{
  "report_rows": [
    {
      "kpi": "Adjusted Gross Profit",
      "prediction": "BEAT",
      "answer": "pred ~$3.12B vs. cons ~$3.05B (guide $3.04B)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.91 vs. cons $0.86",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted Operating Income",
      "prediction": "BEAT",
      "answer": "pred ~$785M vs. cons ~$745M (guide $740M)",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "FY26 Gross Profit guide",
      "prediction": "BETTER",
      "answer": "guide ~$12.45B vs. cons ~$12.42B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 Adj. Diluted EPS guide",
      "prediction": "BETTER",
      "answer": "guide ~$3.95 vs. cons ~$3.90 (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "FY26 Adj. Operating Income guide",
      "prediction": "BETTER",
      "answer": "guide ~$3.42B vs. cons ~$3.36B (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Q3'26 Gross Profit guide (Borrow deceleration test)",
      "prediction": "UNKNOWN",
      "answer": "guide ~$3.20B vs. cons ~$3.17B (Q3'26)",
      "confidence": "LOW"
    }
  ],
  "day1_residual_pct": 4.0,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 2.0,
  "day5_path": "FADE",
  "day5_rationale": "A beat-and-modest-raise (GP/EPS/AOI above the $3.04B/$0.86/$740M guide, FY nudged up) should spark an initial pop given the AI-velocity narrative and momentum. But the stock already ran ~20% into the print (~$70 in early May to ~$85), so expectations are elevated. The out-period math caps follow-through: management's own framing of Borrow/consumer-lending deceleration in H2 and the reiterated mid-teens GP exit-rate limits how far forward estimates can be revised up even on a beat, so 2H/2027 numbers don't inflect much. That plus programmatic insider selling into strength pulls part of the day-1 gain back, leaving a positive-but-fading 5-day residual.",
  "day5_confidence": "LOW"
}