{
  "report_rows": [
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$3.00 vs. cons $2.77",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total Revenue (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$24.5B vs. cons $23.72B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Markets Revenue (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$7.0B vs. cons $6.60B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "NII ex-Markets growth (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "guide 5-6% tracking toward high end vs. cons $64.45B",
      "confidence": "HIGH"
    },
    {
      "kpi": "Efficiency Ratio (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "guide around 60% vs. cons 59.6%",
      "confidence": "HIGH"
    },
    {
      "kpi": "ROTCE (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "guide 10-11% more confident tone vs. cons 11.1%",
      "confidence": "HIGH"
    },
    {
      "kpi": "US Card NCL Rate (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "guide 4.0-4.5% maintained vs. UNVERIFIED",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 3.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 1.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 modest estimate revision lift as street moves FY EPS from ~$11.08 to ~$11.30-11.50; partially offset by profit-taking after day-1 move",
  "day5_confidence": "LOW"
}