean, we did 25% to 30% incremental margins. I think that's a fair way to look at it, as you go throughout the year. I mean, certainly, we're starting to get some good traction here on our operational excellence initiatives, as we've seen some good things out of the gate. We've got a slight benefit here in Q2 in a few places associated with that. But that will continue on deeper into the full year. I think we're expecting to see some of the minor supply chain issues that we faced earlier this year. I mean, we talked a little bit about some very, I'll call it, immaterial impacts to free and expediting costs to kind of get around some of that and we'll see some pickup in the back half of the year as we get ahead of that. And just great overall absorption. I mean, particularly when you look at that Aerospace and Industrial group, last year in Q2, if you recall, we actually had to shut down a couple of Mexico facilities for a few months there. So when you look at that 800 basis points of expansion year-over-year, I mean, it's really just a strong ramp in revenues and what we're seeing and we expect good things out of that segment for the rest of the year. We just increased our guidance to reflect the strong industrial vehicle order outlook and there'll be a lot of good sales volume and absorption coming through there.

    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. Chris, the only thing that's in corporate/other would be shared services, so corporate office expenses. And then advertising flows through that line as well. So we can follow up in calls this afternoon and kind of work through the details there, but there's nothing out of the ordinary.

    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
 
An ideal target would probably be at least $1 billion, up to $2 billion, getting much above $2.5 billion. We could adjust our balance sheet by reducing securities if we wanted to, but if we get much above $2.5 billion, we're right at $10 billion. And while we're preparing to get there, I think, it's probably going to be the end of the year before portfolio ready to be able to go over that $10 billion mark.

    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. Good morning. Thanks, management, for taking my questions, and congratulations on a strong Q2 guidance. Given our cooperation with JD, may I ask about how we should think about the unit economics of JDDJ and the monetization potential for JDDJ across the different line like commission, marketing, delivery? And how we should think about the timing for JDDJ to turn into profitability into the future? And my last question is about the housekeeping questions.
May I also ask about the contribution from the lone supermarket in terms of the orders and the GMV during the quarter? Thank you.

    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
 
Jen, just keep on going 'cause I can hear the questions. I can hear you, but you're doing a great job, and you don't really need me.

    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. Okay, Kevin maybe I'll comment on the trade and Maria, maybe comment on between the lines. But one, yes, in North America in particular, I think the promotion levels have moved back to "typical levels". The percent -- as measured by percent promo sold on -- or percent sold on promotion was down 50% to 75% last year, as we all curtailed promotions because of demand. At this point, I'd say it's returned to historical levels both in Personal Care, which happened about the third quarter of last year and then in consumer tissue, this quarter or the third quarter of this year.
Yes, philosophically what I do think, retailers do believe brand switching occurs with brands and so promotions continue to be important in our categories. There is potentially some share shifting. Frankly, my emphasis would be on -- what I call the high road approach of growing brands, which is growing brands through great innovation and marketing and using trade and promotion as a fundamental element of that to support what we're doing from a marketing perspective. But I don't really value share from promotional loan.
And so in general, we're going to be focusing on being efficient with how we spend our promotions and being disciplined about it. Especially, Kevin, as you might imagine in this environment, we're certainly pricing and price realizations important given what's happening with the cost front.

    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. So I'll start with this. In the quarter, our cross-border business actually was under some pressure. The reality is we do a lot of southbound business with truck OEMs and other auto or auto-related type businesses. Those have all been under duress as it relates to some of the shortages that people are well aware of. And so you feed your northbound business, which is really where the money is made through southbound activity.
And so we're real proud of the first quarter results and the record earnings and some of the things we've talked about given that, that particular franchise was under what I believe to be kind of temporary duress. And so there's upside from here. We're excited about what that looks like. As it relates to the merger, another thing, I think it really speaks to the reality that Mexico-U.S. trade isn't going away. There's a certain component of that, that will naturally move rail. Intermodal will certainly play a role in that, and we do some of that business today ourselves.
But truck is going to still play its position. And so we're going to continue to invest in that business. We understand it well. We -- even with the volume pressures that we had in the quarter, the profitability and earnings of that segment continues to be at or above our network averages. So we like the business. We're going to continue to stay with it. And I think it's one place that has some unlocked potential right now as we look forward over the next several quarters if we can get some of these shortages behind us.

