FinBench

Ten Kaggle-sourced tabular datasets, turned into natural-language customer profiles, that test whether a model flags credit default, fraud or customer-churn risk.

Also known as: FinBench (FinPT)

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Categorydomain
Subcategoryfinancial risk classification
Page statusactive
MetricF1-score (binary, positive class)
Directionhigher_is_better
Unit%
Dataset size10
Dataset licenceCC BY-NC 4.0 (dataset, per the Hugging Face dataset card); the accompanying code repository is released separately under MIT.
PublisherDepartment of Computer Science, University of Hong Kong, with DAMO Academy, Alibaba Group

What it measures

FinBench tests whether a model can predict financial risk — credit-card default, loan default, credit-card fraud, or customer churn — from a customer's record. The record starts as a row of tabular data (age, income, credit score, loan type, and so on); FinPT, the method the benchmark was built to evaluate, first has a language model turn that row into a natural-language "customer profile," then fine-tunes a foundation model on the profile text to predict a binary label (risky or not). It is a single-turn, text-only, English-language classification task over ten separate datasets, each drawn from a different Kaggle source and grouped into three risk categories.

Task format

Binary classification: given a natural-language customer profile (or the underlying tabular row), predict whether the customer is financially risky (1) or not (0), separately for each of ten datasets across default, fraud and churn.

Models reporting this benchmark

These figures come from the model cards, which carry one collection date per card and no per-score attribution. They are shown as reported, not as verified evidence.
ModelProviderScoreCard as of
Claude Opus 4Anthropic71.22026-04
Claude Opus 4.6Anthropic71.22026-04
Gemini 2.5 ProGoogle DeepMind69.82026-04
Gemini 2.5 Pro Preview 05-06Google DeepMind69.82026-04
Gemini 2.5 Pro Preview 06-05Google DeepMind69.82026-04
Gemini 2.5 Pro Preview TTSGoogle DeepMind69.82026-04
GPT-4oOpenAI68.52026-04
GPT-4o (2024-05-13)OpenAI68.52026-04
GPT-4o (2024-08-06)OpenAI68.52026-04
GPT-4o (2024-11-20)OpenAI68.52026-04
GPT-4o miniOpenAI68.52026-04
Llama 3.1 70BMeta55.22026-04
Llama 3.1 70B InstructMeta55.22026-04

Data

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