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
 
Good Morning PJ, where are 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. So a great question. Historically, we've said, from a leverage perspective, four times on a gross basis, three times on a net basis. That's kind of where we're sitting now, but obviously, still have the $100 million of cash on the balance sheet, and then the strong free cash flow generation nature of the business. You add INTEGRA on to that, and it just further strengthens the cash flow generation of the business. So I think from a debt perspective, pretty happy with where we are right now. We think we have really optimized the balance sheet a little bit and the success that we had in terms of the refinance was good, just given the ability to bring some of the interest costs down and diversify our investor base on the debt side and improve the terms of the facility as well. And so I think from a leverage perspective, we're pretty happy with where we are. I would look at cash generation and other avenues to use for allocation going forward.

    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 are certainly not underwriting deflation. So I think the comment I made was net of price increases, so we're assuming lapping pricing increases by the end of fiscal -- the second fiscal quarter and that the rate of inflation will not dramatically accelerate. So that there is not a further lag effect on taking pricing. But we're certainly not baking in this inflation. [Speech Overlap] Where we do expect to see some cost improvement is on supply chain execution as we get better health in our labor situation, which is improving. So the controllable aspects of supply chain are improving, the non-controllable aspects of various forms of input, transportation inflation we are not, assuming will moderate, but that our pricing activities will lap the lag effect.

    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, we're gonna do it opportunistically. So we will do it. Ideally, we'll put together like we always have some auto pilot program and then on top of that some discretionary piece. And the discretionary piece will be the variable, obviously.
That's what we've done in the past. That's what we'll continue to do so some more flexibility there obviously and we'll take advantage of that.

    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 agree, Gregg.

    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
 
Hey, good afternoon. It's Bobby Friedner on for Peter. I wonder if you could discuss what you're seeing and how you're thinking about price inflation of pet food in 2021? And how should we think about retail pricing across the entire portfolio of products in an inflationary environment?

    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. We gave that out in November and we talked about it at the end of the year, and we're not going to be updating guidance at this point in time. What I can tell you is we liked the direction that we talked about in November of having 6% to 8% EPS growth over that five-year time period. And there's nothing that we see today, including the trajectory through 2022, that tells us that we're not going to be able to meet that.

    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 for taking my question. I guess one on maybe Badoo and Bumble. Badoo, I guess, had some -- payers weren't as engaged as kind of they were due to COVID pressures, macro pressures.
How has engagement panned out for users? I guess in other words, kind of how is payers to MAUs looking like? Are people still engaged but just reluctant to pay? Or has overall engagement even for free users decreased? And then the second question, I guess, just to step back. We're hearing more kind of conversation around the metaverse. How is Bumble positioned to kind of compete as metaverse kind of products and solutions start emerging? Thanks.

    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. It's roughly 50%, a little bit more that we'd be able to retain. But I -- again, I don't think it would be appropriate for you to think that, that situation is likely to happen. But we were not going to get into discussing transactions in progress.

    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
 
Good morning everyone. Thanks for taking my questions. Oh, and I'd also like to congratulate Wayne, and thanks for putting up for -- with all of us for so many years. So thanks.
My first question is, again, on shareholder returns. Chevron's prior $19 billion to $22 billion medium-term capex range. I believe that was based on 60 Brent, and it left room for about $5 billion a year of buybacks. So can you talk about how your updated 2022 to 2025 capex guidance, if we should think that, that range still also leaves room for ratable annual buybacks?

    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
 
Both categories are benefiting from strong innovation. There's clearly a benefit within the Grooming segment related to more jobs done at home, which is benefit in the appliance side of the business. But overall, the innovation profile in that category and the Oral Care category are what are driving our top line results. I mentioned the introduction of Oral-B iO and the 20% growth in power brush, that's -- we witnessed year-to-date as a result of that introduction, which continues to be very strong. On the Grooming side of the business, whether it's our offerings for sensitive skin, whether it's our new beard care line under the King C. Gillette name, all of those are enabling us to step up, step forward, better serve consumers with all of their needs in that category, and that's reflected in the top-line results that you see.

    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. In fact, we estimate that, that accounted for about 120 basis points of gross margin pressure in wholesale. And I think overall, we were down 90, so that was the story there. And yes, that's essentially -- I mean there's a couple of dribs and drabs, but it's -- that's essentially behind us.

    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, about a year ago let's say in the fourth quarter 2019, we put Eamonn in-charge of Global Sales and his mandate was really to help us collaborate more effectively, and more than collaborate integrate, right, so that, if you go see a customer and a customer is a bank or an insurance company or a hedge fund manager, we're bring in together different parts of the organization and offering that comprehensive solution. And the more we can do of that, the more strategic we become for them, the more likely it is to buy bigger, right. So just remember that we, as Bill pointed out, we bought DST as an Intralinks in 2018 and we're trying to sell things that work together, right. So it takes some time to integrate them. It takes some time to get the user interfaces and the functionality that they want. And we feel like we're in a good place with that product offering. We're putting the right focus behind the sales and marketing of that was the right. So I think we're formalizing things we've done all along, but we're off to a good start.

    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. Well, specifically, with respect to 90/10, Capella University, first of all, would have no issue. They're in the low 70s today. They have a much smaller percentage of their total enrollment as either being active duty military or veterans. Strayer percentage is historically and currently higher, and so they would be in the mid-to-high 80s, but we're confident in our ability to manage that, particularly with respect to growing employer-affiliated enrollments, which has always been one of our priorities and continues to be a priority for us this year.

