{
  "report_rows": [
    {
      "kpi": "Operating EPS (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$5.10 vs. cons $4.84",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Medical Care Ratio (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~87.8% vs. cons 88.45%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "OptumHealth Operating Income (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$650M vs. cons $532M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Adj. EPS (FY2026)",
      "prediction": "BETTER",
      "answer": "guide >$18.75 vs. cons $18.51",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "MCR (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "guide 88.8% +/-50bps maintained vs. cons 88.49%",
      "confidence": "HIGH"
    },
    {
      "kpi": "Buyback / Capital (qualitative)",
      "prediction": "BETTER",
      "answer": "Confirm >=2B H1 complete; H2 continuation signaled",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": 4.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 6.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 H2 estimate revisions chase the implied FY lift; sell-side models lift Q3/Q4 on the guide raise",
  "day5_confidence": "MEDIUM"
}