{
  "report_rows": [
    {
      "kpi": "2Q26 diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$2.18 vs. cons $2.09",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "2Q26 period-end loan receivables",
      "prediction": "IN-LINE",
      "answer": "pred ~$102.6B vs. cons $102.11B",
      "confidence": "HIGH"
    },
    {
      "kpi": "2Q26 net charge-off rate",
      "prediction": "BEAT",
      "answer": "pred ~5.50% vs. cons 5.60%",
      "confidence": "HIGH"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 diluted EPS",
      "prediction": "UNCHANGED",
      "answer": "guide ~$9.30 midpoint vs. cons $9.35 (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Year-end loan receivables growth",
      "prediction": "BETTER",
      "answer": "guide ~5.0% vs. cons 4.5% (FY2026 year-end)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net charge-off rate",
      "prediction": "BETTER",
      "answer": "guide ~5.30% vs. cons 5.35% (FY2026)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 2.4,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.8,
  "day5_path": "FADE",
  "day5_rationale": "The predicted Q2 EPS beat of ~$2.18 vs. $2.09 consensus should drive the initial gain, but an unchanged FY2026 midpoint of ~$9.30 vs. $9.35 consensus leaves only ~$4.85 for 2H26 versus ~$4.99 implied by pre-report estimates, prompting out-period estimate cuts and a partial fade.",
  "day5_confidence": "MEDIUM"
}