{
  "report_rows": [
    {
      "kpi": "Total Revenue",
      "prediction": "BEAT",
      "answer": "pred ~$1,330M vs. cons $1,285M",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net Deposits",
      "prediction": "BEAT",
      "answer": "pred ~$19.5B vs. cons $18.7B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adj. Operating EBITDA",
      "prediction": "MISS",
      "answer": "pred ~$590M vs. cons $623M",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY2026 Adj. OpEx + SBC (FY2026)",
      "prediction": "UNCHANGED",
      "answer": "guide ~$2.70-2.80B vs. prior $2.70-2.825B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Q3 Volume/Deposit Tone (Q3 2026)",
      "prediction": "UNCHANGED",
      "answer": "constructive but acknowledging seasonal moderation vs. cons implying flat-to-up",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": -4.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": -7.0,
  "day5_path": "FADE",
  "day5_rationale": "FADE \u2014 EBITDA miss drives sell-side H2 margin cuts; revenue beat acknowledged but insufficient to offset",
  "day5_confidence": "MEDIUM"
}