Ten Kaggle-sourced tabular datasets, turned into natural-language customer profiles, that test whether a model flags credit default, fraud or customer-churn risk.
unassessed
| Category | domain |
|---|---|
| Subcategory | financial risk classification |
| Page status | active |
| Metric | F1-score (binary, positive class) |
| Direction | higher_is_better |
| Unit | % |
| Dataset size | 10 |
| Dataset licence | CC BY-NC 4.0 (dataset, per the Hugging Face dataset card); the accompanying code repository is released separately under MIT. |
| Publisher | Department of Computer Science, University of Hong Kong, with DAMO Academy, Alibaba Group |
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.
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.
| Model | Provider | Score | Card as of |
|---|---|---|---|
| Claude Opus 4 | Anthropic | 71.2 | 2026-04 |
| Claude Opus 4.6 | Anthropic | 71.2 | 2026-04 |
| Gemini 2.5 Pro | Google DeepMind | 69.8 | 2026-04 |
| Gemini 2.5 Pro Preview 05-06 | Google DeepMind | 69.8 | 2026-04 |
| Gemini 2.5 Pro Preview 06-05 | Google DeepMind | 69.8 | 2026-04 |
| Gemini 2.5 Pro Preview TTS | Google DeepMind | 69.8 | 2026-04 |
| GPT-4o | OpenAI | 68.5 | 2026-04 |
| GPT-4o (2024-05-13) | OpenAI | 68.5 | 2026-04 |
| GPT-4o (2024-08-06) | OpenAI | 68.5 | 2026-04 |
| GPT-4o (2024-11-20) | OpenAI | 68.5 | 2026-04 |
| GPT-4o mini | OpenAI | 68.5 | 2026-04 |
| Llama 3.1 70B | Meta | 55.2 | 2026-04 |
| Llama 3.1 70B Instruct | Meta | 55.2 | 2026-04 |