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, guys. Thanks for taking my questions. It looks like one of the biggest drivers of margin expansion, at least, this year and probably into next year a little bit is the reduction in sales and marketing expenses, primarily driven by this lack of boat shows. Are you thinking about '22 and are there any cost reductions you can think can repeat when boat shows do return? I know you gave some good information about that year-end event you held. So is that more in your plans 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
 
Yeah, I'll jump in there, Matt. And yeah that we have seen significant deposit flows and we do think some of this will stick around. We -- just gave us the opportunity to optimize on the deposit side, where we have significant run down going on in the term deposit side of things, and you're seeing DDA increase and it gives us an opportunity to interact with those customers more deeply. But we do think a good portion of these deposits will be sticky.
You've got like the balanced parking has held on longer than we thought. Stimulus will rise and we suspect that some of that will run down and as you think about cash balances in 2021, we do expect cash balances to come down gradually over the year, but that's not all due to deposits running off, it's really optimizing our deposits and deploying those deposits into loan growth throughout the year. So, a good portion of it will stick around.

    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, Mig. We've suspended guidance back in March of 2020, and this is really our first reintroduction of guidance coming out of COVID. We think it's prudent to provide overall Helios guidance at this time and not at the segment level per se. I think you can get a good feel for the numbers that we gave you for the first couple of months that we owned Balboa of what their capabilities are going forward. But we aren't going to provide individual guidance at the segment level at this time. We want to wait a little bit as we're continuing to come out of COVID. We feel really good about 2021 across a lot of our businesses and end-markets. But I don't know that we're prepared to tie ourselves down to something specific at this point from a growth perspective at the segment level or the end-market level.

    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 afternoon. I understand on the audits that there's maybe no standard time frame or average outcome. But in your research, could you just maybe give a sense for what the high and low end of the time lines might look like and the range of possible outcomes you've observed in similar audits in the past?

    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
 
That's the main reason why this is all being pushed 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
 
Yes. It's a really fair point, Matt, I mean, I think you're correct in stating that, in general, obviously, being in-patient for a longer period of time, there are more staffing concerns for cardiac surgery, and we'd be kidding ourselves if that wasn't the case. That being said, we've also got a new label that really shows the demonstrable benefit of doing this procedure. And so you counter that with the fact that we're adding a lot of net new sites. These sites are now getting their programs up and running. They want to build momentum. They want to build what that looks like. And so they're really dedicated to getting these patients in and to moving it. So I think it's going to have some impact, and we've obviously baked that into our revenue or our guidance for the remaining portion of this year. But it does not take away from any of my confidence long-term in our ability to really grow this business as we look at '22, '23 and 24. I'll go back to -- we will be growing at a faster pace than we've historically grown, and a lot of it's going to be driven by the strong growth that we expect coming off of the converged platform.

    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 Craig this is Dave. Thanks for your question. I think at this point, we feel like our collections are basically at the pre-COVID levels. It kind of becomes a tough exercise between 98, 99, 197 [Phonetic]. But our collections were as reflected in our collectability reserve were at the level we saw before the pandemic. Our AR balance has continued to go down. So, we didn't report a collection percent just because it becomes very difficult, that last little percentage level. But our collections were extremely strong, bringing our AR down and allowing our collectively reserve to be really back to the net 2019 levels.

    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 definitely have had numerous meetings with our teams IT-wise as well as finance. And I think they have a lot that they are looking at and figuring out where we need to be scheduled in. I think both of them is really not a matter of if but when.
And certainly, the meetings that John alluded to earlier with the Sagent folks, we'll certainly benefit one of those that are looking to try to measure out what the IT endeavors are and to get those on the table to discuss moving forward. So yes, we're very excited about it for sure, and as well as you know some of the status of other conversations. So looking forward to being able to report more here next 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
 
So I think about just our -- go ahead -- I was going to say, think about our model. We enter, we organize the doctors, we understand -- you need to understand where they are and we move from -- to increasing levels of risk across the market. So the Knox-Keene license would come into play as we move across that continuum. 

    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. That's -- I'll take that one first, and I'll let Mr. Thompson backfill. I think that if you take a look at 2020, Mohit, there was the ebb and flow of COVID across, right? There was the first wave in Q2. I think we -- that showed some very good numbers there in the face of Q2. We began to come back and COVID came back. As we've spoken before, COVID put the market in a bit of, I'd say, stasis, very hard for new entrants to make substantial gains.
You saw that with some of our competitors, easier for the entrenched competitor, Amgen, to leverage the inherent market advantage of the Onpro system in that market. So all in, we consider that we did a pretty good job maintaining share through 2020 in the face of that. We didn't have to endure quite the same price cuts that the innovator did to maintain share. Now going forward in 2021, it sort of depends on how fast things go with the vaccinations and so on. Most of the stuff we've seen is that things are looking better certainly now through Q1.
I would expect that to continue in Q2. So perhaps an uptick in Q2 and on through the end of the year. We expect the quarters to grow successively as we go on through 2021. But we think the market -- while I wouldn't say it's going to come to us, we think we'll do very well in this market in 2021 in terms of moving forward. I think we're poised and ready. Chris, do you have a comment?

