{
  "report_rows": [
    {
      "kpi": "Net Interest Income (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~$2.23B vs. cons $2.212B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net Charge-Off Ratio (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~30 bps vs. cons 32.2 bps",
      "confidence": "HIGH"
    },
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$1.00 vs. cons $0.983",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 NII (full year)",
      "prediction": "BETTER",
      "answer": "guide ~$8.75B-$8.85B vs. cons $8.743B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 NCO (full year)",
      "prediction": "BETTER",
      "answer": "guide ~30-37 bps vs. cons 34.2 bps",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Q3 2026 NII (next quarter)",
      "prediction": "UNCHANGED",
      "answer": "guide ~$2.25B-$2.30B vs. cons $2.276B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Buyback (qualitative, H2 2026)",
      "prediction": "BETTER",
      "answer": "announce Q3 buyback ~$200-300M vs. no current consensus",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 1.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.5,
  "day5_path": "STABILIZE",
  "day5_rationale": "STABILIZE \u2014 short covering + modest estimate revisions sustain the move; no aggressive fade given real FY NII raise",
  "day5_confidence": "MEDIUM"
}