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
 
Sure. And I'm going to turn it over to Randy to really speak to that. But I would note that I mean we have -- each of the games that are produced in digital are made for digital. And they're made for our -- for the ability of our RGS to send them to other sites. So they're using a lot of our existing game features and game play types in the field but they haven't -- I mean, we haven't really dipped into the depth of our catalog yet to bring along the sheer number of games that we could. But Randy do you want to speak to where you see digital going?

    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, if you count the cash received for wins that will be a positive free cash flow.

    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
 
So this quarter, we had combined $2.4 million of the old PP and new PP that includes the fees and interest. Last quarter, it would only have been the old PP, so that would be like $1.4 million or so.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yeah. You mentioned that European lending could go up to a third from 25% of that loan portfolio competition lower. But I guess, are there any sort of other risk in Europe? So for example, do you view financing risk is a little bit higher there? And I would think that maybe side by side, you'd rather put a dollar out in the U.S. versus Europe from a risk perspective, but maybe I'm just on that, just want to get your thoughts.

    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
 
The main thing is obviously how we're going to keep getting better with our core LTL business. Again, why we look at Expedited Freight as three business units collaborating very, very closely and tightly. Truckload is kind of [Indecipherable] where we recruit for one fleet between LTL and TL. We actually also route together so that there may be a LTL move out and the Truckload move back. Final Mile, there's a lot of co-sharing of locations with LTL. So, we do actually look at the margins for making sure that they all make their contribution by each one of those parts of that Expedited Freight segment, but they really are one business unit. Having said that I, did call out in March or April that in LTL, if we actually looked at it kind of separately and be allocated cost inside Expedited Freight properly, we have seen 14%, 15% margins or putting it in your language, Todd, we have seen 85 ORs. So, we know it's possible.
We also have seen in this quarter a double-double is possible. I expect our business to get better, not worse. So, if you're looking at a 10% margin as a company right now and close to 10% Expedited Freight, I expect that number to go north. I was pretty clear in stating that we are seeing double-double right now in months, in quarters like the second quarter right now. I expect to see that for the entire year, most likely next year already. And for that to happen, LTL clearly has lead the way toward an 85 OR.

    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
 
Oh yes. So, there are -- you know we're going to be left -- we're going to have a European business now which is beverage cans only. So as opposed to a very large $4 billion, $4.5 billion division, we're going to have a beverage can business and the product itself is more homogeneous. It's all one material. Sizes, while there are sizes, it's certainly not as diverse as food cans and manufacturing is a little bit more homogeneous than food can manufacturing, so it'll require a far less corporate overhead in Europe to manage the beverage business than it did to manage the division, what it was you know a multi-product division. So that is already in the numbers that Tom it providing.

    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 are constantly looking. We looked really hard at a couple this past quarter that I really liked. One that gave us some new capabilities in media. That one, they decided not to do anything. It looks like were going to have a partnership there, which is good, but I wouldnt mind owning them too.
Another one that was an extension of one of our verticals of business that was -- would have added more scale and a lot of synergies with one of our businesses. That one too, decided not to do anything. They took a little bit more private equity and theyre going to do some stuff on their own. Were continuing discussions, and well continue to talk to both of them.
And we will continue to look at -- there are always going to be, and youve seen us do a consolidation acquisition opportunities, which are accretive in performance marketing. We will continue to be active, and well also continue to have a very high bar, but we did not do any this past quarter. Any of any size. I cant remember if we did any real small ones or not. Sometimes well scrape up some little ones too, but I dont recall us doing any of those.
But we did -- we are looking -- we are seeing some. We didnt get it done last quarter, but you should expect us to continue to be actively looking and active when we find something as good as the M1 and Modernize type acquisition that weve made historically.

    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, Kyle, thank you for the question. I think a great opportunity to just talk about the position that we see ourselves in as it relates to patient data. Very few companies have access to the volume of data that Insulet will have with Omnipod 5. We had mentioned earlier on a previous call that we're putting SIM cards into our Omnipod 5 controllers. And then, of course, we will be offering full phone control, which means that we will have stream of real-time data coming off of a user that helps us understand how their continuous glucose is doing, helps us understand how they are interacting with the system. Helps us understand how much insulin is being delivered, when it's being suspended, when they are eating. And so that provides us with incredible potential to generate insights that can be valuable to our customers, to their clinicians and potentially to payers as well in population analytics. And so we see ourselves just really well positioned, because it's essentially a wearable technology that's providing real-time data that we believe can help us help people achieve better outcomes through a variety of mechanisms. So I think you'll hear us talk more about that as we get Omnipod 5 to market, how we see that and our role in that for our customers, including our consumers, our clinicians and our payers, but we do believe we're very well positioned to provide value here.

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

    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, great comments. I mentioned in the prepared remarks, if you look back at 2020, round about $200 million of that excess capital growth was a result of the non-PPP loan drop, which we expect to come back utilized. But even absent that, you're right, there's plenty of opportunities to be aggressive on the capital deployment side and share repurchase is definitely one of the options on that front. I will also just mention that would be a process to we would go through with the regulators for approval, just given the negative retained earnings, but we'll definitely see that potentially over the course of the 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
 
I'm sorry, I didn't hear the first part of your question, Ravi.

