{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.24 vs. cons $1.21",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Taxable-equivalent net interest income",
      "prediction": "BEAT",
      "answer": "pred ~$4.37B vs. cons $4.32B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Fee revenue",
      "prediction": "BEAT",
      "answer": "pred ~$3.13B vs. cons $3.09B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 total revenue growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~5.0% vs. cons 5.0% (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY2026 positive operating leverage",
      "prediction": "UNCHANGED",
      "answer": "guide ~250 bp vs. cons 250 bp (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "3Q26 Amazon small-business-card revenue contribution",
      "prediction": "UNCHANGED",
      "answer": "guide ~$80M vs. cons $80M (3Q2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "BTIG incremental quarterly fee revenue at scale",
      "prediction": "UNCHANGED",
      "answer": "guide ~$200M vs. cons $200M (2H2026)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 1.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.5,
  "day5_path": "FADE",
  "day5_rationale": "Day-1 ~+1.5% vs. beta-adjusted baseline 0.0%; 5-day ~+0.5% vs. day-1 +1.5% as a modest EPS/NII/fee beat is largely validated by unchanged ~5.0% FY2026 revenue-growth guidance versus 5.0% consensus, limiting out-period estimate revisions.",
  "day5_confidence": "MEDIUM"
}