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
 
Well, Lorraine, I think were obviously very pleased with our revenue growth and our earnings-per-share growth, operating margin growth, etc. So I dont think we have an absolute desperate need to see the operating margin expand beyond this new 16% guidance. And truthfully, if we saw significant revenue upside again over the next few quarters, I dont know that we would 100% flow it all through. We might spend more on overall marketing and brand building and other initiatives for the company. I think that what we want to do is to continue to build for 2023, 2024, which Ive said to you at our Investor Day, were going to do over $7 billion with this company, and theres more to come even beyond that. When you look at -- Versace is going to do over $1 billion this year. And when we look at our projections, things are looking really good for that luxury house.
Things are picking up at Jimmy Choo. So in our business, you need to invest to continue to grow your business. And I think thats the smart thing for us to do. And hopefully, if we continue to see the type of sell-throughs that weve seen across the group, hopefully, youll see some of that also flow to the bottom line. But I dont think thats our absolute priority right now. Our absolute priority is to continue to make sure that all three of these luxury houses are building stronger and stronger bases so that as we look out into the future, well be looking at a much bigger number than $7 billion in terms of revenue. And as weve said, long-term operating margins that will hopefully have something with the [2 plus] in front of it. Thank you, Lorraine.

    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 can start. Maybe John can pick up. So, I think as we think about competition, right, you got to remember, we got our four services. And it's not equal across those services, right. First of all, across all our services, in our fastest lead time category, we are absolutely the winners, right. We are the fastest manufacturers in the world. And across all our categories, we can make parts in as little as one day. I think that's a very well protected space for us. And we really don't run into much competition in injection molding and sheet metal. Where, like Hubs, what we are seeing others in the longer lead times is in CNC and to a lesser extent 3D Printing right now.

    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
 
Right now, again, it is through AIU. And obviously, as we learn from that and then the idea would be to also then offer them at CTU as well. There's nothing preventing us from doing them on a stand-alone basis as well. But right now, they're offered through AIU.

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

    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
 
Great question. We are -- we obviously periodically access the financing markets in various different formats. And during the pandemic actually raised the number of delayed draw credit facilities that were designed to be delayed -- to be drawn and used over time as a way to mitigate risk, had things look different than they did ultimately during that period. So we will again continue to avail ourselves of the securitization market. But haven't made any public statements at the moment as to when the next transaction will occur. But we certainly do have a number of obviously funds deploying and a number of refinancing opportunities that are starting to develop this year. And obviously, for assets originated recently, there is no delineation between a legacy in the legacy sovereign asset.

    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 mean, yes, I would say we certainly have a lot of conviction on the geography. At the same time, yes, I think we also have a lot of resorts in the geography. So I think we're always looking at which resort would be additive versus just looking at where we see the incremental opportunity. And it doesn't mean that you should buy more resorts in exactly the same geography.
So in our minds, right, it's important to be selective. And so yes, there's no doubt that we have a lot of conviction about the Northeast and the mid-Atlantic, for that matter. And we feel like they've added to our efforts greatly. And at the same time, yes, we've got to pick the right opportunity.

    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 guess just building upon that and trying to get a sense of not maybe what's normal, but just kind of what is happening in your business as we think about kind of the external metrics all moderating here in April? And if you could kind of update us on how you're tracking within this kind of backdrop.

    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, Mike, the business tempo in Industrial obviously did get better in Q4 but we hope it continues here as we get into the first half of the year. Profitability was way up as you saw in Q4. Some of that was due to just the fact that we had some lower spending as a result of COVID. I would expect that as our teams get back out on the road and we start reengaging with customers and move it around that we'll be spending more and also the incentives for that particular segment, they haven't been great this year with business being down. So there's going to be a normal uptick in spending. Hopefully, the volume tracks with that. It should and that we're able to put up decent operating margin performance here in '21.

    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
 
Just hoping to ask another question on the Enlivant JV on the sales process. When do you expect that to start? And how should we think about the OpCo issue here in terms of is it a lack of profitability because of the collapse of cash flows because of the coronavirus? Or was there a feasibility issue kind of before all this happened just because it didn't expand maybe as an OpCo as was previously anticipated?

    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. We're a little, I would say, concerned with the Delta variant right now and the impact it could have on our customers and patients. Again, we are forecasting an increase in utilization and treatment session volumes going forward. Again, it's just -- we're still in that environment of somewhat unknown.
But yes, I mean, we are forecasting a continued momentum in Q3 and Q4. Obviously, if you look at our year-to-date performance compared to 2019, it's strong from a treatment session perspective. And so again, it's a very backend loaded plan for the year, but we did reaffirm guidance, and we are pushing toward getting to where we said we would.

    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
 
No problem. No, no problem.

    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
 
Gary, there are a few more pieces of the restructuring that will have -- at this point, have finished in the second quarter. So we'll still have some incremental savings throughout the rest of the year. And on the investment front, I'll let Karl speak to the specific investments, but there will be additional investments because we're reinvesting some of that savings through the balance 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
 
Sure. I don't know the specific numbers, but what I will tell you is PD is consistently growing in the mid- to high single-digit single numbers. And then we are still seeing double-digit growth on the home hemo. And again, we had 14.8% of our treatments done at home in the quarter. But we are seeing PD fairly consistently of quarter-to-quarter. And then the HHD has grown faster. In some quarters it's slow sometimes. But in this case, I think we're pretty comfortable with what we're seeing.

    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 everybody and have a nice day. Thank you.

