qwen2.5-finance-model

💰 Qwen2.5 Financial Reasoning Model (LoRA Fine-Tuned)

A parameter-efficient fine-tuned version of Qwen2.5-3B-Instruct for step-by-step financial reasoning and numerical problem solving.

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📋 Model Details

Model Description

This model is a fine-tuned version of Qwen2.5-3B-Instruct, trained to perform step-by-step financial reasoning and calculations using Low-Rank Adaptation (LoRA).

It is designed to:

• 🔢 Solve finance-related numerical problems
• 🧠 Provide structured, step-by-step reasoning explanations
• 📚 Support educational use cases around core financial concepts

Model Sources

• Repository: Hugging Face Model Hub
• Base Model: unsloth/qwen2.5-3b-instruct-unsloth-bnb-4bit
• Dataset: dreamerdeo/finqa

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🎯 Uses

✅ Direct Use

This model can be used directly for:

• Financial question answering (e.g., interest calculations, ratio analysis)
• Step-by-step numerical problem solving
• Educational purposes — learning and understanding finance concepts
• Prototyping finance-related NLP applications

🔄 Downstream Use

This model can be plugged into larger pipelines for:

• Finance-focused chatbots or tutoring assistants
• Automated financial report summarization tools
• RAG (Retrieval-Augmented Generation) systems combined with financial knowledge bases

⛔ Out-of-Scope Use

This model is not intended for:

• Real-world financial advice or investment decisions
• High-stakes trading or portfolio management systems
• Legal, regulatory, or compliance use cases
• Any production application without human oversight and validation

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⚠️ Bias, Risks, and Limitations

• Trained on a relatively small dataset (~5,500 samples) — may not generalize to all financial domains
• May produce confident but incorrect answers, especially on complex or unseen problems
• Limited to English language only
• Can hallucinate steps or results in edge cases
• May reflect biases present in the FinQA training dataset
• Not a substitute for professional financial advice

Recommendations

• Use for learning and experimentation only
• Always verify numerical outputs independently before acting on them
• Combine with external validation or rule-based checks in real applications
• Users should be made aware of the model's limitations before deployment

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🚀 How to Get Started with the Model

from transformers import AutoTokenizer, AutoModelForCausalLM

model_name = "Parth7007/qwen2.5-finance-model"  

tokenizer = AutoTokenizer.from_pretrained(model_name)
model = AutoModelForCausalLM.from_pretrained(model_name)

prompt = "If you invest ₹10,000 at 10% annual interest for 2 years, what is the final amount?"

inputs = tokenizer(prompt, return_tensors="pt")
outputs = model.generate(**inputs, max_new_tokens=200)

print(tokenizer.decode(outputs[0], skip_special_tokens=True))

💡 Example

Input:

If you invest ₹10,000 at 10% annual interest for 2 years, what is the final amount?

Output:

Step 1: Use the compound interest formula: A = P(1 + r)^t
Step 2: A = 10,000 × (1 + 0.10)^2
Step 3: A = 10,000 × 1.21

Final Answer: ₹12,100

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🏋️ Training Details

Training Data

• Dataset: dreamerdeo/finqa
• Description: FinQA is a financial reasoning dataset containing numerical and conceptual questions derived from earnings reports and financial documents. It requires multi-step reasoning over structured and unstructured financial data.
• Size: ~5,500 training samples
• Preprocessing: Prompts were formatted as instruction-response pairs for supervised fine-tuning (SFT).

Training Procedure

Training Hyperparameters

Speeds, Sizes, Times

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📊 Evaluation

Testing Data

Evaluation was performed on held-out examples from the dreamerdeo/finqa dataset.

Factors

• Standard financial calculations (interest, percentages, ratios)
• Multi-step numerical reasoning
• Structured explanation quality

Metrics

⚠️ No formal benchmark evaluation has been conducted yet.
Qualitative observations were used to assess model performance.

Results

Qualitative Observations

• ✅ Produces correct results for standard financial calculations
• ✅ Demonstrates clear step-by-step reasoning capability
• ✅ Outperforms the base model on structured finance questions
• ⚠️ May struggle with highly complex or domain-specific edge cases

Summary

The model shows meaningful improvement over the base Qwen2.5-3B-Instruct on financial reasoning tasks, particularly for multi-step numerical problems. Formal benchmarking (e.g., on FinQA test split) is planned for future iterations.

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🏗️ Technical Specifications

Model Architecture and Objective

• Architecture: Decoder-only Transformer (Qwen2.5 series)
• Objective: Causal language modeling with SFT on financial instruction-response pairs
• Adaptation: LoRA adapters injected into attention layers for parameter-efficient fine-tuning

Compute Infrastructure

Hardware

• Google Colab T4 GPU (15GB VRAM)

Software

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🌍 Environmental Impact

Carbon emissions can be estimated using the Machine Learning Impact calculator presented in Lacoste et al. (2019).

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📜 Citation

If you use this model or find it helpful, please consider citing the original FinQA dataset:

BibTeX:

@inproceedings{chen2021finqa,
  title     = {FinQA: A Dataset of Numerical Reasoning over Financial Data},
  author    = {Chen, Zhiyu and Chen, Wenhu and Sha, Charese and Wang, Jianshu and Wang, William Yang},
  booktitle = {Proceedings of EMNLP 2021},
  year      = {2021}
}

APA: Chen, Z., Chen, W., Sha, C., Wang, J., & Wang, W. Y. (2021). FinQA: A Dataset of Numerical Reasoning over Financial Data. EMNLP 2021.

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📖 Glossary

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👤 Model Card Authors

Parth Kadoo

📬 Model Card Contact

For questions, feedback, or collaboration, feel free to reach out via Hugging Face.

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Framework Versions

• peft == 0.18.1