    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
 
Hard to look at it on a quarterly basis. I've said on an annual basis, 1.5% usage of working capital as a percent of revenues is a good growth. Now it's going to, I think you got to look at multi-year averages. We have the weather-related business that can really move that working capital usage. We've got cut off times around heavy labor business and payroll timing. So you got to look at it at a multi-year annual basis and 1.5% usage on revenues. So if you've got a $3 billion business, we're in the order of $45 million-ish, $50 million of working capital usage, but over a longer measurement period than just quarterly.

    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 Brennan, first of all, thanks for the feedback. I mean, it's a big area of focus for us. The strategy has clearly been to develop out businesses that exhibit greater durability to the revenue stream. And there's no question that disclosure will follow in the context of providing all of you with greater insight into where we think or where we would define recurring and durability of earnings that are there. On the specific points you raised around consumer, I think as consumer grows, and so David was reflecting before, that business is now turning a corner to sort of resemble the ambition of a broader platform than it is a series of products. We'd like to find ourselves in a place where we will and can provide greater disclosure on consumer, just as an example. I would say, the same will be true as transaction banking becomes more durable. These are areas where as they become more material, and we expect that they will, disclosure will naturally follow. And then, I think your feedback is a good one, just in the context of providing a firmwide perspective through disclosure on durability.

    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, Danielle. So, I think as you -- if I look out like next quarter and quarter beyond, I think we'll continue to see the absolute dollar increase, our opex with revenue. As you think about next quarter, for example, we do typically see higher payroll taxes and fringe as the calendar year starts over. And we're going to continue to invest in R&D. And so, I think we should stay somewhere in that 15% of sales as our clinical trials begin to ramp like STEMI and P-4, and we continue to invest in the new products like Breethe, and BTR, and the Sheaths, and ECP.
So, I think as you go forward, you'll see our opex creep up. We'll continue to spend more, I would say, on physician education, CAMP PCI, and more on marketing programs. So, I think you'll see a bounce up a little bit over the next couple of quarters and that's all I could say at this point in time. We'll provide more color obviously at our next call with regard to margins for the next fiscal 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
 
You too Tom.

    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 don't think of it as necessarily being a drag on margins. I mean we are still operating at about 20% EBITDA margin, which is what we did this past quarter, and what we're looking at for, for Q4 as well. So I think what we're doing is largely leveling at that 20% kind of EBITDA level. As we drive revenue growth, we're creating incremental gross margin, of course. So the dollars de facto are going back into opex and the kinds of areas that I was talking about earlier. And then you mentioned seasonality, I'm sorry. No. we don't currently anticipate any particular notable aspect of seasonality for next 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
 
By the way, congrats on your first quarter as senior management team.

    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, Biraj. We'll take the next question from Bertrand Hodee at Kepler. Bertrand.

    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
 
I mean it's based on a full year. And I could say we set it really with obviously improved visibility and confidence in the cash flows. But we really want primarily to focus on retaining our cheapest form of capital, especially in light of all of that huge upside with the remerchandising opportunities that I've been talking about throughout this call and upside in our small shop occupancy. I think balance that with approach of setting a competitive dividend allows us to grow it comfortably in even a no-growth environment. And we really set it to a level where we're retaining as much cash as we can for accretive leasing and remerchandising opportunities to get those double-digit returns. So it will grow commensurate with earnings, and it really boils down to earnings growth and acquisitions.

    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, let me take that one, I'll start. I mean,like I can't really provide any good guidance on the ROE or the returns, but let me tell you kind of how I think about it in the way we look at this. Obviously the principal driver is going to be the returns from our underwriting book business and as we pointed out, we're very pleased with the capital we deployed in January and expectations that we look forward to, is that develops on the profitability that we've been talking about. And you will see the economics over time as it realized. And we're also benefited from the risk sharing that we have with our partner capital as well that we've been fairly successful at.
The other driver of our returns will come from our investment portfolio. The investment leverage is about nearly two times and we're pretty well-positioned in this environment. And the other thing we talk about and I put in my comments is the underlying, all this is our platform and we've consistently demonstrated strong operating leverage out there over time. So, kind of, in short, we've got a strong track record in deploying the capital, great client relationships and that's going to help us leverage the integrated system for what's ahead.

    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, Jordan, cold as a perspective, in Kansas this morning, it was 9 degrees. So anyway, there is a cold streak in Texas. We're certainly focused in that area, first, to protect our people and provide service to our customers. We're participating in that.
I think we've had a pretty long-term strategy and sustainability about the way we purchase power. Obviously, you've seen the commitment to renewable energy, which we've been a leader in but we also -- with that come contract pricing.
So our power is -- pricing is stable because of our long-term contracts in the power purchasing arrangement that really drives our renewable commitment. So, everything has been moving forward and we're keeping our people safe and keeping our customers engaged and get through this together.

    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. The one thing to add to that is, you know, there will be a small effect on professional services, as well as we bake back in rebuild expenses, which is a kind of a zero-margin line item, but that will be a small impact 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
 
We have no ongoing involvement with the project. Units have been sold.

    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
 
Is the follow-up on Segment? Do you want to ask that question now 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 actually don't have any progress payments. It's just a timing issue. It is an actual -- it's an improvement over where we were in Q1 of last year and we do expect that we should get another day or two improvement over the course of the 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
 
I think, I just answered the question, Peter. Let's move on to the next question.

    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 just want you to understand, obviously, that reflects a little bit slowdown in our expected overall activity at sites that does slows things overall a bit, but it is disproportionately pass-throughs, but it also slows service revenue to an extent.

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