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Ling 3.0 Flash Fin vs Phi 4

Ling 3.0 Flash Fin leads the LLM Stats Score 43.3 to 5.5. Phi 4 is 1.0x cheaper per token.

InclusionAI · Microsoft · Updated for 2026

Which is better?

Ling 3.0 Flash Fin leads the overall LLM Stats Score 43.3 to 5.5, ranking #39 overall.

Ling 3.0 Flash Fin also accepts a larger context window (262,144 input tokens), making it the stronger choice for long documents and large codebases.

Based on current LLM Stats indexes, shared benchmarks, pricing, and model metadata for 2026.

Choose Ling 3.0 Flash Fin

  • overall performance matters — it scores 43.3 and ranks #39 on LLM Stats
  • your work emphasizes reasoning — it leads those capability indexes
  • you process long inputs — it offers a 262,144 token context window
  • you want the most recent training data — it shipped Sep 2026

Choose Phi 4

  • you need open weights you can self-host or fine-tune

At a glance

The differences that matter most.

Ling 3.0 Flash Fin
InclusionAI
Phi 4
Microsoft
Core performance indexes
LLM Stats Score
43.3
#39
5.5
#294
Reasoning
44.7
#32
6.6
#285
Cost, coverage & limits
Benchmark wins
—
—
Input price
$0.06 / M
$0.07 / M
Output price
$0.18 / M
$0.14 / M
Context window
262,144
16,384

Capability indexes

Additional strengths measured across groups of related public benchmarks

1 shared
Index
Ling 3.0 Flash Fin
Phi 4
Finance
36.7#5
12.9#137
Conservative TrueSkill rating · higher is betterHow scores work

Individual benchmarks

6 reported for Ling 3.0 Flash Fin · 13 for Phi 4

No common benchmarks found

Ling 3.0 Flash Fin and Phi 4don't have any common benchmark datasets to compare. They may have been evaluated on different testing suites.

Human preference

Blind head-to-head votes and playground preference scores

Pricing Analysis

Price comparison per million tokens

Phi 4 costs less

For input processing, Ling 3.0 Flash Fin ($0.06/1M tokens) is 1.2x cheaper than Phi 4 ($0.07/1M tokens).

For output processing, Ling 3.0 Flash Fin ($0.18/1M tokens) is 1.3x more expensive than Phi 4 ($0.14/1M tokens).

In conclusion, Ling 3.0 Flash Fin is more expensive than Phi 4.*

* Using a 3:1 ratio of input to output tokens

Lowest available price from all providers
Wed Sep 09 2026 • llm-stats.com
InclusionAI
Ling 3.0 Flash Fin
Input tokens$0.06
Output tokens$0.18
Best providerDeepinfra
Microsoft
Phi 4
Input tokens$0.07
Output tokens$0.14
Best providerDeepinfra
Notice missing or incorrect data?Start an Issue→

Model Size

Parameter count comparison

109.3B diff

Ling 3.0 Flash Fin has 109.3B more parameters than Phi 4, making it 743.5% larger.

InclusionAI
Ling 3.0 Flash Fin
124.0Bparameters
Microsoft
Phi 4
14.7Bparameters
124.0B
Ling 3.0 Flash Fin
14.7B
Phi 4

Context Window

Maximum input and output token capacity

Ling 3.0 Flash Fin accepts 262,144 input tokens compared to Phi 4's 16,384 tokens. Ling 3.0 Flash Fin can generate longer responses up to 262,144 tokens, while Phi 4 is limited to 16,384 tokens.

InclusionAI
Ling 3.0 Flash Fin
Input262,144 tokens
Output262,144 tokens
Microsoft
Phi 4
Input16,384 tokens
Output16,384 tokens
Wed Sep 09 2026 • llm-stats.com

Release Timeline

When each model was launched

Ling 3.0 Flash Fin was released on 2026-09-03, while Phi 4 was released on 2024-12-12.

Ling 3.0 Flash Fin is 21 months newer than Phi 4.

Ling 3.0 Flash Fin

Sep 3, 2026

5 days ago

1.7yr newer
Phi 4

Dec 12, 2024

1.7 years ago

Knowledge Cutoff

When training data ends

Phi 4 has a documented knowledge cutoff of 2024-06-01, while Ling 3.0 Flash Fin's cutoff date is not specified.

We can confirm Phi 4's training data extends to 2024-06-01, but cannot make a direct comparison without Ling 3.0 Flash Fin's cutoff date.

Ling 3.0 Flash Fin

—

Phi 4

Jun 2024

Provider Availability

Ling 3.0 Flash Fin is available from DeepInfra. Phi 4 is available from DeepInfra.

Ling 3.0 Flash Fin

deepinfra logo
Deepinfra
Input Price:Input: $0.06/1MOutput Price:Output: $0.18/1M

Phi 4

deepinfra logo
Deepinfra
Input Price:Input: $0.07/1MOutput Price:Output: $0.14/1M
* Prices shown are per million tokens

Outputs Comparison

Notice missing or incorrect data?Start an Issue discussion→

Judge for yourself.

Run your own prompts against Ling 3.0 Flash Fin and Phi 4 side-by-side, then vote on the output you prefer.

Ling 3.0 Flash Fin
✓ Preferred
Phi 4
Open in Playground

FAQ

Common questions about Ling 3.0 Flash Fin vs Phi 4.

Which is better, Ling 3.0 Flash Fin or Phi 4?

Ling 3.0 Flash Fin leads the LLM Stats Score 43.3 to 5.5. Ling 3.0 Flash Fin is made by InclusionAI and Phi 4 is made by Microsoft. The best choice depends on your use case — compare their capability indexes, individual benchmarks, pricing, and limits above.

How does Ling 3.0 Flash Fin compare to Phi 4 in benchmarks?

Ling 3.0 Flash Fin scores SpreadSheetBench-v1: 86.5%, Finance Agent v1.1: 69.2%, Finance Agent v2: 59.8%, Tau3 Banking: 41.0%, APEX-Agents: 29.2%. Phi 4 scores MMLU: 84.8%, HumanEval+: 82.8%, HumanEval: 82.6%, MGSM: 80.6%, MATH: 80.4%.

Is Ling 3.0 Flash Fin cheaper than Phi 4?

Ling 3.0 Flash Fin is 1.2x cheaper for input tokens. Ling 3.0 Flash Fin costs $0.06/M input and $0.18/M output via deepinfra. Phi 4 costs $0.07/M input and $0.14/M output via deepinfra.

What are the context window sizes for Ling 3.0 Flash Fin and Phi 4?

Ling 3.0 Flash Fin supports 262K tokens and Phi 4 supports 16K tokens. A larger context window lets you process longer documents, conversations, or codebases in a single request.

What are the main differences between Ling 3.0 Flash Fin and Phi 4?

Key differences include LLM Stats Score (43.3 vs 5.5), context window (262K vs 16K), input pricing ($0.06 vs $0.07/M), licensing (Unknown vs MIT). See the full comparison above for benchmark-by-benchmark results.

Who makes Ling 3.0 Flash Fin and Phi 4?

Ling 3.0 Flash Fin is developed by InclusionAI and Phi 4 is developed by Microsoft.

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