What Factors Affect LLMs and RLLMs in Financial Question Answering?
Pith reviewed 2026-05-19 05:03 UTC · model grok-4.3
The pith
Prompting methods and agent frameworks boost LLMs on financial questions by simulating long reasoning, while RLLMs show little additional benefit.
A machine-rendered reading of the paper's core claim, the machinery that carries it, and where it could break.
Core claim
Current prompting methods and agent frameworks enhance the performance of LLMs in financial question answering by simulating Long CoT. RLLMs possess inherent Long CoT capabilities, which limits the effectiveness of conventional methods in further enhancing their performance. Current advanced multilingual alignment methods primarily improve the multilingual performance of LLMs by extending the reasoning length, which yields minimal benefits for RLLMs. The authors discuss strategies for enhancing the performance of LLMs and RLLMs in financial question answering.
What carries the argument
Long Chain-of-Thought (Long CoT), the extended step-by-step reasoning process that RLLMs have built-in and that other methods try to simulate or lengthen in LLMs for better financial query handling.
If this is right
- Prompting and agent methods improve accuracy for standard LLMs on financial tasks.
- RLLMs require different enhancement strategies since added prompting yields limited returns.
- Multilingual alignment extends reasoning to help LLMs with non-English financial questions but not RLLMs.
- Future work can build on the discussed strategies to tailor improvements to each model category.
Where Pith is reading between the lines
- Developers might prioritize creating domain-specific long-reasoning datasets for RLLMs instead of general prompting.
- The findings point to a need for new evaluation metrics that account for inherent reasoning length in model comparisons.
- Similar experiments in other high-stakes domains like law or medicine could reveal if the LLM-RLLM difference is domain-specific.
Load-bearing premise
That the particular models, methods, and financial tasks tested are representative of the wider financial question answering landscape.
What would settle it
Conducting equivalent tests using additional financial QA datasets or a wider variety of LLMs and RLLMs to determine if the performance patterns for prompting, agents, and multilingual methods remain consistent.
Figures
read the original abstract
Recently, large language models (LLMs) and reasoning large language models (RLLMs) have gained considerable attention from many researchers. RLLMs enhance the reasoning capabilities of LLMs through Long Chain-of-Thought (Long CoT) processes, significantly improving the performance of LLMs in addressing complex problems. However, there are few works that systematically explore what methods can fully unlock the performance of LLMs and RLLMs within the financial domain. To investigate the impact of various methods on LLMs and RLLMs, we utilize five LLMs and four RLLMs to assess the effects of prompting methods, agentic frameworks, and multilingual alignment methods on financial question-answering tasks. Our research findings indicate: (1) Current prompting methods and agent frameworks enhance the performance of LLMs in financial question answering by simulating Long CoT; (2) RLLMs possess inherent Long CoT capabilities, which limits the effectiveness of conventional methods in further enhancing their performance; (3) Current advanced multilingual alignment methods primarily improve the multilingual performance of LLMs by extending the reasoning length, which yields minimal benefits for RLLMs. Additionally, we discuss strategies for enhancing the performance of LLMs and RLLMs in financial question answering, which may serve as a inspiration for future improvements. We hope that this study can serve as an important reference for LLMs and RLLMs in the field of financial question answering.
Editorial analysis
A structured set of objections, weighed in public.
Referee Report
Summary. The manuscript empirically evaluates the effects of prompting methods, agentic frameworks, and multilingual alignment techniques on financial question-answering performance using five LLMs and four RLLMs. It reports that these interventions improve LLMs by simulating or extending Long CoT reasoning while RLLMs already possess inherent Long CoT capabilities that limit further gains from conventional methods.
Significance. If the reported accuracy improvements are shown to be robust and the mechanistic attributions to Long CoT simulation are backed by direct measurements, the work could offer practical guidance for deploying LLMs and RLLMs in finance. The study is timely given growing interest in domain-specific reasoning, but its current form provides limited new insight beyond standard prompting benchmarks.
major comments (2)
- [Abstract] Abstract and Results: The central claims that prompting/agent methods improve LLMs 'by simulating Long CoT' and that multilingual alignment improves performance 'by extending the reasoning length' rest solely on accuracy/F1 deltas. No tables or sections report output token counts, reasoning-step statistics, trace lengths, or complexity metrics comparing baseline vs. enhanced conditions, leaving alternative explanations (e.g., better terminology retrieval or reduced hallucination) unaddressed.
