{
  "report_rows": [
    {
      "kpi": "Operating EPS",
      "prediction": "BEAT",
      "answer": "pred ~$4.96 vs. cons $4.82",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Domestic card net charge-off rate",
      "prediction": "BEAT",
      "answer": "pred ~4.80% vs. cons 4.90%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total net revenue",
      "prediction": "IN-LINE",
      "answer": "pred ~$15.95B vs. cons $15.80B",
      "confidence": "LOW"
    }
  ],
  "guide_rows": [
    {
      "kpi": "NIM (Q3 2026)",
      "prediction": "UNKNOWN",
      "answer": "qualitative structural persistence; no numerical guide vs. cons 8.20%",
      "confidence": "LOW"
    },
    {
      "kpi": "Marketing (FY 2026)",
      "prediction": "UNKNOWN",
      "answer": "qualitative heavier spending; no numerical guide vs. cons $7.03B",
      "confidence": "LOW"
    },
    {
      "kpi": "Post-integration earnings power (mid-2027)",
      "prediction": "UNKNOWN",
      "answer": "reiteration expected; period consensus UNVERIFIED",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -1.5,
  "day1_confidence": "LOW",
  "day5_residual_pct": -3.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 modest beat without a forward catalyst",
  "day5_confidence": "LOW"
}