{
  "report_rows": [
    {
      "kpi": "Q2 2026 total net revenue",
      "prediction": "BEAT",
      "answer": "pred ~$1.33B vs. cons $1.29B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Q2 2026 diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.49 vs. cons $0.43",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Q2 2026 net deposits",
      "prediction": "BEAT",
      "answer": "pred ~$18.5B vs. cons $17.0B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Adjusted operating expenses plus SBC",
      "prediction": "UNCHANGED",
      "answer": "guide ~$2.76B vs. cons $2.76B (FY2026 midpoint)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net deposit annualized growth commentary",
      "prediction": "BETTER",
      "answer": "guide ~21% vs. cons 20% (Q3 2026 run-rate)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 6.5,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 4.0,
  "day5_path": "FADE",
  "day5_rationale": "The revenue, EPS and deposit beats should drive initial upside, but unchanged FY2026 expense guidance and limited visibility into sustainable prediction-market monetization likely constrain out-period estimate revisions, causing part of the day-1 gain to fade.",
  "day5_confidence": "MEDIUM"
}