- [Experimental Setup] Experimental Setup: The manuscript provides no information on financial QA dataset sizes, sources, train/test splits, statistical significance tests (e.g., paired t-tests or bootstrap), baseline selection criteria, or controls for confounders such as prompt length, model scale, or data contamination. These omissions make it impossible to verify the general conclusions about factors affecting performance.
minor comments (1)
- [Abstract] Abstract: 'serve as a inspiration' should read 'serve as an inspiration'.
Simulated Author's Rebuttal
Thank you for the constructive feedback on our manuscript. We address each major comment below and have made revisions to improve the rigor of our claims and experimental reporting.
read point-by-point responses
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Referee: [Abstract] Abstract and Results: The central claims that prompting/agent methods improve LLMs 'by simulating Long CoT' and that multilingual alignment improves performance 'by extending the reasoning length' rest solely on accuracy/F1 deltas. No tables or sections report output token counts, reasoning-step statistics, trace lengths, or complexity metrics comparing baseline vs. enhanced conditions, leaving alternative explanations (e.g., better terminology retrieval or reduced hallucination) unaddressed.
Authors: We agree that direct measurements of reasoning length would provide stronger support for attributing gains to Long CoT simulation. In the revised manuscript we have added a new analysis subsection with output token counts and estimated reasoning-step statistics across conditions. These show consistent increases in reasoning length for LLMs under prompting and agent methods, and for multilingual alignment, which helps differentiate our interpretation from alternatives such as terminology retrieval. revision: yes
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Referee: [Experimental Setup] Experimental Setup: The manuscript provides no information on financial QA dataset sizes, sources, train/test splits, statistical significance tests (e.g., paired t-tests or bootstrap), baseline selection criteria, or controls for confounders such as prompt length, model scale, or data contamination. These omissions make it impossible to verify the general conclusions about factors affecting performance.
Authors: We acknowledge these omissions limit verifiability. The revised Experimental Setup section now includes dataset sources and sizes, explicit train/test splits, results of paired t-tests for significance, baseline selection rationale, and discussion of controls for prompt length, model scale, and potential data contamination. revision: yes
Circularity Check
Empirical benchmarking study with no derivations, fitted predictions, or self-referential reductions
full rationale
The paper reports performance differences across LLMs and RLLMs on financial QA tasks under prompting, agent frameworks, and multilingual alignment. All central claims are framed as direct observations from accuracy/F1 metrics rather than quantities derived from equations or parameters that reduce to the inputs by construction. No mathematical derivations, self-definitional loops, fitted-input predictions, or load-bearing self-citation chains appear in the reported results. The study is self-contained as an observational comparison and does not exhibit any of the enumerated circularity patterns.
Axiom & Free-Parameter Ledger
Lean theorems connected to this paper
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IndisputableMonolith/Cost/FunctionalEquation.leanwashburn_uniqueness_aczel unclear?
unclearRelation between the paper passage and the cited Recognition theorem.
Current prompting methods and agent frameworks enhance the performance of LLMs in financial question answering by simulating Long CoT
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IndisputableMonolith/Foundation/ArithmeticFromLogic.leanembed_strictMono_of_one_lt unclear?
unclearRelation between the paper passage and the cited Recognition theorem.
Current advanced multilingual alignment methods primarily improve the multilingual performance of LLMs by extending the reasoning length
What do these tags mean?
- matches
- The paper's claim is directly supported by a theorem in the formal canon.
- supports
- The theorem supports part of the paper's argument, but the paper may add assumptions or extra steps.
- extends
- The paper goes beyond the formal theorem; the theorem is a base layer rather than the whole result.
- uses
- The paper appears to rely on the theorem as machinery.
- contradicts
- The paper's claim conflicts with a theorem or certificate in the canon.
- unclear
- Pith found a possible connection, but the passage is too broad, indirect, or ambiguous to say the theorem truly supports the claim.
Reference graph
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