{
  "report_rows": [
    {
      "kpi": "Net Charge-Off Rate (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~5.35% vs. cons 5.47%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Total Loan Receivables (Q2 2026)",
      "prediction": "IN-LINE",
      "answer": "pred ~$101.7B vs. cons $102.1B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Diluted EPS Operating (Q2 2026)",
      "prediction": "BEAT",
      "answer": "pred ~$2.20 vs. cons $2.13",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 EPS Operating (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "guide $9.10-$9.50 maintained vs. cons $9.29",
      "confidence": "HIGH"
    },
    {
      "kpi": "FY2026 NCO Rate (FY2026)",
      "prediction": "BETTER",
      "answer": "guide tightened to well below 5.5% vs. cons 5.39%",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY2026 Loan Receivables Growth (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "mid-single-digit by year-end maintained vs. cons $108.7B",
      "confidence": "HIGH"
    }
  ],
  "day1_residual_pct": -1.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -3.0,
  "day5_path": "STABILIZE",
  "day5_rationale": "STABILIZE \u2014 H2 implicit cut pulls estimates down even on a beat; sell-side trims Q3/Q4 as implied out-period math is below consensus",
  "day5_confidence": "MEDIUM"
}