{
  "report_rows": [
    {
      "kpi": "EPS (adjusted)",
      "prediction": "BEAT",
      "answer": "pred ~$4.58 vs. cons $4.51",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$3.82B vs. cons $3.77B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest margin (NIM)",
      "prediction": "BEAT",
      "answer": "pred ~2.99% vs. cons 2.96%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 NII growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~+14.5% vs. cons ~+14% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 total revenue growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~+11% vs. cons ~+11% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "H2 2026 NIM trajectory",
      "prediction": "BETTER",
      "answer": "guide >3.0% vs. cons ~2.99% (H2 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Q3 NII (sequential)",
      "prediction": "UNCHANGED",
      "answer": "guide ~+2% vs. cons ~+2% (Q3 2026)",
      "confidence": "LOW"
    },
    {
      "kpi": "Net charge-offs / credit (NDFI reassurance)",
      "prediction": "UNCHANGED",
      "answer": "guide NCO ~$225M vs. cons ~$230M (Q2 2026)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": -0.8,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -1.8,
  "day5_path": "FADE",
  "day5_rationale": "A clean beat plus reaffirmed (not meaningfully raised) FY guide is largely priced in with the stock up ~18% since the Q1 print and near record highs. Out-period math is a modest positive but not enough to trigger big upward EPS revisions; expansion-market/CRE growth is durable but incremental. With positioning extended and the sector technically stretched, the beat likely draws profit-taking/sell-the-news, so the initial muted-to-negative residual continues to bleed lower over the week rather than reverse.",
  "day5_confidence": "LOW"
}