    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
 
Well, I would say we're always careful about calling trends with Epicel just because of the small numbers and variable nature of severe burns. But I do think we've pointed folks to look at in 2019, we had three quarters that were below $6 million and then the record quarter of $9.9 million in the third quarter. And that was in an uninterrupted year. When you look at 2020, where clearly there were access issues and things sort of ground to a halt in Q2.
Each of the quarters was above $6 million other than the second quarter. And so we do think that there's probably a stronger baseline there. But we, by no means, feel like we're done or we're capped out. Our goal, obviously, would be to continue growing Epicel on its own.
And we think with an expanded sales force ahead of a NexoBrid launch that we'll get further uptake for Epicel 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
 
I think your question -- there was a little disruption. The RFID pipeline growth I think is what your question was. So yeah, we continue to see good momentum overall within the RFID pipeline. I'd say -- I think, I commented on this last quarter as well, our focus is more on moving things through the mouth of the funnel, if you will, more migrating them further down in the funnel. So great progress on what we're seeing there, a lot of whether you're looking at food and quick service restaurants, number of pilots being initiated, a number of pilots being moving to local or regional rollouts. So there is quite a bit of activity going on there and we commented on logistics earlier as well. So that's generally what's happening.
I guess, beyond that, it is just the move into -- within some of the -- if you think about a number of retailers that are multi-category retailers having discussions about moving out of the apparel department and into other departments within those larger retailers as well. So number of activities going on. Broadly, I'd say it's the food and logistics areas where we would see greatest growth similar to what we identified in the Investor Day in March about where the opportunity was and where our focus was.

    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
 
Well, Scott, what you can look at is if you look at our proceeds levels, they're typically in that $500 million level. We're up to $600 million. So a 20% drop there in proceeds will give you kind of the equation there. But for $85 million, you're looking at a more severe drop, right? You're going to be looking at close to a 15% drop in proceeds.

    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. So, Mike, it's early days obviously further information regarding the expected cost of the separation will provided -- that will be provided in due course. But thinking about it from a path to separation, there will be one-time implementation cost, dis-synergies as we set up redundant systems and process, and most importantly synergies as we pursue the independent path for growth and expected the rationalizations that we expect from the two entities as we become a more pure-play independent B2B and B2C company. So it's a little too early to go through those details at this stage but we plan to provide that in due course.

    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
 
Brad, this is Asylbek. I'll give you a little bit color. But if you look at our cost of interest bearing deposit, it has actually decreased. If you look at our cost of deposit in the Q1 of last year, it was like ninety one basis points right now, we're at thirty eight. So we've been steadily decreasing that but you're absolutely right. We have a significant portion of public funds that we have some floors that -- with that kind of holding that interest expense on those a little bit longer. But I think the majority going to start repricing or the new contract is going to start kicking in the end of the second quarter, I think majority is going to be in the third and fourth quarter. So we're getting to the stretch that we're going to be -- we are getting a new contract with the public funds. But right now, that's what's holding up the interest rate on the -- our deposits.

    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 our day 1 reserve was 182 basis points. And on an apples-to-apples basis today, if you exclude PPP, let's call it a 230 level. So when you look at our process at the end of each quarter, we have a robust process that estimates the allowance based on the credit risk in the portfolio. And that's driven by the economic forecasts over the three-year reasonable and supportable horizon that we use.
So while we feel very positive about our credit performance to date through the pandemic, there are still segments of the economy and our loan book that have not returned to those pre-pandemic levels of health. So we do think full normalization will take time and will not occur over a period of just a few quarters. And I guess to answer the heart of your question, to get back to those adoption-level reserve rates, we would need to see a sustained strengthening and the credit characteristics of those borrowers that are most at risk for the longer-term negative impacts from the pandemic, in concert with improving economic forecasts. And most importantly, those forecasts need to improve above our current expectations.
So I think it will take some time.

