{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$3.44 vs. cons $3.28",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total revenue",
      "prediction": "BEAT",
      "answer": "pred ~$3.94B vs. cons $3.862B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$816M vs. cons $802M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Fee revenue growth",
      "prediction": "BETTER",
      "answer": "guide ~10.0% vs. cons 9.0% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income growth",
      "prediction": "BETTER",
      "answer": "guide ~11.0% vs. cons 10.0% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted pretax margin",
      "prediction": "BETTER",
      "answer": "guide ~33.0% vs. cons 32.0% (2028)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 2.8,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 1.2,
  "day5_path": "FADE",
  "day5_rationale": "The initial broad-based beat and guidance increases support a ~2.8% day-1 residual, but higher revenue-linked expenses and AI reinvestment limit out-period EPS revisions, producing a fade to ~1.2% cumulative residual by day 5.",
  "day5_confidence": "MEDIUM"
}