    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, it was about $170 million.

    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 very much, Neha.

    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
 
Morning. I wanted to dig a little more into the organic growth trends in the Wealth Management business. Obviously, recognizing that disclosure is not sort of consistent and the same firm by firm in the space, but curious how you guys are seeing the organic growth evolve. Maybe you could help us put some numbers around it. I know you really focus on the kind of recruited revenues, which is probably, frankly, a better indication of organic growth than net new assets. But what is kind of the organic net new revenue growth in that business over the last, call it, 12 months? How do you see that has trended? And given the sort of changes you're seeing in the business and your evolution there, how do you expect this to evolve over the next few years?

    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. So we had this positive gain there, but we also had especially in Colombia, some negative, call it, one time hit. So we had a life extension project there that was about $0.05 to $0.06 negative. So when you look at both businesses, they are -- they pretty much net each other out. So I wouldn't expect any drag from the hydro businesses in 2021.

    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
 
Thanks team. Two quick ones. Just one on -- the first one on raw maths. Given the 90 basis points. You talked a little bit about, it takes some time six to 12 months for the Tier 2s to pass it through things like steel and belt and fasteners. Would it make sense to think about even if raw material stayed where they are flat right now, we probably have some raw material pressure into next year just given the annualization and maybe it takes them one or two price increases to send it through. We should think about this pressure probably continuing into next year?

    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 we have -- it will remain, of course, that the commercial and operational technical service for GasLog Partners will remain with GasLog Limited. But I think what's interesting, of course, is that, you look at the fleet of vessels which GasLog Partners have, as we look at those infrastructure-type projects, that's a very interesting -- the assets which GasLog Partners have, it makes it a very interesting place. So, I think we could -- we continue to see us working on projects using those GasLog Partners assets. And an example, a couple of steamships we've got now are really not operating in the LNG carrier market as such, but operating in LNG carriers and operating as motherships and offloading and things like that. Those type of projects are really well suited to the GasLog ships -- GasLog Partners ships, and those will continue to be a big focus for us as we look to maximize the returns. So, no big changes there, Mike.

    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, in the healthy volunteers, I was also, yeah, periodic, I don't remember there is every single day. But that was periodic, 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
 
Good morning, Gautam.

    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
 
So some of it, Tyler, well, a portion of it is the large-scale ER that didn't happen in the first half that, again, similar to some of our event business comes through at a really high incremental margin on the waste solutions side. So that is a piece of it as well as just some of the mix and some of what we're seeing and some of the cost and inflationary challenges that we're expecting in that piece of the business that Jeff touched on a bit in terms of drivers and labor and some of those things. And if you look at the guidance -- the revised guidance versus the previous, it's about 100 basis points of margin that went down in this version of the guidance versus the previous.

    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, good morning. This is Joe Rokous on for Karl. You made good progress so far in 2021 toward your balance sheet targets. Just wondering if you would consider going significantly below that two turns target if the goal on the revolver balance is to actually bring that to 0?

    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.

    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 one of the challenges with FLNG that we've talked about is the time it takes from the FID, the final investment decision, to actually generate in cash. And so what we've been doing with the downstream business is looking at ways to supplement that. And with FLNG, what we're trying to do is -- so let me fast forward where we have several of these projects on tolling agreements with super majors on 20- or 25-year contracts, generating hundreds of millions of dollars of EBITDA. That's a very, very attractive investment proposition for infrastructure funds and not on other people see. It's very steady cost terms that are generally completely ambivalent to commodity prices because they are linked on tolling.
In order to get there, we're going to be happy to go through that cycle. So what we're looking at is how we can supplement that with some of, if you like, our own business rather than tolling business, where we can participate more directly and more quickly. So if you take a long-term view, then I would see this company as having a tolling business and supplementing that with an integrated business. And we've got to take the opportunities as they come. And I don't know which one goes faster or longer. But essentially, that's the right way the FLNG business is unfolding.

    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 what I'll just say there is there was a period of infringement prior to signing the agreement. So that was the result of covering some of that prior infringement.

    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, here, this was encouraging because it was actually up from last quarter and it was 4.04%. So, it was up about 8 basis points from the fourth quarter -- I mean from third quarter.

    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 we're looking at double-digit yield assumption in the second quarter guide compared to volume...

    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. Thank you, Andrew. I will take the first one, and then maybe David can take the second one. So we did see positive inflows in the third month of the quarter, so in June. So April, May was really -- were two months where we had outflows and where we also proactively addressed some of the client situations that I was alluding to also in APAC. But actually, June was positive inflows in all three divisions. And so the momentum into the end of the quarter was very positive.
So look, this is something we had to do. We wanted to work through. We clearly also had some side effects from our more cautious approach to lending volumes. We had clear targets for each of the divisions, including Asia, including SUB and including IWM in terms of RWA and leverage for the end of the second quarter because we were determined to achieve our targets that we have set ourselves. And that is obviously one of the side effects that some of the NNA or AUMs that were linked to lending volumes also came down.
But as I said, the momentum into the end of the quarter was positive. And if you look at the first half as a whole, we are at around CHF7 billion now for Wealth Management and CHF24 billion if you include the institutional Asset Management business. So absolutely decent NNA flow for year-to-date.

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