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, Frank, it's a good catch on the case mix index. The level of acuity this quarter, I think, is the highest in the company's history on that critical illness. And that does reflect, I think, the last year and the performance of our hospitals in the local markets and their ability to be good, strong referral partners with large acute care hospitals with significant ICU bed capacity. And we do hope to be able to continue that through the balance of this year and beyond.
But as you know, that's always dependent upon the level of occupancy and census at the acute care hospitals. But we see strong -- we see as a strong pipeline, and we have strong optimism relative to our acuity and our census. And to the latter question, I'll let Marty take that.

    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. I appreciate the question. Certainly valuations for higher quality software businesses are high, they've been hyper, while they remain high. It's -- I think, I said a couple of quarters ago, it feels like they may be stabilizing at a level. I think that still may be the case. But that level is very high. That said Roper buys businesses that are tried and true. The competitive forces in the market are observable, the market growth is observable, the forward growth outlook is diligenceable and understandable and the growth drivers can be clearly modeled.
When you get those businesses that are in small markets, that are leaders that have mid to high single-digit organic growth and our 30% to 40% plus EBITDA margin businesses. Those trade and that we call it circa 20 times, maybe 18 times maybe 22 times. But they're sort of in that zone, and that's why we think that we'll continue to play and focus.

    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, we did give the number that it is a $15 million delta. And the reason that it shows as 7 basis points on that is there is a numerator effect and the denominator effect, Vivek. So you have loans running off, which affects the denominator. So it really doubles the impact, you probably have about 3 basis points from the NII pick up and then you get 3 basis points to 4 basis points for having the loan balances run down and be forgiven.

    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, good morning, Andy. Let me give you a little a little bit of color. First of all, we are seeing the price realization come through as we expected. So we expected to start seeing that tick up in Q3 as we work through some of the backlog of earlier orders.
And we would expect we do expect that momentum to continue to accelerate into Q4 and into 2022. Now when I look at where we stood in the third quarter, if you look at price and material and freight costs as a basket, we're neutral. And as we move into Q4, we expect that will be modestly positive.

    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
 
Current guess [Indecipherable], yeah.

    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
 
Peter, do you want to --

    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
 
As I said earlier -- Neel, as I said earlier, I don't want to characterize some of the growth rates in the second quarter is meaningless but when we start seeing numbers like that they are somewhat meaningless because of what the COVID quarter was last year.

    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. So, it is an emerging issue, Scott. So -- because it's the cash window, it doesn't affects us. We obviously operate in a scale. And so all I think that it's going to affect more the smaller originators. It's not going to affect as much, or at all the big originators, who are operating at scale large cap sales and some of the other big names. In terms of opportunities, I need to think about that more. But I think that the effect is going to be on the smaller originators as a set, which should be a positive for our TPO business.
I think we haven't seen our business with small correspondent. And as you know, we -- historically Flagstar that was its bread and butter was the small correspondent. And frankly as many of you know we're able to get into the cash window and even coming to the book space that had an impact on that. So it remains to be seen where that goes, but it could be a benefit to those mortgage originators that have a strong third-party business.

    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. Doug, we haven't fully deployed all of our channels. We have a store strategy that's multiyear, and that's still rolling out. And we expect to complete it by the end of this year, but a substantial portion of our stores are not done. And so even the channels that we wanted to deploy are not fully rolled out. But we have a variety of tools to grow our market share. And we have -- and I would not preclude any of them that anybody else has ever used in history. But fundamentally, we haven't changed our pricing since we launched the product.
And we have that ability to be -- to move the needle in terms of the amount of mobile customers that we create as part of our broadband growth strategy. So I would say that we set up a strategy that was based on activity levels. Those activity levels are lower than we thought because churn is lower than we thought. But there's -- there are more ways to get into the market than we are using.

