@inproceedings{zhou-etal-2026-fincards,
    title = "{F}in{CARDS}: Card-Based Analyst Reranking for Financial Document Question Answering",
    author = "Zhou, Yixi  and
      Zhang, Fan  and
      Chen, YU  and
      Zhang, Haipeng  and
      Nakov, Preslav  and
      Xie, Zhuohan",
    editor = "Liakata, Maria  and
      Moreira, Viviane P.  and
      Zhang, Jiajun  and
      Jurgens, David",
    booktitle = "Findings of the {A}ssociation for {C}omputational {L}inguistics: {ACL} 2026",
    month = jul,
    year = "2026",
    address = "San Diego, California, United States",
    publisher = "Association for Computational Linguistics",
    url = "https://preview.aclanthology.org/ingest-acl/2026.findings-acl.1244/",
    pages = "24836--24852",
    ISBN = "979-8-89176-395-1",
    abstract = "Financial question answering (QA) over long corporate filings requires evidence to satisfy strict constraints on entities, financial metrics, fiscal periods, and numeric values. However, existing LLM-based rerankers primarily optimize semantic relevance, leading to unstable rankings and opaque decisions on long documents. We propose FINCARDS, a structured reranking framework that reframes financial evidence selection as constraint satisfaction under a finance-aware schema. FINCARDS represents filing chunks and questions using aligned schema fields (entities, metrics, periods, and numeric spans), enabling deterministic field-level matching. Evidence is selected via a multi-stage tournament reranking with stability-aware aggregation, producing auditable decision traces. Across two corporate filing QA benchmarks, FINCARDS substantially improves early-rank retrieval over both lexical and LLM-based reranking baselines, while reducing ranking variance, without requiring model fine-tuning or unpredictable inference budgets. Our code is available at https://github.com/XanderZhou2022/FINCARDS."
}