    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. As we mentioned like many, many times, we're not trying to just capture consulting services as our business, we're trying to get into the conversations with the clients much earlier in the game to make sure that we can actually drive the next step that tells the consulting kind of activities to do more practical implementations of the platforms. And I think, again, we are pretty happy with the progress, which we do in like quarter after quarter. And we're getting new use cases and we're getting higher in the kind of value chain and create in these examples.
But again, it's not about just chase the consulting market as a pure consultant creative.

    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 right. I mean so it is partially -- the market value of the equity position is partially already recognized in revenues, but there is a significant reserve for liquidity that is held against its future revenues at the current stock price. Of course, it will depend on both the stock price development and the reserve release, but that is now marked daily, including the reserve amount.

    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. The first question was on the $7 million to $12 million, the third quarter inflation impact. Did that include the impact of higher freight costs, or was that just on product itself?

    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. Thanks for the question. And I think as we look at 2022, we see clearly the start of a growth ramp, a long-term growth ramp developing. So I'm very excited about the opportunity for 2022.
One of the things we really like about our business model is the ability to leverage our core competencies in technology across multiple verticals and across multiple regions. And we see strength right now in Europe and North America, and we see strength in most verticals moving forward as well. So I think that suggests a strong growth rate in 2022. I think the wildcard to add to that growth rate will be what happens in China in 2022.

    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 guys, good morning. I'm wondering, if you can estimate for us perhaps how much the acceleration in all this enterprise digital transformation has enhanced your structural organic revenue growth profile relative to pre-pandemic levels, because it certainly sounds like this trend continues to have legs?

    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
 
It was in line with our expectation, Shaun. We saw strong performance from renewables, which we expected. Where we really overdelivered the expectations was in new and trade-up. New being guests that are lapsed, that did not have a pass or come on a lift ticket last year, but came into the pass program this year and trade up, which is people basically spending a portion or all of the discount into a higher price pass or more frequency.
But renewables were strong and right on our expectations.

    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 guys, good afternoon. This is actually Pooran jumping on for Ben.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
It's kind of interesting because it's causative factors, as more people use digital and automated and mobile banking, allows us to continue to downsize. So my view of all banking is that there's probably 50% too many branches in all of banking. We've been pretty good. I think we started with over 150 branches. We're down to -- on a combined basis, we're down to the 78, and we'll probably look at five to 10 per year as potential downsizing.

    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
 
Right. Right. That's correct.

    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 we do have some seasonality with payments. The 4th quarter is always a ramp up around the holidays and GivingTuesday and just different events like that is normal seasonality. For this quarter, Q3 right now, if there is some changes that are coming with events coming back, we're seeing some of that. Also institutions that were closed last year, the performing arts centers and museums, we've got a strong presence there with our Altru platform. We just announced some new payment capabilities with Altru with the payments terminal. We sent a press release out on that about a week or two ago. And those institutions are opening up.
And Altru is a comprehensive platform that runs performing arts centers including ticketing and ticket sales, which are starting to come back. So we're starting to see that market operating again and they're are pretty dormant a year ago in this quarter, in the 4th quarter last year. So some good stuff happening regarding those markets.

    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, Mike, this is Gene. I think that's going to hold. In fact, I think we might see ultimately a higher build-to-suit percentage. And I'd be careful looking at comparison of margins between build-to-suit and spec because the mix has an awful lot to do with it, how long the transaction has taken to negotiate has something to do with it. But I think in both cases, you can expect margins to creep up. We have costs increasing on us on the construction side, but we have return compression and rent growth that's ahead of our underwriting expectations and that overwhelms the cost increases. So I think generally going to see margins expand.

    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, Troy. 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
 
Thanks, Kevin.

    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 had talked about gross margin sequential improvement, I think you're meaning from the third to the fourth. As you look into next year, given some of the pricing, do you think that gross margin would improve even more as we get to the first half of the 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
 
Yes. I would say the primary goal is, of course, the EBITDA margin expansion that we feel very, very confident on, and we think it's more or less linear to the five-year period. Gross margins, we have talked about probably before, we see increasing through the year sequentially, right, also on the product side. So that probably is the largest driver over time, and there's going to be some cost leverage as well, right, specifically on SG&A.

    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 everyone. I had a question on maybe your Northern California strategy going into the fall/winter months. It seems like that, that softening starting in August was the delay in the return to office and something a lot of people pushing back to maybe January 1. Do you think we might see a turn higher as we get closer to the January 1? Kind of how are you guys thinking about 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
 
Anthony, hi. It's Joe Hartsig. A few things, yeah. You saw the growth in our destination categories, which was really great for us to seek, it has been a focus.
I think we've been pretty clear in our Investor Day that we didn't have a category of five years so we're well on our way and using data both internal and external to drive better decisions. We had -- we've done the bed, bad, kitchen reset and we're taking that capability across other categories now. We're coupling us up with a lot of the room resets that you're starting to see. So if you look at the introduction of Nestwell, our new own brand, that was part of that category line of work.
We've removed a lot of unproductive SKUs that were cluttering up our assortment at common price points that were helping the customer shop and we're bringing that to the newly remodeled stores both in Houston that John talked about. But across the banner and across the chain, where we're really working on a new reset program. So very excited about coupling all this together -- product and proposition using our new go-to-market integrated planning process that we call blueprint to deliver a unified centralized plan to our stores and our digital channels at the same time. So if you can see, to really see things are coming together from a common view, our customer diet proposition that Mark talked about that's launching today, is really emblematic of the kind of the new Bed Bath.
So very excited about the progress. More work to be done but very very, very happy about the new muscle that we're -- we're building.

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