{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$2.36 vs. cons $2.30",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Ending loan receivables",
      "prediction": "BEAT",
      "answer": "pred ~$101.7B vs. cons $100.5B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net charge-off rate",
      "prediction": "BEAT",
      "answer": "pred ~5.34% vs. cons 5.47%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 diluted EPS outlook",
      "prediction": "UNCHANGED",
      "answer": "guide ~$9.30 midpoint vs. cons $9.32 (FY26)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Year-end receivables growth outlook",
      "prediction": "BETTER",
      "answer": "guide ~5.5% vs. cons 4.8% (FY26 year-end)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 net charge-off-rate outlook",
      "prediction": "UNCHANGED",
      "answer": "guide ~5.45% vs. cons 5.43% (FY26)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 2.8,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 1.2,
  "day5_path": "FADE",
  "day5_rationale": "Day 1 residual ~2.8% vs. 0.0% baseline; 5-day residual ~1.2% vs. 0.0% baseline. A credit-and-growth beat should initially reward the stock, but unchanged FY26 EPS guidance near the consensus midpoint leaves limited out-period estimate upside; retailer-share, loyalty, and technology costs should constrain revisions after the initial reaction.",
  "day5_confidence": "MEDIUM"
}