    Prediction (one of UP, DOWN, SAME): UP
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
And I will say this, we are still -- really important. We're still not -- we used to have big, big overage rent numbers from our outlet portfolio because of the foreign tourism. We're still not seeing that. Obviously, tourism dropped during the last couple of years, pre-pandemic, strong dollar relationships with countries, et cetera.
I won't go through all that stuff. Then we had the pandemic and the restriction. So one of the unique things that I think and I hope -- not knowing Delta or anything else, how it's all going to play out, but at some point in the not-too-distant future, we're going to see really good growth in our high-quality tourism centers that should manifest itself in additional percentage rent. We have yet to see that for primarily our outlet but also our Vegas properties as well.
We're like a forum shops.

    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'll add to Bhavan and Terry's comments. Mitesh, it's really been a pleasure to work with you, and you're going to be sorely missed on these calls. But you are kind of dropping the mic here with the quarter, the guide and then the Mitel partnership. But I want to start on another topic.
We're just going to get this question tomorrow, and I guess it's more on 2022. I know you guys aren't officially guiding to anything, but we're going to have a new CFO coming in. So is there anything that you've got to share qualitatively about expectations for 2022?

    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
 
No, not really, Brady [Phonetic]. The balance sheet remained moderately asset sensitive. We had it at the top of the house. And so, it really isn't going to have a material impact on the interest rate risk position.

    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
 
Okay. Thank you for the question. We have seen this progression of events on the repricing of the time deposits and forward-looking, we still have approximately another $500 million probably upcoming in the next three months that will come to reprice and more in the future. And speaking about the short-term, we are probably going to have an additional drop of about 33 basis points in the cost of the time deposits.
That will probably translate into 5 basis points to 7 basis points extra reduction in the cost of funds. So, based on that, we expect our NIM to be within the range of the 2.65% to 2.75% going forward. So, yeah, we definitely see an improvement coming from the cost of funds.

    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, most of it by far is the fact that we've got the air cover from a product inflation standpoint covering the product costs. The only real increases we've had are some related to fuel, the incentives that you might find out in the field from a sales comp bonus standpoint just associated with the performance, some slight inflationary pressures and some of the operating costs. But if you really strip that out, we really are deleveraging actually pretty minimal on an operating basis, which I think speaks to the discipline we're continuing to maintain.
Obviously through COVID, we took some pretty proactive measures, put in place some real discipline on how we're managing the business from an operating basis and we're keeping with that as we go through this. So -- and we'll continue to do that into the second quarter or in the rest of this year, but most of what we're seeing in the ballpark of 270 basis points has really benefited from that product inflation covering our operating expenses.

    Prediction (one of UP, DOWN, SAME): SAME
You are a financial analyst, determining what effect an earnings call will have on the company's stock price, based on a summary of one. Be as critical and skeptical as possible, and remember that the market may disproportionally react to small unexpected details. Respond with one of: UP, DOWN, SAME
 
Yes. So I mean, first, we are excited about adding Diego to the team. I mean he's had a senior leadership job at Prisma Mexico. He was one of the top guy at Prisma, and then he was the Chief Executive Officer of a real-time payments company in Argentina that was owned by the local banks. And he also worked at Mastercard. He's moving to Puerto Rico, and he's -- of course, he's fluent in Spanish. So we think he'll be a great addition to the team. Phil is actually going to work and help me and the team on strategy and also customer excellence to make sure that we're measuring customer excellence well, making sure that we're measuring the velocity of our product adoption and then helping us continue to map out our plans for further growth. When you're asking about M&A, I mean, it continues to be something we're very focused on. The deals have not -- the type of deals we see have not dramatically changed. And what we've seen since I've been here, it's -- the valuations have probably gone up a little bit and people's expectations just given where in the world it is and where sort of the technology space is, but it still is important to us. And it's a significant reason, the assets that we've purchased, like PlacetoPay, is one of the reasons we're winning business. And then PayGroup is the sole reason we won Santander Chile and Mercado Libre as well. So we've been pleased with those.

    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, I would just say that weather is -- it did impact February pretty rough for us, one of the worst I think we've seen in a number of years. But as -- we had a decent March come bouncing back from that. I think it's hard to sort of sort through whether not that had overall significant impact on us for the quarter from a profit standpoint. I think the bigger thing to think about in the first quarter is probably the property gains that we had in terms of trying to normalize a sequential OR comparison.

    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 yes, this is -- Yes. Thanks for the question. So, this is actually both, Betsy. You've got increasing number of dealers at the high end particularly who are going digital and making the sales -- appreciating that the sales experience is becoming more remote and lenders need to step up and be able to have some sort of plug-in into the dealers' digital experience without making it too clunky. So, I think we need to invest or we are in the process of investing in that and making that interface between us and the dealer as seamless and as smooth as possible. And on the direct to consumer front, we obviously -- there are obviously structural resistance as to being able to fully consummate and fulfill a loan directly with a consumer. So we need to bring in the dealers into that as well, but there is a strong belief in our company that we should have a faster smoother better way of attracting customers who want to get -- who have a relationship with us, who want to get an auto loan with us, and for us to be able to fulfill that need and yet maintain our dealer loyalty and be able to have the deal completely consummated at a dealer of choice. So it's a bit of both, but it's essentially moving with the way the rest of the market is moving, which is toward a more remote digital experience.

    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
 
Bill, do you want to cover 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
 
Thank you. For those California asset sales, will those be outright sales or could some of those be in JVs?

    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 see it in our sights, but I have to be, let's say, pragmatic and reasonable about the timeframe. The emissions regulations in North America are different than the emissions regulations in Europe and so some work is required. The vehicles are different. You know, there's a fair number of differences, it's not just to roll the product off the ship and start selling.
Having said that, you know, we don't frequently get the chance to talk about our development contracts in advance of actual production start. And so I'm going to leave the announcements to our customers and so I can't give you any forward-looking on when we might expect those announcements. Sorry for that.

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