Limits of spectral learning under noise

Existing large-dimensional theory for spectral algorithms resolves either the optimally tuned point or the interpolation limit, but leaves the under-regularized regime unexplored. We study the learning curve and benign overfitting of spectral algorithms in the large-dimensional setting where the sample size and dimension are of comparable order, i.e., $n \asymp d^γ$ for some $γ>0$. We first consider inner-product kernels on the sphere $\mathbb{S}^{d-1}$ and establish a sharp asymptotic characterization of the excess risk across the full regularization path under various source conditions $s \geq 0$, where $s$ measures the relative smoothness of the regression function. Our results reveal that the learning curve is not simply U-shaped but instead consists of three distinct regimes: over-regularized, under-regularized, and interpolation regimes. This characterization allows us to fully capture the benign overfitting phenomenon, demonstrating that benign overfitting arises consistently across both the under-regularized and interpolation regimes whenever $s$ is positive but no larger than a critical threshold. We further show that, in the sufficiently regularized regime, the kernel learning curve is recovered by an associated sequence model. Finally, we extend the learning-curve analysis to large-dimensional KRR for a class of kernels on general domains in $\mathbb{R}^d$ whose low-degree eigenspaces satisfy spectral-scaling and hyper-contractivity conditions.

Deep vision models degrade sharply in low-data regimes, particularly in medical imaging where labeled samples are scarce. We show this arises not merely from overfitting but from a geometric failure: finite-sample noise corrupts the embedding covariance, collapsing the eigengap and limiting the number of recoverable signal-bearing modes. We develop a spectral theory of finite-sample representation learning that quantifies the recoverable dimension K(N), the number of eigenmodes that can be stably estimated from N samples. Using perturbation theory and concentration bounds, we show that only modes with eigenvalues above the noise floor $\|\hatΣ - Σ\|_{\mathrm{op}} \sim \sqrt{D/N}$ are reliable, yielding a truncated Mahalanobis energy that governs classification performance. Under a power-law spectral model, this energy can be approximated by a truncated Riemann zeta function, linking eigenvalue decay to data efficiency and AUC. Within this framework, multimodal learning acts as spectral stabilization: vision-language models impose low-rank constraints that suppress noise-dominated directions and preserve the eigengap, increasing K(N) under data scarcity. Across MNIST and multi-disease neuroimaging, we show that multimodal training maintains more stable modes and improves class separation, even when unimodal models achieve comparable few-shot accuracy. These results identify spectral collapse as a fundamental bottleneck in low-data learning. We use truncated Mahalanobis energy and K(N) to diagnose encoder quality, and introduce zeta-based spectral filtering as a principled approach to improve data efficiency.

In this paper, we consider the scalar-on-function linear regression model under a realistic sampling scheme in which the functional covariates are observed on a regular grid and contaminated by additive noise. We propose a two-step estimation procedure: first, the underlying curves are reconstructed from the discrete noisy observations using a Fourier-based projection method; second, the slope function is estimated by a penalized least-squares criterion over finite-dimensional trigonometric spaces, with data-driven selection of the model dimension. We establish oracle-type inequalities for the prediction error, both with respect to the reconstructed curves and to the true latent curves. Under regularity assumptions on the slope function and polynomial decay of the eigenvalues of the covariate, we derive convergence rates for the prediction error and show that our estimator attains the minimax rate when the number of grid points is sufficiently large. Finally, the proposed method is illustrated on simulated data and on a real meteorological dataset.