{
  "report_rows": [
    {
      "kpi": "Total revenue",
      "prediction": "BEAT",
      "answer": "pred ~$1.34B vs. cons $1.29B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.48 vs. cons $0.43",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net deposits",
      "prediction": "BEAT",
      "answer": "pred ~$20.0B vs. cons $18.0B",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Adjusted operating expenses plus SBC",
      "prediction": "UNCHANGED",
      "answer": "guide ~$2.70B-$2.825B vs. cons $2.70B-$2.825B (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "3Q26 revenue trajectory / July activity commentary",
      "prediction": "BETTER",
      "answer": "guide ~$1.38B implied vs. cons $1.34B (3Q26)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 8.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 11.0,
  "day5_path": "FOLLOW-THROUGH",
  "day5_rationale": "pred ~$1.34B vs. cons $1.29B supports upward revenue revisions, while a ~$2.70B-$2.825B FY2026 expense guide vs. cons $2.70B-$2.825B preserves out-period margin math; prediction-market and deposit strength should shift estimates higher rather than leave the beat as a one-quarter trading-volume event.",
  "day5_confidence": "MEDIUM"
}