Overview of FinMMEval 2026 Task 1: Multilingual Financial Multiple-Choice Question Answering

FinMMEval 2026 Task 2 evaluates short-answer financial question answering over multilingual evidence. Each final-test item pairs an English question with financial statements and news in English, Chinese, Japanese, Spanish, and Greek. Participating systems submit one concise answer per item in JSONL format. The final-test set contains 256 items, split evenly between easy and expert tiers; each tier contains four question templates instantiated over 32 company-report groups. Gold answers were withheld during submission, and systems were ranked by macro-averaged item-level ROUGE-1 F1 against organizer-held reference answers. The final leaderboard includes 12 ranked submissions. The strongest systems are closely clustered, with the top four separated by less than one percentage point in ROUGE-1 F1. The submitted system papers document retrieval-augmented generation, cross-lingual evidence handling, structured prompting, answer compression, and validation strategies.

We present DS@GT's submission to FinMMEval 2026 Task 1, a multilingual financial exam question answering benchmark spanning English, Spanish, Greek, Chinese, and Hindi. Financial certification exams such as the CFA, EFPA, and CPA demand structured domain reasoning that standard NLP benchmarks do not capture, and this challenge compounds across languages where retrieval and representation infrastructure is underdeveloped. We build a retrieval-augmented pipeline on LangGraph that detects query language and retrieves semantically relevant exemplars from a 30,209-entry multilingual knowledge base using BGE-M3 embeddings and FAISS indexing. The system then scores answers via Retrieval-Augmented Direct Scoring (RADS), reading next-token log-probabilities over candidate option letters rather than generating free-form output. For low-resource languages, we fuse per-language and cross-lingual retrieval indices using weighted Reciprocal Rank Fusion. Model selection is language-routed: Qwen3-14B for Arabic, Chinese, and Hindi; Qwen2.5-14B for English; and Llama-3.1-8B for Greek, a routing derived from empirical ablations that reveal substantial language-asymmetric performance gaps. Notably, chain-of-thought prompting significantly degrades Greek accuracy (90.7% to 20.9%), and enabling Qwen3's default thinking mode collapses Arabic RADS performance to near-chance levels. Our results indicate that effective multilingual financial reasoning requires language-aware retrieval, model routing, and deliberate scoring strategy selection.

Financial decision-making in multilingual settings demands accurate numerical reasoning grounded in diverse modalities, yet existing benchmarks largely overlook this high-stakes, real-world challenge, especially for Indic languages. We introduce FinVQA, a benchmark for evaluating financial numerical and multimodal reasoning in multilingual Indic contexts. FinVQA spans English, Hindi, Bengali, Marathi, Gujarati, and Tamil, and comprises 18,900 samples across 14 financial domains. The dataset captures diverse reasoning paradigms under realistic constraints, and is structured across three difficulty levels (easy, moderate, hard) and four question formats: multiple choice, fill-in-the-blank, table matching, and true/false. To address these challenges, we propose FIND, a framework that combines supervised fine-tuning with constraint-aware decoding to promote faithful numerical reasoning, robust multimodal grounding, and structured decision-making. Together, FinVQA and FIND establish a rigorous evaluation and modeling paradigm for high-stakes multilingual multimodal financial reasoning.