    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 don't have a call option in the agreement, but at the same time, you certainly look to be a key partner with Greystone and certainly invest in that opportunity, invest more if that opportunity does come up in the future.

    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, Brad.

    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, thanks. Just a clarifying question to start here. I might have missed, but I was just curious did you give any sort of earnings contribution expectations for the PropX assets or just any sort of high level framework for how we should think about it affecting your sort of mid cycle EBITDA per fleet?

    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
 
Thank you, Elyse. It's Robin here. No, we're pleased with our capital position with $2.5 billion of cash and liquid assets at the holding company. As you saw in Q1, we returned $504 million back to shareholders, and we expect to be within our 50% to 60% payout ratio for the full year. In addition to that 50% to 60% payout ratio, as we announced, at the close of the Venerable deal, we'll have an additional $500 million share [Indecipherable] But as you know, expect us to be active every quarter in the market and we'd like to keep momentum in the market, and we're pleased with the returns we've seen at -- to date.

    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. The good news is, Dan, I think we will -- I think that -- we've got Jeremy Segal leading the M&A group and Jeremy is fantastic. I think the entire team is disciplined around what the requirements are and sort of what the financial criteria are for us to close on a deal. And so I think the company is aligned around it. And I think we'll be patient, we will find the right asset. And the team has done a great job, really building out the pipeline. And so our ability to source the number of companies we are tracking there's just been dramatic improvement in all of that over the past 12 months. So the bar is high, but I think we've certainly got the team to get over it.

    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
 
Richard, thinking about their products, first, they're a great partner of ours. They are, together with us with their hydrogen plant in Port Arthur, we're taking about 700,000 tons a year of industrial source CO2 off of that plant into our system and have been doing so for many years. So we have a great relationship. And I would say along the course of the last year, we have known that their product was working on this project. And that it was something that, at least at this point, they wanted to keep to themselves, as you mentioned. Any numbers that we provided, in terms of volumes that we've been considering to be in play, we actually carved those out, because of what we knew from our products. Having said all that, I firmly believe that in the long run, the network effect is a more reliable, more effective, just a more risk choice for any emitter to move their CO2 into when you compare it to segments of CO2 to a single destination. And we think ultimately, that carries a day. And working on that, and there could be possibilities along the way. As we see the air product project move forward and as we continue to develop our network.

    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, it definitely is. I would tell you it's for the installed base in as much as that's one of the elements you'd want to have before you lift and shift those servers into Azure. But clearly for us, it will also represent a very nice net new opportunity where there are many Azure service already, of course, that we can go now address directly all on the same platform. So I probably won't add much on timing other than it's gone really well.
And we said we'd be in beta in Q2 with broader availability later this year, so probably about all I want to say at the moment. But I think you have the basics of the opportunity and scale of it.

    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
 
Thank you, Marc.

    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
 
Yes. Yeah. No. You're picking up on exactly the right thing.
So from a comparison standpoint, we had a temporary pause in spending in 2020. So that is not -- that level of EBITDA is not something that we should expect to continue, and we've been investing very aggressively this year across both segments in terms of hiring. I think our headcount is up over 40% on a year-over-year basis. So the EBITDA margins that you see in enterprise today are more of a normalized level that you should anticipate to continue?

    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
 
Yes. No, we are excited about once we close the kinds of opportunities for us to work together with Atotech, with our laser drilling group to provide solutions to our customers faster. And I think theres a great amount of opportunity there to increase share for both the Atotech side and the MKS side. Weve talked about that in the past. And to your point, as features get smaller, it requires the ability to deliver advanced processes, and that requires investments in R&D. And as you know, Atotech invest more in R&D than any of their competitors. And its also part of the MKS DNA. We like industries that continually evolve, continually require more difficult challenges and require investments in R&D. And I think thats really a formula for success for MKS and also a formula for success for Atotech.

    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
 
Overall, in terms of the average for Schnitzer as a whole, it's less than the 40% that we're seeing at Columbus that we're getting there.

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