{
  "report_rows": [
    {
      "kpi": "Operating EPS",
      "prediction": "BEAT",
      "answer": "pred ~$2.15 vs. cons $2.127",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Ending loan receivables",
      "prediction": "IN-LINE",
      "answer": "pred ~$102.30B vs. cons $102.10B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net charge-off rate",
      "prediction": "BEAT",
      "answer": "pred ~5.40% vs. cons 5.47%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 operating EPS",
      "prediction": "UNCHANGED",
      "answer": "guide ~$9.10-$9.50 vs. cons $9.291",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 NCO rate",
      "prediction": "UNKNOWN",
      "answer": "guide <5.5% vs. cons 5.39%",
      "confidence": "LOW"
    },
    {
      "kpi": "FY26 ending loan receivables",
      "prediction": "UNKNOWN",
      "answer": "guide mid-single-digit growth vs. cons $108.70B",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -1.0,
  "day1_confidence": "LOW",
  "day5_residual_pct": -3.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "FOLLOW-THROUGH \u2014 implicit 2H cut",
  "day5_confidence": "LOW"
}