Explaining is Harder Than Predicting Alone: Evaluating Concept-based Explanations of MLLMs as ICL Visual Classifiers

General-purpose multimodal large language models (MLLMs) are increasingly applied to infrared images, where they are commonly scored by answer accuracy alone. However, a correct answer does not ensure that the model's explanation is grounded in infrared thermal evidence. We introduce an explanation-aware evaluation framework that separates answer correctness, output-level explanation groundedness, and thermal grounding for infrared visual questions. Using a Dual-LLM Consensus Judge with a preliminary human-anchor calibration check, we find that correct answers can still rely on weak or visible-light evidence; withholding the original infrared image and showing only a visible-like rendering erodes thermal grounding with little accuracy change; and this erosion is observed most strongly for more capable models but disappears when infrared remains available. We further propose Thermal-Grounded Feedback (TGF), a training-free feedback loop that diagnoses explanation-side failures and revises the explanation while preserving the selected answer. On local paired-input validation, TGF improves explanation-side grounding without changing answers. These findings suggest that future trustworthy MLLMs for infrared scene understanding should be evaluated and developed to produce thermally grounded explanations rather than merely accurate answers.

Concept-based Explainable AI (C-XAI) seeks human-understandable explanations grounded in semantic concepts, yet validation is limited by the scarcity of fine-grained concept annotations. We evaluate whether mid-scale Multimodal Large Language Models (MLLMs) can perform localized concept naming under strict zero-shot conditions by assigning labels to bounding-box regions at both object and part levels. We propose a reproducible zero-shot evaluation protocol for Concept Naming (CoNa) with (i) closed-set, category-constrained prompting for moderate vocabularies and (ii) Open-CoNa, an embedding-similarity-based strategy for large label spaces. Experiments with four MLLMs (7B-32B) show consistent performance trends across datasets, reaching 62%-88% object-level exact-match accuracy, highlighting the potential of training-free concept annotation from localized regions. We discuss limitations and failure modes and release a reproducible framework to support future low-cost C-XAI research.

Despite strong performance of Multimodal Large Language Models (MLLMs) on multimodal tasks, predicting whether and why an image is persuasive remains challenging. We first show that prompting MLLMs to reason before prediction does not consistently help, and can even reduce persuasiveness prediction performance, suggesting that naively generated rationales are unreliable signals for this task. Yet, no established methodology exists for training MLLMs to reason about visual persuasion or evaluating whether their rationales faithfully support their decisions. To address this gap, we show empirically and theoretically that diverse teacher-generated rationales, when used for supervised fine-tuning, improve visual persuasiveness prediction. We further introduce a three-dimensional faithfulness evaluation framework covering rationale-to-decision consistency, rationale-to-image groundedness, and rationale-to-decision sensitivity. Applying this framework shows that prediction performance alone does not guarantee faithful rationales, while rationale-to-decision sensitivity is most aligned with human rationale preferences. These findings motivate faithfulness-aware training objectives and scalable rationale supervision for visual persuasiveness evaluation. Our code and dataset will be made publicly available.