{
  "report_rows": [
    {
      "kpi": "Operating EPS",
      "prediction": "BEAT",
      "answer": "pred $4.47 vs. cons $4.41",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Billed business",
      "prediction": "IN-LINE",
      "answer": "pred $459.0B vs. cons $455.7B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net card fees",
      "prediction": "BEAT",
      "answer": "pred $2.94B vs. cons $2.90B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 operating EPS",
      "prediction": "UNCHANGED",
      "answer": "guide $17.30-$17.90, midpoint $17.60 vs. cons $17.59",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 revenue growth",
      "prediction": "UNKNOWN",
      "answer": "guide 9%-10%; directly comparable consensus UNVERIFIED",
      "confidence": "LOW"
    },
    {
      "kpi": "FY2026 card-fee exit rate / credit",
      "prediction": "UNKNOWN",
      "answer": "reaffirm high-teens fee exit-rate and generally stable credit; no reliable consensus",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -3.0,
  "day1_confidence": "LOW",
  "day5_residual_pct": -3.5,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 maintained FY guidance leaves forward estimates vulnerable",
  "day5_confidence": "LOW"
}