    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. I mean we talked about Australia a couple of times before, but it is a good example of what happens when somebody close down refineries. So we immediately see the net increase of, in particular MRs and LRs that suddenly are being kind of fixed in addition to what was done previously. And of course, we just had the closure of the Exxon Altona refinery.
And they've shut crude imports, I think, from end of July. That in itself I believe would be additional eight MRs per month that moved into Australia. And all of this of course is accretive to the ton-mile picture. When suddenly you start adding in the complexity of stocks, global stocks and how they have been kind of moving and drawn over the last time periods, pretty much since last year, you're going to see a lot of dislocations where you start seeing products moving in smaller units going into New York Harbor, which is one that I mentioned earlier on.
Stuff going into South America, the stuff that goes into Australia, suddenly it's not going to come from North Asia, it's not going to come from the Middle East or it could come from other places. We -- last year we were doing some of our fixtures from the U.S. Gulf into the Australian supply envelope. So the point is that as these things close, it's a pretty clear kind of logical thought process that they obviously still need the product and they need to find out where it's going to come from.
And so the question is, how do you get this oil to market and where does it come from. So [Inaudible] it is going to mean more ton mile, and that will obviously mean that the market will start increasing as that takes capacity.

    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
 
Okay. So there are multiple parts to that. Im not sure I got them all. So lets start with -- I would say from the phasing. Lets talk about the phasing. I think its still too early to tell. We cant give that kind of specificity for November. I would say one of the things that I did mention was utilization. I do think that builds throughout the year, but thats as much clarity as I would give to that. Whats the second part of the question?

    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 let's take Commercial and take them out very quickly, because I'd say they are performing very well. And no question that there is some pressures, but the team is doing a great job of leveraging 80/20, of rationalizing our products and solutions, and making sure that we're getting sufficient price. So I think you will continue to see solid performance out of Commercial Systems. Industrial, it is our biggest challenge. No question. Now, you also know it's our lowest gross margin business. And so when you have lower gross margins, that means you have higher material costs as a percentage of sales, and so, therefore, higher impact of inflation. You add that with the fact that you've got global supply chain disruptions at a time when we launch a new product in a new manufacturing location in Mexico, that still has a long supply chain right now. And those delays are being realized in tough margin performance. Now, we still see value creation for this segment. We still see a path to 8% to 11% as we discussed at our Investor Day, but it's certainly delayed. And so I would not expect any grand improvement in the fourth quarter, but we will continue to improve through 2022. And again, our goal is to get this business to 8% to 11%.
I'll make one last point about the Industrial business. I realized that Industrial's EBITDA is 5% of Regal and will be less than 4% of Regal Rexnord. So we talk about it, because it's a segment, but the reality is it has a small impact on the overall strong performance of Regal Rexnord.

    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, I think one framing is, we were at that run rate already in Q4. So this is kind of how we're seeing the year play out with a continuation of where we are. So, it's a very high level of support for our customers.
And then, can you just clarify the last part of your question about the take?

    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
 
That's presented now. Thank you.

    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, well, in terms of our capital allocation, we certainly view share repurchases as an important component of our capital allocation. Our priorities right now are on investing in advantage growth projects, things supporting battery materials for example, bringing on specialty carbon things where we believe we'll be creating value for shareholders and investing a $1 there is in the best interest of shareholders, number one. Number two, maintaining an industry-leading dividend, it's always been an important part of our capital allocation. We've had an uninterrupted dividend since 1968 and continuing to maintain a very competitive dividend is priority number two.
And then, and then share repurchases would be third on that hierarchy and will remain an important part of our capital allocation. I would expect, we would be back in the market to some degree in 2022, but that's the prioritization of the hierarchy and I wouldn't say it's, really changed. Anytime we have advantage growth investments where we're going do better than a dollar for the shareholder than that's where we want to put the money and then again the dividend being second and then share repurchase third. So that's how we think about it, Jeff.

    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, Humphrey. Its Steve, good morning. [Technical Issues] normal volatility in our non-COVID mortality, look, maybe average claim size is a little higher in the fourth quarter, but it bounces back and forth. So we are not seeing anything that we would consider a trend in that non-COVID kind of block of mortality. We'll continue to look at it, monitor it over time. It's something we think about. But I would say that it's not a meaningful driver of earnings in the fourth quarter, or has it been in previous quarters, other than just normal volatility that we would have in the block anyway.

