AI models ranked for financial applications. Scored with bonuses for reasoning (complex analysis), JSON mode (structured data), function calling (API integration), large context (financial reports), and web search (market data).
| # | Model | Score |
|---|---|---|
| 1 | GPT-5.4 ProOpenAI | 91 |
| 2 | GPT-5.2 ProOpenAI | 90 |
| 3 | GPT-5 ProOpenAI | 90 |
| 4 | o3 ProOpenAI | 82 |
| 5 | Claude Opus 4.1Anthropic | 81 |
| 6 | o3 Deep ResearchOpenAI | 74 |
| 7 | Claude Opus 4.6Anthropic | 71 |
| 8 | Claude Opus 4Anthropic | 76 |
| 9 | Claude Opus 4.5Anthropic | 70 |
| 10 | GPT-5.4OpenAI | 70 |
| 11 | o1-proOpenAI | 77 |
| 12 | Claude Sonnet 4.5Anthropic | 69 |
| 13 | Qwen3 VL 30B A3B ThinkingAlibaba | 69 |
| 14 | Qwen3 VL 235B A22B ThinkingAlibaba | 69 |
| 15 | GPT-5.2OpenAI | 68 |
| 16 | Claude Sonnet 4.6Anthropic | 68 |
| 17 | GPT-5.1OpenAI | 67 |
| 18 | GPT-5.3-CodexOpenAI | 67 |
| 19 | GPT-5.2-CodexOpenAI | 67 |
| 20 | GPT-5OpenAI | 67 |
| 21 | o4 Mini Deep ResearchOpenAI | 66 |
| 22 | GPT-5.1-Codex-MaxOpenAI | 66 |
| 23 | Gemini 3.1 Pro Preview Custom ToolsGoogle | 68 |
| 24 | Gemini 3.1 Pro PreviewGoogle | 68 |
| 25 | Gemini 3 Pro PreviewGoogle | 68 |
| 26 | GPT-5 MiniOpenAI | 65 |
| 27 | GPT-5 NanoOpenAI | 64 |
| 28 | Grok 4.1 FastxAI | 64 |
| 29 | Grok 4 FastxAI | 64 |
| 30 | Claude Haiku 4.5Anthropic | 63 |
Reasoning models excel at complex financial analysis — breaking down earnings reports, calculating ratios, and identifying trends across multiple data points with chain-of-thought transparency.
Models with web search can access real-time market data, news, and SEC filings. Combined with JSON mode, they can extract structured insights from unstructured financial content.
Large context windows (128K+) enable processing full regulatory documents, compliance reports, and contract portfolios. Self-hosted models ensure sensitive financial data never leaves your infrastructure.
Function calling enables AI to pull data from financial APIs, databases, and spreadsheets, then generate formatted reports with structured JSON output for downstream processing.