{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$1.78 vs. cons $1.71",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total revenue",
      "prediction": "BEAT",
      "answer": "pred ~$22.04B vs. cons $21.77B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$12.43B vs. cons $12.36B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 net interest income outlook",
      "prediction": "UNCHANGED",
      "answer": "guide ~$50.0B vs. cons $50.0B (FY26)",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY26 noninterest-expense outlook",
      "prediction": "UNCHANGED",
      "answer": "guide ~$55.7B vs. cons $55.7B (FY26)",
      "confidence": "HIGH"
    },
    {
      "kpi": "CET1 operating target",
      "prediction": "UNCHANGED",
      "answer": "guide ~10.0%-10.5% vs. cons 10.3% (FY26)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 3.1,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.0,
  "day5_path": "STABILIZE",
  "day5_rationale": "A ~$1.78 EPS result versus $1.71 consensus and ~$22.04B revenue versus $21.77B should produce a favorable initial reaction, but retaining FY26 NII at ~$50.0B versus Street ~$50.0B leaves little incremental out-period earnings revision. The stock should retain part of the gain as expense execution and post-cap growth validate the setup, but follow-through is capped by unchanged NII math and continued NIM pressure.",
  "day5_confidence": "MEDIUM"
}