    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
 
We have -- we are in discussions with a number of parties. We are not in a rush and we're not in a rush exactly specifically for these vessels because these vessels, I mean, compete with new buildings practically, don't compete with the older ships. I mean, today, if you go to the yard to build a new 5,500 TEU, that's pretty much what you're going to have. So we understand that the more we're staying toward their opening date, the better deal we're going to have.
So we are in discussions, but there is no hurry really to fix them.

    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 one thing, I think, to level set, if you look at first of all inflation, where it hit us the hardest, it has been outside of our M&CS business. It's been higher because of the types of commodities that we've purchased that we've seen greater inflations in these other two segments. Those contracts have those escalator clauses. They come at different different times and we are seeing favorable price coming through in M&CS.

    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
 
OK. Thank you, operator, and thank you, everyone, for joining us today. We look forward to communicating our progress in enhancing our communication with analysts and investors. We will be presenting at several investor conferences in the fourth quarter, and details can be found on the Investor Relations section of our website.
Thank you for joining us today.

    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. I'm thinking that 35-ish percent comes through digital. But I saw that number two hours ago and I just don't have it here handy, but a significant amount. Hang on, maybe I've got it here. I would say about 30-ish percent in round numbers, looks like not a bad number.

    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 would say we are down 25% as an organization and Women's is down notably more than that. So just really when you start looking at how you can drive that benefit -- and to take us back, we're in the midst of a transformation here. And so when we exited 10 brands that took a lot of inventory out of the ecosystem, the newness as we had talked about when we did our Investor Day, was supposed to start in fall. And that was really hard to chase back into given the supply chain disruptions.
So although I can't quantify it, I would definitely say it was a notable impact to their business, just given the fact that they were down so much more than the 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
 
Great question. Thank you. The first thing that happen after we announced about the Origin acquisition, I opened my email box and I received two emails from two important customers, complementing us for the acquisition and asking for a call. I know, it's an anecdote, but this is reflection of what's going out there. We are going to manufacturing, Origin is already being perceived as a leading next-generation DLP platform, focusing on manufacturing, they have installed base, they have machines out there, supporting manufacturing with an ecosystem of material. And the moment they joined forces with Stratasys and our infrastructure, our customers and also new logos, what we call, are perceived as a big opportunity to advance manufacturing. So this is the overall perspective. In terms of revenues, we are going to launch the platform at the second half of the year and we are very optimistic.

    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. Sure, I'll take that. The first thing is that IDFA, there's no tailwinds. I mean, one of the things we talk about a lot in our business is we don't need personally identifiable information to do what we do. Again, if someone is coming looking for diabetes information, we know pretty much what we need to know about them. If they're trying to figure out, I think, as Joey wrote in the letter, what color to paint their children's room, we know everything we need to know about them without knowing any of that. So none of the Apple changes have provided a headwind.
I think if there is a headwind, it is, as you said, it's a hard comp. I mean, at this time -- and it's primarily in the transactional commerce business. This time last year, people were not shopping in stores at all. It was all e-commerce. I think at this time last year, there was no -- there weren't any supply chain issues. Both of those things are fairly big headwinds. I feel good about the 20% long-term target. I think we had an exceptionally good time period last year. I think things are just, I guess, evening out a little bit. But I think in the long term, I think 20% is something that we're pretty comfortable with.

    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. Good afternoon, everyone. Welcome, Steve. I guess, Jamie, first just wanted to follow up on the buyer strategy. I'm just trying to figure out how we should think about that ultimately translating into Marketplace growth? And is there going to be, for example, an extended period of decay in those less active users before the Marketplace essentially normalizes and then you could show growth? And then secondly, I guess more housekeeping. In terms of what was behind the acceleration and the move to Managed Payment in Q2? It seems like maybe about a quarter or two ahead of plan there if I have the metrics right? Thank you.

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