{
  "report_rows": [
    {
      "kpi": "Revenue (Q3 FY26)",
      "prediction": "BEAT",
      "answer": "pred ~$688M vs. cons ~$679M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Non-GAAP EPS (Q3 FY26)",
      "prediction": "BEAT",
      "answer": "pred ~$12.45 vs. cons ~$12.03",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Scores segment revenue (Q3 FY26)",
      "prediction": "BEAT",
      "answer": "pred ~$495M vs. cons ~$478M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 revenue guidance",
      "prediction": "BETTER",
      "answer": "guide ~$2.50B vs. cons ~$2.47B (FY26)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 non-GAAP EPS guidance",
      "prediction": "BETTER",
      "answer": "guide ~$41.5 vs. cons ~$40.9 (FY26)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "VantageScore paid mortgage share commentary",
      "prediction": "UNCHANGED",
      "answer": "mgmt ~2% vs. bear-case ~10% share",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "DLP go-live / FHFA reseller approval timing",
      "prediction": "UNKNOWN",
      "answer": "pred 3 of 5 resellers signed vs. 0 firm go-live dates",
      "confidence": "LOW"
    },
    {
      "kpi": "Q3 buyback executed",
      "prediction": "BETTER",
      "answer": "pred ~$450M vs. Q2 record $605M",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 2.5,
  "day1_confidence": "LOW",
  "day5_residual_pct": 0.5,
  "day5_path": "FADE",
  "day5_rationale": "Beat-and-raise is the base case and lifts FY26 EPS revisions modestly, supporting an initial pop, but FICO ran ~+11% idiosyncratically in the week into the print (7/23 $1,206 to 7/28 $1,336), so much of the good news is priced. With the July-1 10T data now public and the VantageScore/DLP overhang unresolved, out-period math (only incremental raise vs. a stretched entry) argues for the initial move fading back toward the pre-run range rather than compounding; heavy sell-the-news risk if guidance is merely reiterated.",
  "day5_confidence": "LOW"
}